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BIDENCARE 2021

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*What is Bidencare?

The unofficial nickname for a set of proposed changes to the ACA (Affordable Care Act),  which promises to make healthcare cheaper and more accessible to American citizens.

It may include things such as greater subsidies, lower prescription drug costs, and a Public Option that works similarly to Medicare. While Bidencare hasn't been passed or put in place, you can review your health insurance options today.

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Frequently Asked Questions

What is Medicare Supplemental Insurance (a.k.a. Medigap)?

When an American citizen turns 65 years of age, they have the option to enroll in Medicare (they may also qualify before the age of 65 if they are eligible for disability benefits). Basic Medicare, which includes Parts A and B, cover most of your basic hospital and doctor expenses, respectively. Unfortunately, "most" does not mean "all". The expenses which Medicare does not cover - sometimes referred to as "gaps" in coverage - are what Medicare Supplemental insurance protects you from. It is a private plan designed to cover the medical expenses where Traditional Medicare falls short of the mark.

Who is Eligible for Medicare Supplemental Insurance?

If any of the following scenarios apply to you, then you are already guaranteed "eligible" to purchase Medicare supplemental insurance:

  • You are currently covered under Medicare Parts A & B
  • You are within 6 months of turning 65
  • You are within 6 months of receiving Part B coverage
  • If you are about to lose your group health insurance plan

Please note that you may still be required to answer some medical questions about your overall health and wellness. For further clarification, or if you have any questions, please do not hesitate to contact us at 1-833-979-1465. Give us a call today.

When Can I Sign Up for Medicare Supplemental Insurance?

Based on the convoluted rules of Medicare enrollment, many seniors mistakenly believe that signing up for Medicare Supplement is similarly complicated. The good news is that you can sign up for Medigap insurance at any time. However, there are some "sweet spot" time frames which, if you apply during those opportunities, will make the process much easier:

  1. The Initial Enrollment Period. During your first 6 months of Part B coverage, your acceptance is guaranteed, regardless of your current level of health
  2. The "Guaranteed Issue" Period. If you are on the verge of losing coverage through an employer, you will have a "guaranteed issue" period lasting 63 days where you can purchase any Medicare Supplemental policy with no health questions asked.

If you apply for Medicare supplement at any point outside of these time frames, you will likely have to go through the complicated process of medical underwriting and answering lots of invasive health questions. To learn more, and to get help going through the process, call us today at 1-833-979-1465.

Who Purchases Medicare Supplemental Insurance?

It doesn't matter whether you're struggling to get by, on a fixed income, or enjoying incredible wealth in your golden years - all seniors from all walks of life can benefit from a Medicare supplement insurance policy. Medicare provides standard coverage to every beneficiary, regardless of income. What it does not provide, however, is 100% coverage of your medical costs. Therefore, the more vulnerable you are to the gaps in Medicare coverage, the more you can benefit from the protection of a Medigap policy.

What Is The Difference Between Medicare Supplement Insurance & Medicare Advantage Plans?

A Medicare Supplement Insurance Plan and a Medicare Advantage Plan are two very different types of insurance that many individuals confuse as being the same. It is important to understand what each plan is and is not in order to purchase the best coverage for your needs. Put simply, a Medicare Supplement Insurance plan is a secondary insurance plan sold by private insurance companies. This plan type is designed to fill in the “gaps” left by original Medicare A & B. Again, Medicare does not cover 100% of everything, and so it is important to purchase a Medicare Supplement to fill those gaps. On the other hand, a Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare. Medicare Advantage Plans provide all of your Part A and Part B benefits. If you enroll in a Medicare Advantage Plan, most Medicare services are covered through the plan. Medicare services are not paid for by Original Medicare. Most Medicare Advantage plans offer prescription drug coverage.

When Can I Sign Up For Medicare Supplement Insurance?

Many people are under the misperception that you can only sign up for a Medicare Supplemental Insurance plan at certain times throughout the year–this is not true. In fact, you can actually sign up for a Medicare Supplement Plan at any time throughout the year. However, there are some timeframes to be aware of. 1) There is the “Initial Enrollment Period” which is a one time only opportunity lasting 6 months from when you initially get Medicare Part B. During this 6 months, you can purchase any Medicare Supplement Plan through any company with guaranteed acceptance–regardless of your health. 2) If you are losing insurance coverage through an employer or in a similar situation, you may be eligible for a “Guaranteed Issue” period lasting 63 days, in which you can purchase a Medicare Supplement Insurance–again with no health questions asked. 3) The final way to purchase a Medicare Supplement Policy is simply to answer the health questions and go through medical underwriting.

Who Purchases Medicare Supplement Insurance?

Individuals from all walks of life can find Medicare Supplement Insurance to be a major benefit. Whether you are on a very low income, a low to moderate fixed income (like most seniors), or are wealthy–Medicare Supplement Insurance can be a great choice. One of the main reasons why it doesn’t matter your income as much is because Medicare’s coverage is standard–regardless of your financial status. Whether you are a low income or a multi-millionaire, you still have a strong need to protect yourself from the large gaps leftover by Medicare. If Medicare Part B only covers 80% of your medical expenses, it will always be important to have insurance to cover the remaining 20%.

Where Do I Purchase Medicare Supplemental Insurance?

You, as a consumer, have a variety of options. While some prefer to look up nearby agents in their local Yellow Pages, the truth is that you'll get the best deal by doing your research and shopping around online. With the power of the internet, you can get more and better offers from several major companies who are all competing for your business.

You could contact each and every individual agency by yourself and spend hours filling out the same redundant online forms for quotes, or you can let us do all of the busy work for you. Compare multiple plans, prices, and agencies by filling out our one, simple online quote form today. We can help you get the best possible deal on virtually any available Medicare supplement policy.

Important Fact: How To Save Money!

All 10 Medicare Supplement Plans are standardized by Medicare, meaning coverage and benefits are identical between companies. Price is the only difference. Our best advice is to compare plans online and save!

Can You Explain Bidencare a Little More?

Bidencare does not exist yet. The plan is still coming together. But here are the top four facts you need to know about Bidencare in advance of the eventual reveal.

#1: The plan will create a public option that will look and feel a lot like Medicare. The public option will be available either for free or at a drastically reduced cost for anyone who:

  • Lives in one of the 14 states where the "Medicaid coverage gap" still exists
  • Anyone household living below 138% of the federal poverty level with children in public school, receiving SNAP benefits, or the like

Anyone who wants to buy into the public option and lives at 138% of the federal poverty level or above may choose to do so. It is unclear yet whether the cost of the public option will be on a sliding scale with income, or whether it will be a flat rate charge to enroll. For anybody who does not want to buy into the public option, they can choose to stick with the healthcare they currently have - whether that's a Marketplace plan, a plan through their employer, or an alternate qualifying health plan of their choice.

At this point, it is uncertain whether the individual mandate will make a comeback and/or non-qualifying health plan providers (i.e. short-term health insurance companies) will be prohibited from doing business - although both of these scenarios are possible.

#2: The plan will take steps to make healthcare less confusing and more accessible in addition to creating a Medicare-like public option. Those steps include:

  • Eliminating the 400% income cap for tax credit eligibility and offering more substantial tax credits
  • Ending "surprise billing"
  • Utilizing antitrust laws to break up oligarchies in the healthcare system, thus creating competition and driving down prices for consumers
  • Working with low-wage healthcare workers (like home care workers) to improve the quality of care they give and help make sure they get paid what they're worth

#3: The cost of prescription drugs will go down. The Biden plan will mitigate the cost of prescription drugs so that Americans don't have to go without potentially life-saving medications. And it plans to do so in the following ways:

  • Allowing Medicare to negotiate better prescription drug prices by eliminating the law which prohibits them from doing so
  • Eliminating "launch prices" (i.e. price-gouging) for drugs that don't have competition
  • Limiting drug prices to inflation for brand, biotech, and excessively overpriced generic drugs
  • Allowing consumers to purchase prescription drugs from other countries
  • Ending the tax break pharmaceutical companies get for advertising
  • Boosting generic drug supplies

#4: Bidencare will address human rights violationsthat have been inherent in the American healthcare system for many years. The plan will take specific aim at:

  • Women's Healthcare - Roe v Wade will be codified into law as a constitutional right, TRAP laws which are designed to make abortion difficult or impossible to get will be repealed where possible, efforts will be made to reduce the ridiculously high US infant/maternity mortality rates (especially among people of color), and federal funding for Planned Parenthood will be restored
  • Mental Health Care - parity laws that allow insurance companies to price gouge or limit access to mental health care will be eliminated, and mental health care will be treated with the same level of importance and urgency as any other form of healthcare
  • The Global Gag Rule - also known as the "Mexico City Policy", the Global Gag Rule will be repealed under the Biden Administration so that international organizations who receive federal funding for health services rendered overseas will not have their funding revoked for helping people learn about or obtain abortion services

Get a medicare insurance quote and see how much you can save.

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