Can I use my Medicare coverage to utilize telehealth services? If you have original Medicare, Part B will cover telehealth services, and you will have to pay a 20% coinsurance of the Medicare-approved amount for your doctor or other health care provider’s services after you pay the Part B deductible. You will have to pay
Do I have to answer Medical Questions to get a Medigap Plan? When you turn 65 and sign up for Medicare Part B, you have a six-month open enrollment period for Medicare Supplements Plans. This period starts on the first day of the month of your 65th birthday. During open enrollment, you can purchase any
The Annual Enrollment Period (AEP) applies only to Medicare Advantage and Part-D prescription drug plans. It does not apply to Original Medicare or Medicare Supplement plans. It is the one time a year that Medicare Advantage members can enroll, disenroll, or change plans. Beginning on October 1st, each year, insurance companies release information about their
Are dentures covered by Medicare? As important as it is to understand what Medicare covers, it is equally important to understand what it does not. Original Medicare doesn’t cover most dental care, including dentures. Medicare Part A will pay for certain dental services that you get when you’re in a hospital. One of the advantages
Does Medicare pay for all surgeries? Medicare only covers medically necessary surgical procedures. Medicare defines medically necessary services as “health care services or supplies that are needed to diagnose or treat an illness, injury, condition, disease, or its symptoms – and that meet accepted standards of medicine.” Medicare further defines medically necessary services as ones
Is there a limit on how often I can switch Medicare plans?? There is no lifetime limit on how many times you can switch from one Medicare Advantage or Part D prescription drug plan to another. The only thing that will limit the changes you make is the time of year or qualification for a
What’s the difference between Medicare and Medi-cal? Medicare is an insurance program designed to provide healthcare for people aged 65 and over and specific other disabled populations and some people with End-Stage Renal Disease regardless of your income or asset level. Medicare is a Federal program run by the Centers for Medicare and Medicaid Services
Of the 54% of Americans who have a life insurance policy, 40% of them wish they had gotten into the game at a younger age. Are you shopping for life insurance? If you’re one of the people who waited and now feel stuck, there are a lot of options out there. Simplified life insurance companies offer fast, easy,
The federal government is set to spend $722 billion on Medicare in 2021. This program provides much-needed care to some of the most vulnerable people in our society. However, if you’re in a position to benefit from Medicare, you should know that there may be a better option. Medicare Advantage plans are private insurance products that offer
The Corona Virus and the Elderly When it comes to COVID-19, older people are especially vulnerable to severe illness. Research is showing that adults 60 and older, especially those with pre-existing medical conditions, such as heart disease, lung disease, diabetes or cancer are more likely to have severe, even
From the years 2017 to 2018, the number of uninsured people increased by almost half a million. This comes out to 27.9 million non elderly individuals who lack health insurance in this country. Frankly, that number is far too high. One health emergency, such as a broken arm or an unexpected surgery, could send people into
About 15% of the US population is over the age of 65. If you’re in this percentage or joining them soon, you need to understand your options when it comes to Medicare. While most people will have everything they need covered by a typical Medicare plan, others will need additional coverage. Fortunately, there’s an easy
The Corona Virus and You! What Now? EVERY DAY FOR WEEKS You cannot turn on the television or listen to the radio, or engage in a conversation that doesn’t revolve almost exclusively around the novel coronavirus (COVID-19). It is a very unsettling feeling, and quite awe-inspiring
Complimentary Medicare insurance consultations from Just Us Insurance for individuals who are new to Medicare or who are turning 65 years old. Have you recently turned 65? You only have a 7-month window available to sign up for Part B. This is called your “Initial Enrollment Period” (IEP). The timeframe to enroll for Part B
Coronavirus Health Advice – James Robb, MD FCAP 3-5-20 1. If you have a runny nose and sputum, you have a common cold 2. Coronavirus pneumonia is a dry cough with no runny nose. 3. This new virus is not heat-resistant and will be killed by a temperature of just 26/27 degrees. It hates the
Corona -Virus You’ve likely heard about the Coronavirus in the news. We know you may have questions about this, so we wanted to help answer them. First, know that the Centers for Disease Control and Prevention says that the risk in the U.S. is still low. While there’s no vaccine for the coronavirus (COVID-19), there
What is Type 2 Diabetes Type 2 diabetes can affect all people, regardless of age. Early symptoms of type 2 diabetes may be missed, so those affected may not even know they have the condition. An estimated one out of every three people within the early stages of type 2 diabetes are not aware
Though you may have a health insurance policy in place for your employees to ensure that they stay protected against possible illnesses and injuries, employees still delay medical care even when they have health insurance. The reason? High out-of-pocket expenses! Reports suggest that as compared to 1959, the average American is paying six times more
Almost 37 million Americans aged above 50 and one in every four aged above 80 develop some form of vision impairment according to the National Center for Biotechnology Information. Your chances of developing vision problems increase significantly as you age, which is why it’s important to have access
Just Turning 65? Just Moving in the area? Just New to Medicare? Just getting ready to Retire? Just Not Happy with your Current Plan? Just Confused about your Options? Just Paying too much? Just Us Insurance is Based in Sunny San Marcos, California. We are Independent Insurance Brokers and have been helping Southern Californians find
We are Not Affiliated with or endorsed by the government or the federal Medicare program. We do not offer every plan available in your area. Currently we represent 15 Insurance carriers in 30 states with over 1000 + National plans. Please contact Medicare.gov, 1-800-Medicare or your local State Health Insurance Program to get information on all your options.
