Medicare is a federal health insurance program available only to eligible citizens and legal residents of the United States and is run by the Centers for Medicare & Medicaid Services (CMS).
The federal health insurance program known as Medicare covers:
- Those 65 years of age or older
- Young disabled youths
- End-stage renal disease patients (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD)
Medicare Advantage Agent in Huntington, NY
Medicare Advantage Plans also know too many as Part C simply provide another way to receive your Medicare benefits. These plans are offered through private insurance carriers like United Healthcare, Humana, Aetna, Cigna ect. Medicare Advantage Plans all have contracts with CMS the centers for medicare and Medicaid services. Each plan will have to cover everything that original Medicare covers as good or better. Medicare Advantage Plans work very similar to the insurance we have had our whole lives. These plans will usually come as a PPO or HMO style of provider network . Most Medicare Advantage Plans will also provide Part D drug coverage as an added benefit. Besides including drug coverage Medicare Advantage Plans many times offer additional benefits like dental, vision, hearing, fitness memberships as incentive you enroll in their plan. Medicare Advantage Plans many times can be tricky to compare on paper some plans look to be very cost effective but they lack a good provider network and customer service. The Town of Huntington offers 46 different Medicare Advantage plans including traditional Medicare Advanatage Plans, Dual Eligible Plans and Institutionalized Medicare Advantage Plans. Our team are truly experts on the local area and know all the ins and outs of each companies Medicare Advantage offerings so you don’t have to try and figure this out alone.We offer free Medicare consultations to our clients in Huntington NY to help you we have several options. Phone consultation, Zoom Call, Office visit or in home visit.
Understanding Medicare Plans in Huntington, NY
As a leading Medicare Agent in Huntington, NY, and part of The Modern Medicare Agency, Paul Barrett can help you fully understand the difference between Medigap, Medicare Advantage, and Medicare Part D. The best advice and service are guaranteed.
The number of Medicare Beneficiaries in New York reached over 3.7 million at the end of 2021. This is equal to almost 20% of the population of which 12.6% are under the age of 65. New York and its suburbs are on par with the national average.
The town of Huntington offers many Medicare insurance options, Medicare Advantage Plans, Medicare Supplement plans and stand alone Part D drug plans. There are 23 standard Medicare Advantage plans offered and another 23 special needs plans, which could be Dual eligible, chronic health or Institutionalized Medicare advantage Plans. The town also has 10 standardized Medicare supplement Plans that are offered. The two most popular options are plan N & G. These plans give Huntington consumers both peace of mind and flexibility. For those who need drug coverage there are 19 different Medicare drug plans to choose from.
As a local resident of Huntington myself I take special pride in helping my neighbors navigate Medicare and even do in home visits to discuss Medicare options.
Medigap/ Medicare Supplement Agent in Huntington, NY
As the name suggests, Medigap plans (also called Medicare Supplements) are sold by private companies and are designed to cover some of the health care costs that Original Medicare does not cover. There are 10 Standardized Medicare supplement plans offered in the town of Huntington. It is important to know that NY has different guide lines for enrolling in a Medicare Supplemental plan. In NY we are a guaranteed issue state which means you can never be turned down for any medical reasons. Because we are a guaranteed issue state our Medigap plans tend to be much more expensive than other states. Medicare supplement plans in Huntington NY are community rated, which means everyone in certain group of zip codes get the same rate regardless of age or health.
Medicare Part D Huntington, NY
Medicare Part D (Medicare drug coverage) is how we get our pharmacy drugs while on Medicare. Part D plans in Huntington NY are offered throughout the whole state of NY. You can get a Part D Plan two different ways either stand alone or with a Medicare Advantage Plan. Part D plans are offered through private insurance companies that a contract with Medicare. They must follow certain guidelines set by Medicare which includes a standard list of drugs to cover including at least two drugs in each therapeutic class . Part D can be quite complex for individuals with high drug usage. Our agents specialize in Medicare Part D plan comparisons and would be happy to help you with your research.
Benefits of Using a Medicare Agent in Huntington NY
As a leading Medicare Agent in Huntington, NY, you get the benefit of choosing from a wide range of insurance providers. Our Agency works with most of the Medicare Part D Plans available. Humana, Anthem BCBS (Empire BCBS) United Healthcare, Aetna, Silver Script, Emblem Health, Health First, Cigna, Wellcare, Agewell.
Reason Why So Many Medicare Consumers In Huntington NY Choose Paul Barrett For Help
- Expertise and Experience: Medicare can be complex, and navigating the various plans and options can be overwhelming. A Medicare agency like Paul Barrett & The Modern Medicare Agency may have experienced professionals with in-depth knowledge of Medicare policies, coverage options, and changes in the healthcare landscape. They can provide expert guidance and advice, helping you make informed decisions about your Medicare coverage.
- Personalized Recommendations: Every individual’s healthcare needs are different. A dedicated Medicare agency can assess your specific health requirements, prescription medications, and budget to recommend Medicare plans that align with your unique needs. This personalized approach ensures that you get the most suitable coverage for your health and financial situation.
- Access to Multiple Insurance Carriers: Reputable Medicare agencies often work with multiple insurance carriers. This means they can offer a wide range of Medicare plans from various providers, allowing you to compare options and choose the plan that best fits your preferences and budget.
- Simplified Enrollment Process: Medicare enrollment can involve paperwork and deadlines. A Medicare agency can help streamline the enrollment process, assisting you with filling out forms and ensuring that all necessary documents are submitted correctly and on time. This reduces the chances of delays or errors in your coverage.
- Ongoing Support: A reliable Medicare agency may offer ongoing support and assistance, even after you’ve enrolled in a plan. They can help you with any questions or concerns that arise during your Medicare coverage, making sure you stay informed about any changes or updates that may affect your plan.
All of Paul Barrett & The Modern Medicare Agency help is always FREE. It is important to understand that unlike many other insurance types you can purchase Medicare insurance is always the same cost and coverage no matter if you use an independent Agent like Paul or go directly to the carrier. Because Paul and his team are able to to offer several coverage options from multiple carriers they truly are able to save you both time & Money.