can help navigate your Medicare health insurance options.
Because Medicare was not designed to cover all of your health care costs, it is important that you have protection against rising medical costs.
Finding a health plan that’s right for you can seem overwhelming with so many options out there. With a wide variety of Medicare health plan options Farm Bureau Health Services can help you choose a plan that fits your unique needs and your budget.
We can also help you obtain Part D coverage for your prescription needs.
If you are already on Medicare, you may be able to change plans due to certain events under the Special Enrollment Period. *
Medicare Advantage Plans*
You can get your Medicare benefits through Original Medicare, or a Medicare Advantage Plan (like an HMO or PPO). If you have Original Medicare, the government pays for Medicare benefits when you get them. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare. Medicare pays these companies to cover your Medicare benefits. (source: medicare.gov)
Medicare Supplement (Medigap)*
A Medigap policy (also called Medicare Supplement Insurance) is private health insurance that’s designed to supplement Original Medicare. This means it helps pay some of the health care costs that Original Medicare doesn’t cover, like copayments, coinsurance and deductibles. If you have Original Medicare and a Medigap policy, Medicare will pay its share of the Medicare-approved amounts for covered health care costs. Then your Medigap policy pays its share.
Medicare Part D Prescription Drugs*
Medicare offers prescription drug coverage to everyone with Medicare. To get Medicare prescription drug coverage, you must join a plan run by an insurance company approved by Medicare. In most cases, you can join a Medicare Part D prescription drug plan only at certain times during the year.
*Due to the Affordable Care Act special open enrollment periods may apply. Eligible employers who want to provide coverage for their employees may apply for group coverage anytime during the year.
A special enrollment period is a window which allows an individual to enroll in an individual health insurance plan outside the annual open enrollment period. Special enrollment is “triggered” by certain qualifying events that are defined by law. In most cases, special enrollment periods last 60 days from the date of the qualifying event. Individuals who didn’t enroll at the end of the previous year for health insurance coverage this year during Open Enrollment will need to currently qualify for a Special Enrollment Period to obtain health insurance coverage.
PFB Health Services can help you decide what’s right for you!
Knowledgeable. Helpful. Dedicated.
Insurance Companies We Represent
|Below is a list of some of the Medicare supplemental insurance companies we represent:**
• Highmark Blue Cross of Northeast PA
|**Not all carriers are available in all regions. Please check for availability.|