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Why I help people with Medicare

Good Sunday morning!

The Dog Days of summer have officially arrived here in East Tennessee.

Many people around here are looking forward to the Great Solar Eclipse on August 21 of which we are in the direct path. Anything that brings down the temperature just a little bit for a few seconds is certainly welcome.

One question I often receive from the many people I have been privileged to help with their Medicare is why I have chosen to make this particular area of interest my life’s work.

I’d like to take just a few minutes this morning and answer this question because it involves a lesson that could be very important to you.

Prior to the passage of the Affordable Care Act in 2010, I had a nice business helping lawyers with their health insurance and other insurance needs. Specifically, I helped attorneys who were just starting a small law practice.

I was helping a lot of people and providing a decent life for my family. Then the Affordabale Care Act – or Obamacare passed – and one aspect of this legislation impacted me more than any other. I could keep helping the people I had been helping except I would no longer be able to support my family doing so because they authors of the bill chose to drastically reduce the compensation for people like me.

So like a lot of people in today’s world I had to change or starve. I had been helping a few of my clients with Medicare once they were eligible. I found I enjoyed sharing with them the much better access they had to health care once they were on Medicare and at usually much lower monthly cost.

And I thought if I worked very hard and helped enough people who were going on Medicare to understand their choices I could make a difference in their lives and provide a nice life for my family as well.

However, as I started to help more and more people with Medicare, I realized how many people had, when they first became eligible for Medicare, been steered into private, for-profit, managed-care HMO plans called Medicare Advantage.

As opposed to regular Medicare, with a Medicare Advantage plan someone actually leaves regular Medicare and signs over their Medicare benefits to a private, for-profit company. This company then makes all the decisions about their health care – including what if any tests and treatments to cover if someone becomes sick.

Because Medicare Advantage plans get a fixed amount of money from the government when they take over someone’s Medicare benefits, they actually make money by saying “no” to many of the tests and treatments people need when they become sick.

I suddenly began hearing horror stories from hundreds of people who had felt they were misled by Medicare Advantage salesmen. These people were paying far more for their health care than they should and often were not able to access the health care they needed when they needed it.

Even worse, they now found themselves unable to return to regular Medicare and be approved for a Medicare Supplement to cover their share of Medicare. The reason for this is someone can usually only enroll in a Medicare Supplement without passing a health screening when they first go on Medicare.

These people with Medicare Advantage plans had passed up their Medicare Supplement Open Enrollment window and now were ineligible for a Medicare Supplement due to various health issues.

I heard stories from people who believed their loved ones had died because the expensive treatment they had needed to save their life was denied by their Medicare Advantage plan because of the cost.

I received a call from a lady who was moving from Colorado to South Carolina. She was moving there to live with her daughter because her husband had just passed away and she was now alone in Colorado.

When I asked her about her Medicare situation, she told me she and her husband had both had a Medicare Advantage plan in Colorado. Her husband had developed stomach cancer.

However, they and their grown children had been distraught because the Medicare Advantage plan to which they had assigned their Medicare benefits was only willing to pay for less expensive cancer treatments.

Instead, they traveled to Cancer Treatment Centers of America where they received very good and very bad news.

The good news was the doctors at Cancer Treatments Centers of American felt certain that a relatively new but expensive cancer treatment would save his life.

The bad news is because they had signed over their Medicare benefits to their Medicare Advantage plan, they would have to pay the full cost of the treatment – nearly $100,000 out of their own poockets.

This man was left with the choice of using he and his wife’s life savings to try to save his life or choose to die knowing his wife would have the money she needed the rest of her life.

He chose to make sure his wife had the money she needed and he died.

Had this couple stayed with regular Medicare and enrolled in a Medicare Supplement that paid their share of Medicare, he could have received the treatment he needed at Cancer Treatment Centers of America and the entire cost would have been covered 100 percent.

This is why I have made it my life’s work to try to help as many people as possible understand their choices when they first go on Medicare so they can make the right decision for them.

I would appreciate the chance to help you understand your Medicare options so you can choose the right Medicare plan for you both now and in the future when the choice you make today could make all the difference.

Click here to request assistance with your Medicare enrollment

Who is managing your health?

2017-07-09 Charles Bradshaw business photo

       Charles H. Bradshaw          President and Founder  MedicareAnswerCenter

by Charles H. Bradshaw

There is only one acceptable answer to this question and that answer is “you.”

However, if you make the wrong decision about how to receive your Medicare, your health could be managed by a budget analyst more concerned about the profits of a big insurance company than your best health outcome.

When you first go on Medicare – usually at age 65 but often later if you are still working – you can choose to receive your Medicare benefits through regular Medicare combined with a Medicare Supplement and a Medicare Part D drug plan. Or, you can instead assign your Medicare benefits to a private, for-profit, restricted-choice Medicare Advantage plan such as Humana Gold Plus or Kaiser Permanente.

When you choose to stay with regular Medicare, you can go to any doctor or hospital anywhere in the country that accepts Medicare as almost all do. This includes such noted medical facilities as Mayo ClinicJohns Hopkins and Cancer Treatment Centers of America.

Importantly, with regular Medicare combined with a Medicare Supplement, all or almost all of your costs are covered 100 percent regardless of your health situation now or in the future.

This scenario allows you, along with the doctors you choose, to make best decisions for your health.

On the other hand, if you choose to receive your Medicare through a Medicare Advantage plan, your health care decisions are often made by a budget analyst who is focused on managing the costs of your care.

With a Medicare Advantage plan, you have a limited choice of doctors and hospitals and you are not fully covered when you travel. Even worse, because a Medicare Advantage plan is focused on its own profits, it will often say “no” to treatments and tests your doctor may think is right for you when regular Medicare would have said “yes.”

In today’s internet content-rich world, you have access to a wealth of information about your health and the health care providers you can choose with regular Medicare. You have more control and input into the decisions about your health than any generation before.

You should never give up this benefit by assigning your Medicare benefits to a private, for-profit, restricted-choice Medicare Advantage plan.

At MedicareAnswerCenter.com, we have a staff of highly trained, experienced Medicare specialists who can help you with all of your Medicare needs.

Click here to request assistance with your Medicare enrollment 

Beware Medicare Select Medicare Supplements

During the past few weeks we have heard an increasing number of Medicare beneficiaries telling us about Medicare agents trying to enroll them in “Medicare Select” plans.

A “Medicare Select” Medicare Supplement is one offered in many states in which the policyholder agrees to only use as little as one local hospital.

In this situation, the Medicare Supplement carrier offers a lower premium in return for this limitation on hospital choice.

You should never enroll in a Medicare Select plan and if you have enrolled in one you should change to a traditional Medicare Supplement that allows you to choose the hospital from which you receive care.

The reason for this is very simple. One of the two most important benefits to having regular Medicare combined with a Medicare Supplement is you can receive care from the health care provider you believe is best for your unique situation.

This means you can use such distinguished medical facilities as the Mayo Clinic, Johns Hopkins, Cleveland Clinic, Sloan-Kettering and M.D. Anderson. To limit yourself to as little as one local hospital would severely restrict your ability to seek out the best care possible and in doing so give yourself the best chance for the best health outcome possible.

The other most important benefit to having regular Medicare with a Medicare Supplement is all or almost of your health care costs are covered by your monthly premiums so you will never have to pay an unexpected thousands of dollars in health care costs because you become sick.

At MedicareAnswerCenter.com, we have a staff of highly trained, experienced Medicare specialists who can help you with all of your Medicare needs.

Click here to request assistance with your Medicare enrollment

Our highly-trained Medicare specialists will assist you with every part of your transition to Medicare including:

  1. Fully understanding how Medicare works
  2. Understanding your Medicare options if you are still working
  3. Enrolling in Medicare Parts A and B
  4. Identifying the right Medicare Supplement for you
  5. Identifying the right Medicare Part D Drug plan for you
  6. Assisting you with enrolling in the Medicare plans you choose

Simply click on the following link to request one of our Medicare professionals to call you.

Click here to request assistance with your Medicare enrollment

Thank you for allowing us to help you with your Medicare and I look forward to talking with you soon.

Please feel free to call me at (888) 549-1110 or email charlesbradshaw@medicareanswercenter.com for immediate assistance.

Charles Bradshaw

 

MedicareAnswerCenter.com

MedicareAnswerCenter helps people who are going on Medicare or are already on Medicare fully understand their Medicare options so they can make the right Medicare decision for both now and in the future.

For anyone who has questions about their Medicare options, please call us at (888) 549-1110 or email charlesbradshaw@medicareanswercenter.com.

You can also schedule a free, no-obligation Medicare consultation by clicking on the following link

https://www.timetrade.com/book/YW12C

Free, No-Obligation Medicare Consultation

Medicare is complicated. Unless you fully understand your Medicare options when you turn 65 and go on Medicare, you can make a mistake that could cost you tens of thousands of dollars and limit your access to the health care you need the rest of your life.

At Medicare Answer Center our staff of highly trained and experienced Medicare professionals are standing by to fully explain your Medicare options and help you enroll in the Medicare plans you need.

Simply click on the link below to schedule your free, no-obligation 30 minute Medicare consultation.

https://www.timetrade.com/book/YW12C

You can also call us at (888) 549-1110.

Top Ten Reasons You Need Long Term Care Insurance Now

Click below for free quote for Long term Care insurance and for free report – Top Ten Reasons You Need Long Term Care Insurance Now

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Free, no-obligation Medicare consultation

For anyone needing assistance with their Medicare decisions, we are offering 25 free, no-obligation 30-minute Medicare consultations in December.

During this free consultation, you can learn which Medicare Supplements are the best value in your area, which Medicare Part D drug plan with provide your medications at the lowest cost and you can even enroll over the phone in the Medicare plans you need.

Simply click on the following link to schedule your free Medicare consultation today.

Click here to schedule your consultation

Why you should never enroll in a Medicare Advantage plan

The Medicare Advantage Trap eBook

Medicare Advantage Trap Cover 1

Ten Facts You Must Know When Going On Medicare

Top Ten Facts Cover Page

To get immediate assistance with your Medicare, please call us at (888) 549-1110 or email charlesbradshaw@medicareanswercenter.com.

You can also schedule a free, no-obligation Medicare consultation by clicking on the following link

Schedule your free, no-obligation Medicare consultation

Free Medicare Consultation Available Now

If you need help with your Medicare, we have a limited number of free appointments available the next two weeks to help you.

Simply click on the link below to schedule your free Medicare consultation with Medicare expert and author Charles Bradshaw.

https://www.timetrade.com/book/YW12C

You can also email us a charlesbradshaw@medicareanswercenter.com or call (888) 549-1110.

We appreciate the opportunity to help you with your important Medicare decisions.

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