Frequently asked questions by the clients of BGA Insurance Group. Please contact us for a free review of your current plan or situation.
Are Medicare and Medicaid the same?
They are not the same. Medicaid is a Federal-State health insurance program for low-income and needy people.
Are Medicare premiums tax deductible?
Yes, if you meet certain conditions required by the IRS.
Are Medicare premiums paid in advance?
Are Medicare premiums based on income?
Medicare Part B premiums are based on income levels.
Are Medicare wellness visits mandatory?
A Medicare Wellness visit in not mandatory, but is a benefit that pertains to your best interest.
Are Medicare and medicaid federal programs?
Medicare is a federal run program while Medicaid is a state run program run within federal guidelines.
Are Medicare cards changing?
Yes they are! All Medicare recipients will be issued new cards by 2019 that will no longer feature your social security number.
How is Medicare funded?
Medicare is funded by taxpayers through the social security administration.
How does Medicare pay doctors?
The doctor bills Medicare direct and Medicare pays the doctor direct, unlike Medicare Advantage carriers.
How does Medicare work with other insurance?
Medicare is compatible with a Medigap plan and a Part D plan. You cannot simultaneously have a Medigap and Advantage plan.
Will medicare pay for assisted living?
Medicare will cover the recipient but not the actual facility.
Will medicare pay for glasses?
Some Medicare advantage plans have certain allowances for prescription glasses.
Which medicare plan covers hospice?
Medicare does cover some hospice care.
Will medicare pay for nutritional supplements?
Medicare does not pay for nutritional supplements, only drugs prescribed by the doctor.
Are Medicare Advantage plans hmos?
Medicare Advantage plans include HMO’s, PPO’s, SNP’s and PFFS plans offered by private insurance carriers.
How does Medicare Advantage work?
Medicare Advantage plans are private insurance carriers approved by Medicare that cover all Medicare benefits.
Medicare Part D
How does Medicare Part D work?
Part D is an independent prescription plan which is subsidized by Medicare.
Who needs medicare supplements?
Any senior age 65 and over who no longer will have credible coverage through an employer and some people under the age of 65 who qualify for Medicare disability.
Can medicare supplements deny coverage?
Supplements will only deny coverage if Medicare denies coverage first. Medicare is the primary and supplements are only the secondary, Medicare pays first.
Can employers pay for medicare supplements?
Yes, we have numerous clients where their employer will pay for the coverage.
Can you have two medicare supplements?
No, you cannot have two Medicare supplements.
Will Obamacare affect medicare supplements?
You can never predict the future, but right now Obama has not affected Medicare that we know of.
Do medicare supplements pay for hearing aids?
No, Medicare does not cover hearing aids, but we do sell a separate policy for hearing aids.
Do medicare supplements cover prescriptions?
Medigap plans do not cover scripts, you need a Part D Plan.
Do medicare supplements cover dental?
Medicare supplements do cover dental, some advantage plans do or a separate dental plan will.
Do medicare supplements have networks?
When you have traditional Medicare and a supplement you have an open network throughout the United States.
Will medicare pay for a hospital bed?
Medicare Part A will cover a portion of your hospital bed.
Do medicare supplements cover nursing homes?
Medicare will cover a certain amount of days for skilled nursing care, not custodial or intermediate care.
Who can sell medicare supplements?
Are medicare supplements guaranteed issue?
Some plans are guaranteed issue. Depends on the situation, for example someone who had Medicare but are losing their employer coverage.
Are medicare supplements underwritten?
Supplements are underwritten for people who are not in their Initial Enrollment Period.
Do medicare supplements cover chiropractic?
Medicare does not cover routine visits, it will only covers manual manipulation of the spine if medically necessary.
Which medicare supplements have Silver Sneakers?
There are very few supplements that do cover Silver Sneakers most notably United Health Care.