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Hamptons.com
November 6, 2013

Choosing The Right Medicare Supplement Policy

Rocco A. Carrieroby Rocco A. Carriero
in Real Estate
Home Real Estate

If you are approaching age 65, you will soon become Medicare-eligible, and you have a few decisions to make. For starters, if you aren’t yet collecting Social Security, you should apply for “original” Medicare around your 65th birthday (from three months prior to or after the month of your 65th birthday). Original Medicare includes Part A (hospital insurance), which generally is available at no cost, and Part B (medical insurance), which typically requires a monthly premium of $100 per person (more if your income is beyond certain threshold levels). Drug coverage is provided through Medicare Part D, which is applied for during the same time period but separately from Original Medicare.

Yet Medicare doesn’t cover all of the costs of healthcare in retirement. Given that most people are likely to need more medical care as they grow older, it makes sense to consider adding a Medicare Supplement policy, sometimes referred to as “Medigap.”

Here are some key points to know about Medigap insurance:

  • Private insurance companies sell these policies. Their purpose is to cover expenses that aren’t paid for by traditional Medicare, including copayments, coinsurance, deductibles and medical services outside of the U.S.
    You can only buy a Medigap policy if you enroll in Part A and Part B.

  • If you plan to buy a Medigap policy, you should do it during your initial open enrollment period. This begins on the first day of the month you are at least age 65 and enrolled in Medicare Part B. You have a six-month window from that point to choose any Medigap policy you want regardless of pre-existing conditions*. Insurance companies must charge you a standardized rate and cannot reject you due to your medical condition provided you enroll during this six month window. In addition, they must renew your coverage each year regardless of your health status.
  • Medigap policies sold after January 1, 2006, aren’t allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D) offered by private companies approved by Medicare.

    A Variety of Choices

    Private insurance companies offer Medicare supplement coverage, but the types of coverage offered are standardized. Every Medigap policy is required to abide by certain federal and state laws.

    However, you can choose a specific Medigap policy that suits your needs. These plans are identified with a letter system (Plan A, Plan B, Plan C, etc.). Any insurer who offers a plan under any of those categories must provide the standard level of coverage defined for that category.

    Plans typically cover coinsurance or copayments that you must pay under your Medicare coverage. Other benefits will vary depending on the type of plan you choose. The plan you select may or may not cover:

  • Hospice care
  • Skilled nursing facility care
  • Deductibles for services otherwise covered by Part A or Part B
  • Foreign travel

    You can decide on the type of coverage that is appropriate for your needs. Typically, the more comprehensive the coverage, the higher the premiums will be. If you are looking for a Medicare supplement plan, shop around to understand if you have access to plans that may include long-term care coverage, hearing aids and vision or dental care.

    Compare Carefully

    You can consider Medigap policies from a variety of providers in your state (the types of plans offered in each state can differ). Pricing may also vary. Insurance companies can base premiums in one of three ways:

  • Community rated, meaning premiums aren’t based on age.
  • Issue-age rated, where premiums remain steady (and generally lower) if you first buy the policy at a younger age.
  • Attained-age rated, where premiums are lower when you first buy the policy, but will rise as you grow older.

    Be sure you understand the pricing structure of the policy you are considering. If policies you are comparing use different pricing structures, a policy that might cost you less today could be more expensive down the road as there are a number of variables that can affect premiums.

    Also be sure to understand exactly how your policy works, what it covers, and how premiums might change in the future. You may want to check with the State Health Insurance Assistance Program where you live to answer any specific questions you have about Medicare supplement policies. You can also visit www.Medicare.gov for more information and a free, helpful booklet titled “Choosing a Medigap Policy.” Planning for healthcare expenses in retirement can be very complex and daunting so consider working with a financial professional who can help you review your options and determine what fits best for your personal goals and financial situation.

    * While the insurance company can’t make you wait for your coverage to start, it may be able to make you wait for coverage related to a pre-existing condition.

    Sources: “2013 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare,” published by the Centers for Medicare & Medicaid Services and “When can I sign up for Part A & Part B” on Medicare.gov

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    • Whether you are walking the fast-paced streets of New York City or taking a leisurely beach stroll in the Hamptons, there’s a slight chance you might run into Elias Friedman, known online as “The Dogist.” His adoration of dogs, combined with his passion for photography, has led him to gain over 7 million followers on Instagram. The audience at his recent Guild Hall show reflects how much people truly love their dogs and how Elias does so much more than simply take picture-perfect dog portraits. He can capture the beautiful bond between man and his best friend. His book, This Dog Will Change Your Life, is already a New York Times bestseller. Guild Hall’s lobby was filled with fans excited to get their copy signed.⁠
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His guests included local dog lovers and friends of ARF (Animal Rescue Fund of the Hamptons). Attendees had front-row seats to a “Dogist”-style encounter: a casual conversation about how the dog entered the owner’s life, followed by a quick photo shoot revealing Elias’ methods for capturing the dog’s attention (hint: It’s dog noises and treats).⁠
⁠
I had the pleasure of talking to Elias about how “The Dogist” came to be, rescue organizations, and the Hamptons.⁠
⁠
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Let’s go back to the beginning. What inspired you to dive into photography?⁠
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We had a dark room because my dad was an amateur photographer, and I’d always liked cameras and gadgets. We had a couple of Labrador retrievers who were sort of my first muses and would happily sit for pictures. I was taking dog pictures from a young age and then fast forward to 2012 in New York City I was let go from my job and saw what other street photographers were doing like Humans of New York and The Sartorialist and thought why isn’t someone doing that for dogs and I thought I wanted to be the person, I dusted off my camera and the rest is kind of history. It took off pretty quickly because it turns out people like dogs just as much as I do.⁠
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Read the full interview at Hamptons.com (Link in Bio)⁠
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#dogist #arf #dogs #animalrescue #guildhall #hamptons
    • 167 Dune Road, Bridgehampton, NY 11932⁠
Saunders Exclusive: $42,500,000⁠
@jenniferwilsonhamptons 
@edbruehl @leemohlerehamptons 
@hamptonsrealestate 
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Experience extraordinary coastal living with this exquisite oceanfront estate on Dune Road in Bridgehampton. ⁠
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Designed by the renowned architect Francis Fleetwood, this remarkable property boasts 300 feet of private ocean frontage, complete with its own private boardwalk leading directly to the beach, all set on over 3 acres of prime land.⁠
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The charming shingle-style residence encompasses 4,200 +/- sq. ft. of luxurious living space, featuring 5 bedrooms and 5 full bathrooms, plus an additional half bath.⁠
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Read the full article at Hamptons.com (Link in Bio)⁠
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#duneroad #oceanfront #bridgehampton #realestate #hamptons #francisfleetwood ⁠
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    • The Hamptons have seen their fair share of collaborations and takeovers this summer. Still, nothing compares to The h.wood Group and Chase Sapphire Reserve’s transformation of Montauk hotspot Mary Lou’s into Delilah Montauk.⁠
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The four-day takeover combined unforgettable dining experiences with show-stopping live entertainment featuring performances by Zack Bia, Alesso, Gwen Stefani, and DJ Pee.Wee (Anderson Paak). ⁠
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Exclusively for Chase Sapphire Reserve cardholders, diners were treated to white glove hospitality and Delilah’s staples, including the famous chicken tenders and tuna tartare, and bold twists on Hamptons classics like lobster rolls, striped bass crudo, and crab and avocado toast. 

Check out more at Hamptons.com (Link in Bio)

#gwenstefani #alesso #djpeewee #chasesapphirereserve #delilahmontauk #montauk #hamptons
    • LVIS thrift shops are open Tuesdays through Saturdays 10 AM through 5 PM

donations are accepted Wednesday through Saturday 10 AM through 1 PM by appointment 

located at 95 Main St East Hampton
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#carshow #hamptons #sangennaro #sangennarofeast #winedinner #bridgeIX
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