Enrolled Agent-licensed to practice before the IRS, Samuel N Smith, EA, South Carolina
Medicare has two options: 1. origninal medicare & 2. Medicare advantage. Original medicare is administered by the same beaurcrats that Obama has used to trash the health care system whereas Medicare Advantage is administered by PRIVATE insurance companies. Medicare Advantage has proven to be the most cost effective system of rendering medicare services because the insurance companies know what is appropriate and what is not appropriate. Medicare on the other hand continues to be riddled with Waste, Fraud, & Abuse-which can be summaraized by spelling P O L I T I C I A N S always looking for an opportunity to buy votes. As a matter of fact one of the L I E S CMS(Center for Medicare & Medicaid Services) has put in the Medicare Advantage booklets is "every Medicare Advantage plan has to be the equivalent of "original Medicare". Really? I will promise you original medicare covers 80% of LAB work, especially when it is done for annual physical. Yet, when a particular Medicare Advantage Plan refused to pay my lab charges it was an exercise in futility to get CMS to correct the problem. The Bureaucrats created two classes of sales people when Medicare Advantage was created and adminstered by the wonderful beaucrats- one class that is completely unregulated when they sell Medicare Supplement and the sales person that sells Medicare Advantage is CONTROLLED by the beaurcrats and this last year when I completed the REQUIRED CERTIFICATION it took me 24 hous just to complete the certification. Compare that to the fact I read and took the test and passed the test to sell Obummer Care in less than three hours. Controlling Health Insurance is all about CONTROLLING YOU-THE CONSUMER. Did you realize Medicare is controlled by a UNION IN wASHINGTON D. C. If you want effective health insurance you will identify the members of the unions and you will vote for politicians that will put the unions out of business.
Medicare along with a Medicare Supplement Plan is actually great health insurance. Many folks that are turning 65 are concerned about the unknown as they enter Medicare. My experience has been most people get equal to or better benefits (often times for less money) than what they had with their group or individual plan.
For example, Plan F covers what Original Medicare Part A & B does not. With Plan F you will not have any deductibles, coinsurance, co-pays or even pay to see the doctor. Furthermore, there is no network! That's right, you can go to any doctor or hospital in any state that you want. If they take Medicare, they take the supplement regardless of the who the insurance carrier is. There are other Medicare Supplement plans to consider besides just Plan F.
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For example, Plan F covers what Original Medicare Part A & B does not. With Plan F you will not have any deductibles, coinsurance, co-pays or even pay to see the doctor. Furthermore, there is no network! That's right, you can go to any doctor or hospital in any state that you want. If they take Medicare, they take the supplement regardless of the who the insurance carrier is. There are other Medicare Supplement plans to consider besides just Plan F.