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MIDSOUTH HEALTHCARE |
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WE DO NOT CONTRACT WITH ANY COMPANIES THAT SELL-BY-MAIL, ONLY. ALL OF OUR COMPANIES PROVIDE A "LIVE" REPRESENTATIVE TO ASSIST YOU FOR AS LONG AS YOU MAINTAIN YOUR COVERAGE WITH THE COMPANY. PRICING GUIDELINES ARE AS FOLLOWS: MEDICARE SUPPLEMENTS Rates are determined by age, sex, and healthcare costs in certain areas. Some companies have a "blanket" price statewide for everyone. These companies tend to be somewhat higher in price. Many companies base their rates on the area in which the client lives, according to costs in that area. These companies usually provide lower rates for females than males, due to lower claims ratio. These companies usually "specialise" in Senior Coverage and try to be as competitive as possible. ALL medicare supplement policies are NON-CANCELLABLE & GUARENTEED RENEWABLE This means you cannot be "dropped" by the company as long as you pay your premiums. Medicare supplement policies provide solid benefits that allows clients to know EXACTLY what they will owe, if anything, before the bill is made.
MEDICARE "ADVANTAGE" PLANS Medicare "Advantage" plans replace regular medicare benefits with a private insurance company plan that recieves the with-holding from the recipients social security check, as well as the federal funds from the government sent down own his or her behalf each month....and the client still has to pay a co-pay for various services, and find facilities that will "accept" their plan. Some plans also charge a "premium" to the recipient !! Most "Advantage" plans utilise their own doctors, hospital, and clinics. These plans are known as HMO'S and PPO'S or FFS plans. Clients are allowed to use other doctors and facilities in an emergency. Rates are calculated in much the same way, however, since clients are charged a CO-PAY for using their coverage, rates tend to be lower than medicare supplement policies. Since co-pays are charged for office visits, tests, x-rays, surgeries, hospital admissions, ect. there is no way to determine the clients charges ahead of time. Since co-pays can be as high as $275.00 for some things, most plans will have a maximum amount per year "CAP", such as $5,000.00. Since some medical items are not covered by these plans, the client's out-of-pocket charges can go well beyond their "CAP". Also, if the client takes the all-in-one plan that includes prescription drug benefits, the client will be "locked in" to the plan for up to a year ! However, the plan can cancel the clients benefits anytime it chooses, or withdraw from the clients area at will. Should this occur, the client will automatically go back to regular medicare and will have 63 days to find a guaranteed issue supplement if the client so wishes. A thorough examination of these plans, all the different co-pays, what's not covered, are advised before signing up for coverage FOR QUESTIONS OR A "FAST-QUOTE", PLEASE CLICK BELOW
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