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Numerous senior citizens in the US rely on government-run healthcare programs to receive adequate healthcare coverage and get ample support whenever they face an inevitable medical emergency. But since so many people are still unaware of various organizations’ different comprehensive coverage policies, almost 16 million adults are currently going through medical debt and owe more than $10,000.

Medicare is a government-backed healthcare program that offers ample coverage for a wide range of medical expenses for millions of US citizens nationwide. This health insurance providing network is one of the most reliable health insurance providers and finally gives people a chance to get health coverage without going through any medical debt.

You automatically become enrolled in Medicare when you reach the age of 65 or have been receiving disability benefits from Social Security or the Railroad Retirement Board. With a well-rounded health insurance program, you never have to worry about paying any extra out-of-pocket expenses at the time of a medical emergency ever again.

The key to receiving maximum healthcare benefits from Medicare is to find a health insurance plan that is perfectly suitable for your specific needs and requirements and is also within budget. But the process of finding a robust healthcare plan can seem lengthy and intimidating.

This is why at Integrity Now Insurance Brokers, our Medicare insurance agents are dedicated to simplifying things and helping you streamline the most reliable health insurance plans at competitive rates. Our Medicare insurance agents are annually accredited by the American Health Insurance Plans (AHIP) and are well-versed with the dynamics of the insurance industry.

With our extensive experience and access to numerous A-rated Medicare insurance agencies in Virginia, we assure you that you are in safe hands.

To discuss all the Medicare options available in your region, get in touch with our Medicare insurance agents by giving us a call, and we will provide you with all the details that you require.

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A Guide on Different Medicare Options Available in Virginia

Every person who is considering enrolling themselves in the Medicare program in Virginia must choose between the following different Medicare options.

Original Medicare

The Original Medicare program, also known as the traditional Medicare, is one of the most popular fee-for-service Medicare options in Virginia that is offered through the federal government. This healthcare plan includes Medicare Part A (Hospital Insurance) and Part B (Medical insurance).

The Original Medicare plans are managed by the Centers for Medicare & Medicaid Services (CMS). The Part A plans provide coverage for services like inpatient hospital care, skilled nursing facilities (excluding custodial or long-term care), inpatient care in religious non-medical healthcare facilities, psychiatric care, home health care, and hospice care.

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Medicare Advantage – Part C Plans

The Part C plans are offered by private insurers that work under the terms and conditions of Medicare. To join the Medicare Advantage plan, you must already be enrolled in Medicare Part A and Part B Plans.

These plans are an all-in-one solution for people who are looking to combine all of their Medicare benefits into a single policy. The Medicare Advantage plan also includes additional health benefits like coverage for dental, vision, hearing, discounted gym memberships, and other health and fitness programs.

When signing up for Medicare Advantage, you will be provided with a recommended network of healthcare providers for lower costs. Medicare Advantage copayments, coinsurances, and deductibles are much lower compared to the Original Medicare, and most of their plans even have drug coverage.

Virginia’s Medicare Advantage program offers four different types of plans.

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Medicare Part D

Many Original Medicare beneficiaries like to purchase the Medicare Part D plans, which specifically provide coverage for prescription drugs since the Original Medicare does not offer drug coverage. Like other health insurance plans, the Part D plans also charge a monthly premium, an annual deductible, and other out-of-pocket expenses.

You can add Part D plans to your Original Medicare plan or another healthcare plan like the PFFS or PPP. The Part D plans cover all brand-name and generic drugs. All plans typically cover drugs from all categories, but sometimes these plans can have specific formularies, including drugs from each category.

Part D Deductible

Several of the Part D policies have an annual deductible. The maximum deductible in 2022 for Part D subscribers is $480.

Initial Coverage Limit

Medicare beneficiaries will be expected to pay 25% of the cost-sharing, and 75% will be covered by their drug plan.

Coverage Gap

Medicare Part D coverage gap begins after your drug plan has paid a certain amount of your prescription drugs. In 2022, this limit is $4,430. This amount changes almost annually, and you will be expected to pay 25% of the plan’s cost for any brand-name drugs listed in your plan’s formulary.

Medigap – Supplemental Healthcare

Medigap or Medicare Supplement plans are funded by private insurance companies in Virginia that fill out all the gaps in the Original Medicare plan. Each plan in this program is labeled from A to N, and each letter has a certain level of coverage.

Medigap provides all the basic benefits of the Original Medicare, including coverage for all Part A and Part B coinsurances, hospice care copayments and coinsurances, Medicare preventive care deductibles, and the first three pints of blood.

Additional benefits include specialized nursing facilities care deductibles, Part B excess charges, out-of-pocket yearly limit, and foreign travel emergency coverage.

Medigap insurers calculate their premiums using three different approaches.

Issue Age Rating

This approach for calculating premiums depends on the enrollee’s age and is less costly for younger people. The overall costs are never affected due to the person’s age.

Attained-Age Rating

In the attained-age rating method, the premiums are much cheaper for younger individuals. Many insurers like to use this approach unless mandated to do otherwise.  

Community Rating

Eight states in the US have mandated this method of calculating premiums, while many insurers tend to avoid it.

When finding the right health insurance plan, it’s not uncommon for people to feel overwhelmed and intimidated by the amount of research required. There are various options to choose from, and finding the one that is best suited to your situation can be difficult.

This is why at Integrity Now Insurance Brokers, our highly qualified Medicare insurance agents are committed to making your job easier and can help you streamline the most well-rounded healthcare plans at competitive rates.

We have years of experience in helping people land comprehensive health insurance policies because we prioritize your health before anything else. To learn more about the different Medicare plans available in Virginia, make sure to go through our resources and find out all there is about signing up for Medicare.

Comparing Medicare Plans in Virginia

Here are some factors you should consider before signing up for Medicare.

Provider Network

If you’re looking to prevent excessive medical charges, choose in-network healthcare providers since out-of-network providers usually have higher premiums and charges. You can save a significant amount of money by just opting for an in-network provider.

Amount of Coverage Required

Before you sign up for a plan, make sure to do your research and find a plan that has all the benefits that you require.

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Why Choose Medicare Insurance Agents at Integrity Now Insurance Brokers?

Medicare insurance agents at Integrity Now Insurance brokers are a certified team of highly qualified insurance agents who have helped countless of our clients devise the most comprehensive health insurance plans all over Virginia.

We partner with premium Medicare insurance agencies in the US and are committed to helping you formulate the most efficient healthcare plans best suited to your specific needs and requirements.

Our independent Medicare insurance agents offer free of charge assistance 24/7 and will guide you line by line through every insurance policy to help you find the one that has proper coverage along with additional benefits.

Book a consultation with us today by giving us a call, and our representative will help you compare quotes and provide you with all the details that you require.

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