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Owners/Agents of Georgia Health Insurance, INC. Terri & Price Potter

Owners/Agents Terri & Price Potter

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Medicare Insurance

Medicare Insurance: Georgia Health Insurance, INC.

Are you confused about the different parts of Medicare? Do you know the types of Medicare insurance available? Many people are perplexed and frustrated when they begin to investigate their insurance options. Medicare is just one of those products that is best discussed with someone familiar with the products before you make any decisions.

Get the Right Plan for the Best Possible Price

With experienced guidance from knowledgeable professionals, you can rest assured that you are getting the best available product for your money. That is where we come in! We will take the time to explain to you the different types of Medicare insurance plans on the market today. Once you have a better understanding of the various Medicare details, you will be able to make an informed decision as to which type of Medicare plan or supplemental plan best fits your needs.

More Choices, No Extra Fees, Free Quotes!

We will be happy to give you free quotes, with no obligation, when you call us. Did you know that no matter where or from whom you purchase a Medicare plan or supplement, the cost is exactly the same? That means that you can buy your Medicare plan from us for the same cost as directly from the carrier. We represent Blue Cross Blue Shield of Georgia, Humana, Coventry, Aetna, Mutual of Omaha and United Healthcare Medicare plans.

The Georgia Health Insurance, Inc. Advantage

You get our years of insurance experience and our professional, personal service to answer all your questions for free! We will also be here for you after the sale to help service your plan should the need arise.

Call us today at
770-452-9335

We look forward to helping you with your Medicare needs!

Thank you for visiting our site in your search to understand your Medicare options. Our goal is to help you understand the available options to meet your personal Medicare needs. We are here to answer your questions and would love to talk to you on the phone. We have compiled some of the basic information that you can find out on the internet just to give you some of the basics. For the official information on Medicare you should go to:

The Centers for Medicare & Medicaid Services, Official U.S. government Medicare handbook: “Medicare and You”, or visit . www.Medicare.gov


Medicare Basics

Medicare is:
a health benefit program for US citizens and people
living in the US legally as permanent residents that are:
  • Age 65 or older

  • Under age 65 with certain disabilities

  • People with End Stage Renal Disease

Medicare consists of 4 parts:

Part A: Hospital Coverage (original Medicare)
  • Inpatient hospital care

  • Skilled nursing facility care

  • Some home health care

  • Hospice care

Part B: Medical coverage (original Medicare)
  • Health care providers (Doctors)

  • Outpatient care

  • Durable medical equipment

  • Preventive services (limited)

Part C: Medicare Health Plans (Advantage Plans)
Part D: Prescription Drug Coverage

Medigap Plans (Supplemental plans)

are not considered a part of Medicare but are helpful if you choose to stay with original Medicare.

When you turn 65:
  • If you want Part A and Part B you will need to contact Social Security

    (you can apply online at http://www.socialsecurity.gov/medicare/apply.html ) and request the coverage.

    You can start this process 3 months prior to your birthday. If you plan to remain on your group health plan you might want to delay Part B (check with your group admin at work to see how your plan works with Medicare).

  • If you are already receiving Social Security benefits you will automatically be signed up for Parts A and B effective the first day of the month you turn 65.

Cost:
  • Part A: premium free if you or your spouse paid Medicare taxes while working for 10 years

  • Part B: premium cost is $134 in 2017 (if you have a high income you could pay more)

  • Part C: depends on the plan you purchase

  • Part D: depends on the plan you purchase

Once you have signed up for Medicare Parts A and B you have some control on how you want to obtain your Medicare coverage:

You can stick with original Medicare (consisting of Parts A and B) and add Part D drug coverage. Then you have the option to add a Medigap plan (supplemental coverage), and other coverage options like dental and vision.

Medigap Plans (Supplemental plans)

    • Only available to purchase with original Medicare Parts A and B. You will also need to purchase your Part D drug coverage separately (if you choose to do so).

    • Limited guaranteed issue period of 6 months.

    • Not available if you buy Part C (an Advantage plan)

You can join a Part C plan which is a Medicare Advantage Plan

Medicare Advantage Plans-called “Part C” or “MA Plans”:

  • You will still have Medicare but you will get your Part A and Part B coverage from your Medicare Advantage Plan, not original Medicare, offered by private companies approved by Medicare

  • Required to cover all of the services that original Medicare covers

  • Cost Sharing equal to original Medicare

  • Required to have an Out of Pocket Maximum

  • Many offer Part D drug coverage. These are called MAPD plans.

  • Usually offers extra coverage beyond what original Medicare offers

  • There are different types of Medicare Advantage Plans

We are here to explain the differences to you so that you can make an informed decision.

Call us
(770) 452-9335
Toll Free
(866) 449-9335.


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