A Co-Pay is a dollar amount that you will pay for your medical services. A Co-Insurance is a percentage amount. For example, I went to my primary care physician and had a Co-Pay of $50. I then took an x-ray and paid my Co-Insurance of 30%. So which is better? A Co-Pay is always going to be better.
Alexa and Keaton show up and just take over. They asked us some questions and we filled everything out. In twenty minutes I was signed up for Medicare, had my Supplement Insurance Plan F, and had my drugs covered. Anytime I have a question I can just call them up and they’ll answer it.
This sort of expertise is not going unnoticed. Our HealthyMarks office was recently quoted by Sonoma Valley Sun newspaper to provide context for those enrolling in a Medicare Plan.
I know it is tempting to put this decision off until a later date but it is important to understand that you are responsible for signing up during your initial enrollment period. If you don’t enroll during this time you risk incurring penalties that could make your plan cost more in the future. COVID is not an excuse, you are still responsible for signing up properly.
“I was completely lost when it came to enrolling in Medicare. However, I had relied on HealthyMarks in the past for my company’s group insurance and I knew I was in great hands with their team. I feel lucky they have helped me make all the right decisions.”
For the second time in a month, HealthyMarks has been tagged in a popular journal. The costs of medical insurance and general medical care has skyrocketed in the last 10 years and everyone is attempting to find the most cost efficient ways to protect their family members and their bank accounts. HealthyMarks is always here to help you brainstorm new ideas so you can always feel safe.
A Nation of Moms is a popular source of information and recently took the time to reach out to us for information regarding how to best prevent major medical expenses.
“Alexa has been a joy to work with. We have been paying thousands of dollars in monthly premiums and Alexa came in and helped us save money. She was very detailed in her work so that our prescriptions were covered under Blue Shield which in return saved us a ton of money annually. My husband and I are very appreciate of the HealthyMarks team.”
If you wish to get the most out of your PPO, it is important to verify you are visiting doctors within your network. It is a good practice to call your potential doctor’s office and ask specifically “Will I be in network with your office?”
HealthyMarks was in good hands with my team here in San Diego and I was able to keep up with work they sent me from the office. I feel incredibly lucky to have the opportunity to see the world in this way. I will see you on the next trip!
“Alexa and Keaton are an awesome duo to work with. They came to my house and went over the Medicare plans for me. They are quick to answer any questions I have throughout the year and are overly sweet. I am very thankful that I am in good hands with the HealthyMarks team.”
Our team is happy to help, even after the enrollment. When you are happy and enrolled with your new plan, HealthyMarks is still there to help you. Our relationship doesn’t stop simply because you have your plan; we want to be a resource for you forever.
Health insurance carriers are not known for having excellent customer service. However when you pick up the phone and get a live person on the other line, there is a good chance you can get something done. Here are a couple tips to help you find success during those tough conversations with insurance carrier’s support teams.
The Coronavirus has brought tough times upon businesses here in the United States. Many businesses are already struggling to pay their employees and their employees’ health insurance benefits. The State of California is attempting to alleviate some of those pains by extending the mandatory forgiveness period to 60 days.
CoveredCA has agreed to allow those who are not currently enrolled in an individual plan to enroll in one effective April 1st or May 1st. If you are worried about costs for your care due to a serious emergency like Coronavirus, I suggest you take this opportunity to evaluate whether you want to enroll now.
“Alexa and Keaton came to our home to help my husband sign up for Medicare. They are very detailed and helpful with all the different plans out there you can choose from. I trusted their opinion and asked them to evaluate my current Part D prescription drug plan. We ended up changing it during Open Enrollment saving me money. We are very appreciative of HealthyMarks Medicare.”
How your prescription drugs are covered is one of the more confusing pieces of a Medicare plan. Your drugs will cost differently depending on how much money you’ve already contributed towards your prescription drug costs.
The IRS allows all taxpayers to deduct medical care expenses for the year that exceeds 10% of their adjusted gross income. Here’s a quick example. Let’s say you made $50,000 last year. You also had a surgery that cost you $8,000. 10% of $50,000 is $5,000. Therefore, the $3,000 that exceeds your 10% is tax deductible.
California has created a state mandate for health insurance effective 2020. California implemented these penalties as a way to encourage more people to enroll in insurance, and also as well as fund the insurance subsidies provided to low and middle income families.
Plan F is no longer available to newcomers to Medicare. Medicare still offers incredibly well priced and well designed plans. The best plan available after January 1, 2020 will be Plan G. Plan G is a little less expensive, but it does have a $183 Part B deductible.
Insurance carriers pay brokers like us to help you enroll in your Medicare plans.
So you can enroll with a professional free of charge!