Kansas City Medicare & Medigap Supplement Expert

Are you overwhelmed by the switch to Medicare? Having trouble keeping all the “Parts” and “Plans” straight? Don’t be confused during the enrollment periods. 

Contact me today (816) 436-1016!

Don't Wait. Get Started!

I will personally walk you through the process. I can  help you review Medicare Supplement, Medicare Advantage and Prescription Drug options. I am licensed with many insurance carriers. Together, we’ll compare rates and find a plan that is both appropriate and affordable.

Are you a Missouri resident already enrolled in a Medicare Supplement plan? Click here to learn about the benefits available from the Missouri Anniversary Rule. Don’t miss out on a unique opportunity to save.

If it’s your first time enrolling in Medicare Part D (Prescription Drug Plan) or you’ve had a drug plan for years, we can help.

Open Enrollment is each October 15th through December 7th. During that window, you have the opportunity to switch prescription drug plans. It’s important to review your options annually, as formularies and pricing changes.  You don’t have to go through this process alone. Contact Brian for help reviewing the plans available to you.

Click here to read about six ways to lower your drug costs on Medicare.gov.

 

Contact me today (816) 436-1016!

Don't Wait. Get Started!

 


Frequently Asked Questions


Convenience

Where are the doctors’ offices? What are their hours?  Do the doctors use electronic health records or prescribe electronically?  Which pharmacies can you use? Is the pharmacy you use in the plan’s network? If it’s in the network and your plan has preferred pharmacies, is your pharmacy preferred? (You may pay more at non-preferred pharmacies.) Can you get your prescriptions by mail?

Cost

How much are your premiums, deductibles, and other costs? How much do you pay for services like hospital stays or doctor visits? Is there a yearly limit on what you pay out-of-pocket? Your costs may vary and may be different if you don’t follow the coverage rules.

Coverage

How well does the plan cover the services you need?

Doctor & Hospital Choice

Do your doctors and other health care providers accept the type of coverage you have? Are the doctors you want to see accepting new patients? Do you have to choose your hospital and health care providers from a network? Do you need to get referrals?

Prescription Drugs

Do you need to join a Medicare drug plan? Are your drugs covered under the plan’s formulary? Are there any coverage rules that apply to your prescriptions?

Quality of Care

Are you satisfied with your medical care? The quality of care and services offered by plans and other health care providers can vary. Medicare has information to help you compare how well plans and providers work to give you the best care possible.

Travel

Will you have coverage in another state or outside the U.S.?

Your Other Coverage

Do you have, or are you eligible for, other types of health or prescription drug coverage (like from a former or current employer or union)? If so, read the materials from your insurer or plan, or call them to find out how the coverage works with, or is affected by, Medicare. If you have coverage through a former or current employer or union or other source, talk to your benefits administrator, insurer, or plan before making any changes to your coverage. If you drop your coverage, you may not be able to get it back.

Information obtained from www.medicare.gov

By contacting the phone number on this website you will be directed to a licensed agent.

Generally, you are eligible for Medicare if you or your spouse worked for at least 10 years in Medicare-covered employment and you are 65 years old and a citizen or permanent resident of the United States.

If you are not 65, you might also qualify for coverage if you have a disability or with End-Stage Renal disease (permanent kidney failure requiring dialysis or transplant).

Here are some simple guidelines. You can get Part A at age 65 without having to pay premiums if:

  • You already get retirement benefits from Social Security or the Railroad Retirement Board.
  • You are eligible to get Social Security or Railroad benefits but have not yet filed for them.
  • You or your spouse had Medicare-covered government employment.

If you are under 65, you can get Part A without having to pay premiums if:

  • You have received Social Security or Railroad Retirement
  • Board disability benefit for 24 months. You are a kidney dialysis or kidney transplant patient.

While you don’t have to pay a premium for Part A if you meet one of those conditions, you must pay for Part B if you want it. It is deducted from your Social Security, Railroad Retirement, or Civil Service Retirement check. If you don’t get any of the above payments, Medicare sends you a bill for your Part B premium every 3 months.

If you have questions about your eligibility for Medicare Part A or Part B, or if you want to apply for Medicare,give us a call at 816.436.1016 so that we can help you get started. You can also call Social Security at 1-800-772-1213 or visit or call your local Social Security office. TTY users should call 1-800-325-0778. You can also get information about buying Part A as well as Part B if you don’t qualify for premium-free Part A.

By contacting the phone number on this website you will be directed to a licensed agent.

Medicare Advantage

September & October—Review and Compare Medicare Advantage Plans

Review any notices from your plan about changes for next year.

Compare: In October, use Medicare’s tools to find a plan that meets your needs.

This is the one time of year when ALL people with Medicare can make changes to their health and prescription drug plans for the next year.

Between: October 15- December 7

Change from Original Medicare to a Medicare Advantage Plan.

Change from a Medicare Advantage Plan back to Original Medicare.

Switch from one Medicare Advantage Plan to another Medicare Advantage Plan.

Switch from a Medicare Advantage Plan that doesn’t offer drug coverage to a Medicare Advantage Plan that offers drug coverage.

Switch from a Medicare Advantage Plan that offers drug coverage to a Medicare Advantage Plan that doesn’t offer drug coverage.

Join a Medicare Prescription Drug Plan.

Switch from one Medicare Prescription Drug Plan to another Medicare Prescription Drug Plan.

Drop your Medicare prescription drug coverage completely.

January 1—Coverage Begins

Your new coverage begins if you switched to a new plan. If you stay with the same plan, any changes to coverage, benefits, or costs for the new year will begin on January 1.

Between January 1–February 14

If you’re in a Medicare Advantage Plan (like an HMO or PPO), you can leave your plan and switch to Original Medicare. If you switch to Original Medicare during this period, you will have until February 14 to also join a Medicare Prescription Drug Plan to add drug coverage. Your coverage will begin the first day of the month after the plan gets your enrollment form.

When to buy a Medicare Supplement policy

The best time to buy a Medigap policy is during your Medicare Supplement Open Enrollment Period, which is the six-month period that begins on the first day of the month in which you turn 65 or older and have enrolled in Part B.  (Some state have additional Open Enrollment Periods.) After this enrollment period, you may not be able to buy a Medigap policy. If you are able to buy one, it may cost more.

If you delay in Part B because you have group health coverage based on you (or your spouse’s) current employment, you Medigap Open Enrollment Period won’t start until you sign up for Part B.

If need have questions about enrollment please give us a call. We’re here to help.

 

This information comes from www.medicare.gov

By contacting the phone number on this website you will be directed to a licensed agent.

To get general or claims specific Medicare information and important telephone numbers. If you need help in a language other than English or Spanish, say “Agent” to talk to a customer service representative.
1 800 633 4227
TTY 1 877 486 2048
www.medicare.gov

State Health Insurance Assistance Program (SHIP)
To get free personalized Medicare counseling on decisions about coverage; help with claims, billing, or appeals; and information on programs for people with limited income and resources.
Call 1 800 MEDICARE to get the telephone numbers of SHIPs in other states.

Social Security
To get a replacement Medicare card; change your address or name; get information about Part A and/or Part B eligibility, entitlement, and enrollment; apply for Extra Help with Medicare prescription drug costs; ask questions about premiums; and report a death.
1 800 772 1213
TTY 1 800 325 0778
www.socialsecurity.gov

Coordination of Benefits Contractor
To get information on whether Medicare or your other insurance pays first and to report changes in your insurance information.
1 800 999 1118
TTY 1 800 318 8782

Department of Defense
To get information about TRICARE for Life and the TRICARE Pharmacy Program.
1 866 773 0404 (TFL)
TTY 1 866 773 0405
1 877 363 1303 (Pharmacy)
TTY 1 877 540 6261
www.tricare.mil/mybenefit

Department of Health and Human Services
Office of Inspector General—If you suspect Medicare fraud.
1 800 447 8477
TTY 1 800 377 4950
www.stopmedicarefraud.gov

Office for Civil Rights
If you think you were discriminated against or if your health information privacy rights were violated.
1 800 368 1019
TTY 1 800 537 7697
www.hhs.gov/ocr

Department of Veterans Affairs
If you’re a veteran or have served in the U.S. military.
1 800 827 1000
TTY 1 800 829 4833
www.va.gov

Office of Personnel Management
To get information about the Federal Employee Health Benefits Program for current and retired Federal employees. 1 888 767 6738
TTY 1 800 878 5707
www.opm.gov/insure

Railroad Retirement Board (RRB)
If you have benefits from the RRB, call them to change your address or name, check eligibility, enroll in Medicare, replace your Medicare card, and report a death.
Local RRB office or 1 877 772 5772

Quality Improvement Organization (QIO)
To ask questions or report complaints about the quality of care for a Medicare covered service or if you think your service is ending too soon. Call 1 800 MEDICARE to get the telephone number for your QIO.

Medicare is a health insurance program for:

  • people age 65 or older,
  • people under age 65 with certain disabilities, and
  • people of all ages with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant).

Medicare has:

Part A Hospital Insurance – Most people don’t pay a premium for Part A because they or a spouse already paid for it through their payroll taxes while working. Medicare Part A (Hospital Insurance) helps cover inpatient care in hospitals, including critical access hospitals, and skilled nursing facilities (not custodial or long-term care). It also helps cover hospice care and some home health care. Beneficiaries must meet certain conditions to get these benefits.

Part B Medical Insurance – Most people pay a monthly premium for Part B. Medicare Part B (Medical Insurance) helps cover doctors’ services and outpatient care. It also covers some other medical services that Part A doesn’t cover, such as some of the services of physical and occupational therapists, and some home health care. Part B helps pay for these covered services and supplies when they are medically necessary.

Prescription Drug Coverage – Most people will pay a monthly premium for this coverage. Starting January 1, 2006, new Medicare prescription drug coverage will be available to everyone with Medicare. Everyone with Medicare can get this coverage that may help lower prescription drug costs and help protect against higher costs in the future. Medicare Prescription Drug Coverage is insurance. Private companies provide the coverage. Beneficiaries choose the drug plan and pay a monthly premium. Like other insurance, if a beneficiary decides not to enroll in a drug plan when they are first eligible, they may pay a penalty if they choose to join later.

This information comes from www.cms.gov

By contacting the phone number on this website you will be directed to a licensed agent.

Medicare Advantage Plans, sometimes called Part C, are health plan options that are part of the Medicare program. If you join one of these plans, you generally get all your Medicare-covered health care through the Medicare Advantage Plan. This coverage can include prescription drug coverage. Medicare Advantage Plans include:

  • Medicare Health Maintenance Organization (HMOs)
  • Preferred Provider Organizations (PPO)
  • Private Fee-for-Service Plans
  • Medicare Special Needs Plans

When you join a Medicare Advantage Plan, you use the health insurance card that you get from the plan for your health care. In most of these plans, there generally are extra benefits and lower co-payments than in the Original Medicare Plan. Most Medicare Advantage Plans are managed care plans, usually a health maintenance organization (HMO) or a preferred provider organization (PPO) and you may have to see doctors that belong to the plan or go to certain hospitals to get services.

To join a Medicare Advantage Plan, you must have Medicare Part A and Part B. You will have to pay your monthly Medicare Part B premium to Medicare. In addition, you may have to pay a monthly premium to your Medicare Advantage Plan for the extra benefits that they offer.

If you join a Medicare Advantage Plan, your Medicare Supplement plan won’t work. This means it won’t pay any deductibles, copayments, or other cost-sharing under your Medicare Health Plan. Therefore, you may want to drop your Medicare Supplement plan if you join a Medicare Advantage Plan. However, you have a legal right to keep the Medigap policy.

When can I enroll?

Keep in mind that Medicare limits when you can join, switch, or drop a Medicare Advantage Plan. You can join a plan when you first become eligible for Medicare. This is anytime beginning three months before the month you turn 65 and ends three months after the month you turned 65.

For example, if you turn 65 on May 5, your eligibility period starts on February 1 and ends on August 31.

If you are disabled and have Social Security Disability Insurance, you can join an advantage plan three months before to three months after month 25 of your disability.

You can switch or drop your Medicare Advantage Plan during an enrollment period between October 15 and December 7 of each year.

This information obtained from www.medicare.gov

By contacting the phone number on this website you will be directed to a licensed agent.

Missouri residents have a rather unique “Open Enrollment” or “Guaranteed Issue” opportunity known as the Missouri Medicare Supplement Anniversary Guaranteed Issue Period.  How does this guaranteed issue period work?  Once a Missouri Medicare beneficiary has one of the standardized Medicare Supplement policies in place, each year based on the original issue date of their current policy, the beneficiary can switch from a like plan to a like plan without having to answer any medical questions. An insurance company cannot refuse to sell the Medicare beneficiary a like policy based on age, preexisting conditions, medical expenses, etc. This guaranteed issue period is a great opportunity for Medicare beneficiaries living in Missouri to shop and compare premiums among the different insurance companies that offer Medicare Supplement Plans and change insurance companies if a company offers the same plan for a lower premium amount.

When is the Missouri Medicare Supplement Anniversary Guaranteed Issue Period?

The Missouri Medicare Supplement Anniversary Guaranteed Issue Period begins 30 days before the issue date of the Medicare beneficiary’s current Medicare Supplement policy until 30 days after that issue date. By using this provision when a Missouri Medicare beneficiary gets a price increase from their insurance company they may be able to find the same plan at a lower price, and not have to worry about being medically underwritten to make the switch.

Which Plan Can I Purchase During the Missouri Medicare Supplement Anniversary Guaranteed Issue Period?

There are restrictions regarding Medicare Supplement Plan purchases during the Missouri Medicare Supplement Anniversary Guaranteed Issue Period.  Specifically, the Medicare beneficiary can only purchase the same plan that they currently have from another insurance company to avoid underwriting, or have guaranteed issue rights.  For example, if the Medicare beneficiary has a Plan F then during the Anniversary Guaranteed Issue Period, he or she can only purchase a Plan F from another insurance company.  If the Medicare Beneficiary has a Plan G, then the Medicare Beneficiary can only purchase a Plan G to be able to take advantage of the Medicare Supplement Anniversary Guaranteed Issue Period.

What if I Want a Different Medicare Supplement Plan?

The Missouri Medicare Supplement Anniversary Guaranteed Issue Period allows a Medicare Beneficiary the opportunity to purchase the same Medicare Supplement Plan that he or she already has in force and avoid underwriting.  Medicare Supplement plans can be written at any time during the year but unless a specific circumstance allows a guaranteed issue period, then the Medicare beneficiary will have to answer health questions and go through underwriting, which means he or she could be denied based on health conditions.  Therefore, if the Medicare beneficiary wishes to purchase a different Medicare Supplement Plan, such as changing from a Plan C to a Plan F, then even if the application is completed during the Missouri Medicare Supplement Anniversary Guaranteed Issue the Medicare beneficiary will have to go through underwriting. 

The Missouri Medicare Supplement Anniversary Guaranteed Issue Period does not affect any other guaranteed issue periods in which the Medicare beneficiary is entitled. 

Additionally, the Missouri Medicare Supplement Anniversary Guaranteed Issue Period applies only to Medicare Supplement Plans and has no effect on original Medicare or other Medicare insurance, such as Medicare Advantage Plans or Prescription Drug Plans

Missouri’s Medicare Supplement Anniversary Guaranteed Issue Period is a great opportunity to save money on your Medicare Supplement Plan

The Missouri Medicare Supplement Anniversary Guaranteed Issue Period is a great opportunity for Medicare beneficiaries to shop and compare and change their current plan to a different insurance company with a lower premium for the exact same coverage. 

A Medicare Supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles.

If you have Original Medicare and you buy a Medicare Supplement plan, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Your Medigap policy pays its share.

A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.

What you need to know about Medicare Supplement policies

  1. You must have Medicare Part A and Part B.
  2. If you have a Medicare Advantage Plan, you can apply for a Medicare Supplment insurance policy, but make sure you can leave the Medicare Advantage Plan before your Medicare Supplement insurance policy begins.
  3. You pay the private insurance company a monthly premium for your Medicare Supplment insurance policy in addition to the monthly Part B premium that you pay to Medicare.
  4. You can buy a Medicare Supplment insurance policy from any insurance company that’s licensed in your state to sell one.
  5. Any standardized Medicare Supplment insurance policy is guaranteed renewable even if you have health problems. This means the insurance company can’t cancel your Medicare Supplment insurance policy as long as you pay the premium.
  6. Medicare Supplment insurance policies sold after January 1, 2006 aren’t allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D).
  7. It’s illegal for anyone to sell you a Medicare Supplemnt policy if you have a Medicare Medical Savings Account (MSA) Plan.

Information obtained from www.medicare.gov

By contacting the phone number on this website you will be directed to a licensed agent.

Aetna
AARP Medicare Plans
BlueCross BlueShield of Kansas City
Cigna
Coventry Health Care
Delta Dental
Humana
Medico
Mutual of Omaha
SilverScript
The Manhattan Life Insurance Company
Transamerica
United HealthCare

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So Easy and So Stress Free

We can't thank you enough for all of your help. I was stressing about this whole Medicare deal, but you made it so easy and so stress free!! We are so thrilled that you are handling all of our insurance policies....you are stuck with us now for life!! It's such a great feeling knowing we can always call or come visit with you. We will definitely be referring our friends to you!!


Margie W. - Kansas City

Brian Rauber - Love is Our Policy
2017-08-01T16:33:43+00:00

Margie W. - Kansas City

We can't thank you enough for all of your help. I was stressing about this whole Medicare deal, but you made it so easy and so stress free!! We are so thrilled that you are handling all of our insurance policies....you are stuck with us now for life!! It's such a great feeling knowing we can always call or come visit with you. We will definitely be referring our friends to you!!

Sort Through Healthcare Marketplace

Thank you for helping me sort through the healthcare Marketplace. I was so confused but now feel good about my choice. We will continue to do business in the future.


Debbie K. - Kansas City

Brian Rauber - Love is Our Policy
2017-09-20T14:07:44+00:00

Debbie K. - Kansas City

Thank you for helping me sort through the healthcare Marketplace. I was so confused but now feel good about my choice. We will continue to do business in the future.

Polished, Professional, Personable

Brian is polished, professional, personable, informative, reliable and accessible. Everything an insurance agent should be.


Libby O. - Overland Park

Brian Rauber - Love is Our Policy
2017-09-20T14:06:31+00:00

Libby O. - Overland Park

Brian is polished, professional, personable, informative, reliable and accessible. Everything an insurance agent should be.

Latest Blog

New Medicare Cards in the Mail

We know: You’re inundated with info about Medicare and Medicare supplement options. Open enrollment makes fall feel like an election year – every year – with the amount of junk mail stuffed in your box. But soon you’ll receive one piece of mail...

March 16, 2018

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