Gold Camp Insurance
Easter is coming; amidst the candy and eggs let's rejoice at its meaning
Health Insurance in the Gold Camp
Obamacare is still here and what a disaster! If you have visited the 'marketplace' and made it to the end, you learned your premium will be $600 to $700 a month and the deductible is $6800 a person. It sounds nice to say no one will be excluded because of pre-existing conditions; maternity coverage for everyone, even men! And for the ladies, prostate surgery is covered! There's more --
Kids are insured until age 26, unlimited maximum coverage and mental health coverage which after you see the premium you will need. If you don't buy it, the IRS adds an extra tax which is now almost a thousand dollars each year. There are still ways to protect against major healthcare bills.
I'm pleased to have contracts to serve as an agent for United Healthcare, Humana, Mutual of Omaha, ICH, HCC, Assurant and other fine companies. Many times, just starting with a short term health care policy is surprisingly affordable; much less of a surprise than receiving a hospital bill at the end of an uninsured visit.
If you are currently uninsured, you are a bigger gambler than most who visit our casinos.
Let's talk about coverage you can afford that will keep you from filing for bankruptcy. And yes, Mutual of Omaha offers the best supplement that will pay every penny that Medicare won't pay (and that's considerable)
For those of you on Medicare, you may assume that you are 'fully' covered. Beware, take a look at what you pay in addition to your Medicare Premium.
Medicare 2016 costs at a glance
Part B premium Most people pay $104.90 each month.
Part B deductible $166 per year. (You pay this $166) and then you pay 20% of all doctor and laboratory test charges!
Part A premium It's FREE. But does it pay all costs?But -But will it pay all hospital costs????- NO WAY
Part A hospital inpatient deductible
$1,260 deductible for each benefit period
Days 1-60: $0 coinsurance for each benefit period
Days 61-90: $315 coinsurance per day of each benefit period
Days 91 and beyond: $630 coinsurance per each "lifetime reserve day" after day 90 for each benefit period (up to 60 days over your lifetime)
Beyond lifetime reserve days: you pay all costs
The answer - a Medicare Supplement that pays it all!