Medicare allows you to choose the way you receive your benefits. Newly eligible seniors are enrolled automatically in the Original Medicare Plan, which is the traditional payment-per-service arrangement. If you want to stay with the Original Medicare Plan, you don't have to do anything. The basic benefits of this plan are described below.
Starting in 1999, Medicare offers more ways to receive your benefits through other health plan choices. Choices that may be available in your area include Medicare Managed Care Plans, such as Health Maintenance Organizations, Preferred Provider Organizations, or Provider Sponsored Organizations. In addition, Private Fee-For-Service Plans and Medicare Medical Savings Account Plans may be available in your area. One of the new health plan choices might be right for you. The choice is yours. No matter what you decide, you are still in the Medicare program.
Your copy of Medicare & You will explain the Original Medicare Plan and other Medicare health plans in detail. It also will explain how to enroll in other health plan options, if you are interested. If you don't have a computer, your local public library or senior center may be able to help you find this information.
All Medicare health plans must provide at least the basic Medicare covered services.
Medicare is a federal health insurance program for people age 65 and older, people of any age with permanent kidney failure, and certain disabled people under age 65. Medicare is managed by the Health Care Financing Administration, which is part of the Department of Health and Human Services. This article summarizes Medicare covered services.
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With the holidays just around the corner, it’s time to start thinking of gifts to give your friends and loved ones. Finding unique gifts can present a challenge, and most people never consider giving pet-related gifts. Since the chances are good that more than one person on your holiday gift list has a pet that he or she adores, why not give a distinctive gift that your recipient will treasure? Here are five great gift ideas to get you started:
Fine Art Animal Prints
Dogs may come in many shapes and sizes, but each has a personality all its own. One of the most delightful gifts you can give to a pet lover is a fine art print of his or her breed. One of the most notable artists offering fine art animal prints is Lorena Pugh. Her print, “Princess,” for example, depicts a white toy poodle laying atop a stack of twelve colorful pillows, while “Angel Face” showcases a gorgeous pug who has just snagged a cluster of grapes off of a dining room table.
Crystal Animal Statues
Whether your gift recipient has a dog, cat, horse, or rabbit, he or she is sure to enjoy an elegant crystal animal statue. Typically made from 24 percent lead crystal, hand-finished animal statues are beautiful yet whimsical. Crystal animal statues can depict a wide variety of pets, from a sitting cat to a dog with a bone; from a turtle to a frog; from a horse to a mouse; and from a duck to a dove.
Stone Animal Statues
Who wouldn’t love a playful stone animal statue depicting their beloved pet? Animal garden statues are perfect gifts, as are stone animal statues for the home and office. While some statues – like a sleeping spaniel puppy or an eager dachshund – make you feel warm inside, others – like a cat holding a pair of binoculars up to his eyes, ever watchful for a bird – make you chuckle. Stone animal statues are available for virtually any type of pet, and are certain to be cherished.
If you’ve ever owned a pet, you know how funny they can be. Animal posters depict pets in a variety of outlandish situations (remember the cat in “Hang in There”?), and are eminently affordable. An animal poster is sure to bring a smile to your recipient’s face.
All of us at Columbia River Insurance Services would like to wish you and your family a happy and safe Thanksgiving.
A healthy body is a happy body, and there’s no better way to preserve your health and your family’s health than with a health insurance policy from Columbia River Insurance Services.
Let’s face it, medical treatments aren’t cheap. Without health insurance coverage you could end up paying off medical bills for the rest of your life. Columbia River Insurance Services can help you find an affordable healthcare plan that’s right for you. Contact one of our friendly agents today to learn more.
What are Health Insurance Exchanges?
Exchanges (also called "marketplaces") are online markets where consumers and small businesses can go to shop for health insurance. On these sites, they can compare the available plans and then purchase online. In many cases, consumers shopping on a public exchange may be eligible for subsidies to help make health insurance more affordable,.
In addition to the plans explained above, you may have other Medicare health plan choices available to you. To be eligible for these other health plan choices, you must:
Have both Part A (hospital insurance) and Part B (medical insurance).
Continue to pay the monthly Part B premium.
Live in the plan's service area (the counties in which the plan is offered).
Not have permanent kidney failure (End-Stage Renal Disease).
The following types of plans may be options for you:
Medicare Managed Care Plans
You may choose to get your Medicare coverage through a managed care plan. Medicare Managed Care Plans may include Health Maintenance Organizations (HMOs), HMOs with a Point-of-Service option (POS), Provider Sponsored Organizations (PSOs), and Preferred Provider Organizations (PPOs). These types of plans involve a specific group of doctors, hospitals and other providers who provide your care as a member of the plan.
Medicare Managed Care Plans
provide all services covered by both Part A and Part B. Most offer a variety of additional benefits, like preventive care, prescription drugs, dental care, hearing aids, eyeglasses and other items not covered by the Original Medicare Plan. Costs for these extra benefits vary among plans.
Let the Columbia River Insurance Services, help you understand and protect all of the risks you run and all of the perils your business faces. We will do this with a well thought out and executed business insurance policy designed just for our Medicare Insurance policy holders.
In addition to the Original Medicare Plan and Medicare Managed Care Plans, other Medicare health plan choices may be available in your area. These include Private Fee-for-Service Plans, Medicare Medical Savings Account (MSA) Plans, and Religious Fraternal Benefit Plans. These plans provide all services covered by both Part A and Part B. Some offer a variety of additional benefits.
For information about which ones are available in your area, look on the Internet at www.medicare.gov.