Senior Medicare Supplements
HMO’s

Finally relief! Once you reach age 65 Uncle Sam subsidizes most of your health insurance premium. You receive Medicare A for free and that covers your hospitalization. Medicare B is around $45.50 a month and it is deducted from your Social Security check. Medicare B is for your doctor visits. However there are a lot of gaps in coverage. To fill in those gaps one should purchase a Medicare Supplement plan or sign up with an HMO. Medicare Supplement plans will work with any doctors anywhere. But there is an additional cost from $70 a month to $200 a month depending on the plan you choose.

HMO’s are another option you can choose. The cost is your $45.50 that they deduct from your Social Security check. With an HMO you have low copays for office visits usually around $5 to $10 and unlimited generic prescription drugs. If your hospitalized it is covered at 100% with no copay or deductible. You must choose a Primary Care Physician. You always go to him or her unless there is an emergency. Needless to say most seniors choose the HMO option. Of course there are a lot of health insurance companies to choose from. Let us assist you by calling 1-888-627-0968.