Health Insurance Marketplace PA

Address: 262 Tomkenn Road, Suite 100, Wynnewood, PA. 19096Phone (local) : 484.412.8730Phone (toll free) : 877.657.7477FAX : 877.434.3332

http://libertymedicare.com/

About UsLiberty Medicare is a full service, licensed independent insurance agency specializing in various Medicare plans for people above age 65 or on disability, Individual Health Insurance plans for people under the age of 65, and Long-Term Care plans. Our services are offered within the following six states: Delaware, Illinois, Maryland, New Jersey, Ohio, and Pennsylvania. Liberty Medicare is located in the suburbs of Philadelphia, PA.

Health Insurance Marketplace PA

262 Tomkenn Road, Suite 100, Wynnewood, PA. 19096 Phone (toll free): 877.657.7477

Understanding Medicare Basics

There are so many questions about Medicare! The material presented below will be helpful for understanding Medicare basics and answering Medicare questions.People age 65 or older.People under the age of 65 with certain disabilities.People of all ages with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant)

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Medicare PlanesMedicare Part A – Hospital Insurance:Medicare Part A is the Hospital Insurance portion of Original Medicare. Original Medicare allows you to use any doctor, specialist, or hospital that accepts Medicare. You do not need a referral. You are paying a separate amount for each service, also called fee for service.Hospice care servicesInpatient care in a skilled nursing facility, however, this doesn’t include custodial or long term care.

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Medicare Plane A Benefits

Medicare Part A coinsurance, plus 365 additional days after Medicare benefits end.The first 3 pints of blood.Hospice Care coinsurance/copayment.

Not IncludeForeign Travel Emergency – Medicare coverage

outside of the US.Part A Deductible: $1,184 per benefit period in

2013.



Medicare Plane CMedigap Plan C, also known as Medicare Supplement Plan C, is the second most comprehensive plan (after Medigap Plan F). It covers all Medicare ‘gaps’ with the exception of Medicare Part B Excess Charges.Not all Medicare Supplement insurance companies offer Plan C. Some companies offer only one of the two most comprehensive Medigap plans: Plan F or Plan C.



Plan C benefits include:

Hospital Costs: Medicare Part A coinsurance and 365 additional days after Medicare benefits end.Medical Expenses: Medicare Part B coinsurance (typically 20% of expenses that are Medicare approved) or copayment.Blood Coverage: The first 3 pints of blood per each calendar year.Foreign Travel Emergency (up to Plan Limit), consisting of Medicare coverage outside of the US.



Medicare Part A – Hospital InsuranceMedicare Part A is the Hospital Insurance portion of Original Medicare. Original Medicare allows you to use any doctor, specialist, or hospital that accepts Medicare. You do not need a referral. You are paying a separate amount for each service, also called fee for service.

Inpatient hospital care such as critical access hospitals, inpatient rehabilitation facilities, and long-term care hospitals.

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Medicare Part B – Medical Insurance

Medicare Part B is the Medical Insurance portion of Original Medicare. It is optional. Original Medicare allows you to use any doctor, specialist, or hospital that accepts Medicare. You do not need a referral. You are paying a separate amount for each service, also called fee for service. Part B only pays for services determined to be reasonable and necessary in the diagnosis and treatment of a specific illness or injury.

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Dental Insurance Plans & Their Coverage

Dental discounts plan is NOT a dental insurance. Rather, dental offices participating in the dental discount plan agree to charge substantially discounted prices for the majority of dental work. This approach has several advantages versus traditional dental insurance plans:

Medicare Under 65


Individual Supplemental Insurance Plans:

The Hospital Indemnity Plan is NOT a comprehensive major medical plan. These plans include benefits for hospital confinement and specified medical and surgical events. Such plan pays you the specified cash amount for each covered service, regardless of what the provider charges you. Cash benefits are paid directly to you and may be used for any purpose. Normally, there is no deductible with the Hospital Indemnity Plan.

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Planning for Long-Term Care (LTC)

LTC includes medical and non-medical care. Long-term medical care is chronic care with an aim is to control and maintain non life threatening ailments without an attempt to permanently cure them (opposite of acute care when a patient is treated in an attempt to be permanently cured). The long-term non-medical care is custodial care designed to assist with activities of daily living (ADL), such as bathing, grooming, eating, dressing and other similar activities, as well as with other less personal needs, such as preparing meals, shopping, housework, etc.



Planes By StateIllinois Maryland New Jersey Ohio Pennsylvania

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Address / Phone(s) / Fax

Address: 262 Tomkenn Road, Suite 100, Wynnewood, PA. 19096

Phone (local): 484.412.8730

Phone (toll free): 877.657.7477

FAX: 877.434.3332

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Health Insurance Marketplace PA

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