Registration Period of Blue cross blue shield advantage plan

Registration Period of Blue cross blue shield advantage plan

With respect to Medicare supplemental policies or Blue cross blue shield advantage plan policies, one of the most frequently asked questions is bordered around the best time to sign up for a Blue cross blue shield advantage plan policy. The best time to enroll in the Blue cross blue shield advantage plan policy is during the open enrollment period of Blue cross blue shield advantage plan. The open enrollment period is a period of 6months that begins on the first day of the month you enroll in Medicare Part B policy. As soon as you have chosen to sign up for Medicare Part B, keep in mind that this enrollment period starts with the condition that you are at least 65 years of age. Also, once you sign up for Part B, the registration period begins and cannot be canceled.

Some important points should be taken into account during the open enrollment period of Blue cross blue shield advantage plan registration. Insurance firms cannot make use the medical subscription during this period. The implication of this is that insurance companies are not allowed to charge you more for Blue cross blue shield advantage plan policies than they normally should because of any previous health conditions you may have. In addition, during the period of registration, insurance companies cannot force you to wait for insurance to begin; In addition, they cannot refuse to offer Blue cross blue shield advantage plan policies they have put up for sale.

Individuals should have an understanding of the benefit of the period of Blue cross blue shield advantage plan open enrollment and also the repercussions of not acting quickly before the period elapses. As stated above, during the enrollment period, insurance companies cannot use the medical underwriting. If after the expiration of the enrollment period, you choose to apply for a Medicare supplement policy, the insurance company in question can probably use the medical subscription to determine the price of the policy program. The company can also use the medical subscription to approve insurance in many cases.

It is noteworthy that the options provided will be very limited, even if the insurance is approved. However, there are some situations in which you can still be allowed to buy a Medicare supplement policy after the period of open enrollment has ended. For these circumstances, the program guarantees the issue rights which is also known as the “Blue cross blue shield advantage plan protections”.

The guaranteed issue rights come to play in situations where the health insurance policy varies in certain areas. For example, if you have union insurance that makes the payment after Medicare has paid and this insurance ends, the emission rights are guaranteed. A similar situation applies when a person enrolls in a Medicare SELECT policy and moves out of the policy service area. For these types of situations, insurance companies are obliged to sell you a Blue cross blue shield advantage plan policy that will insure all your pre-existing conditions. Keep in mind that the policies offered during such situations may be limited.  In order for you to enjoy continued insurance, it is recommended that you apply for a Blue cross blue shield advantage plan policy early enough or at least during the period in which the Blue cross blue shield advantage plan open enrollment is in effect. It is not advisable to wait until health insurance expires to request the appropriate Blue cross blue shield advantage plan policy.

Qualified For Additional Help with Medicare Part D Costs

Qualified For Additional Help with Medicare Part D Costs

If you are one of the many beneficiaries of prescription drugs, know that even if you have Medicare Part D prescription drugs, the costs for which you are generally responsible are still missing. The costs of prescription drugs, such as late payments, co insurance and deductibles, can increase dramatically, depending on how often you take your medications and whether they generic drugs or brand name. If you enter the insurance gap for Medicare Part D (or “period without insurance”), your costs may be much higher.  The Medicare Extra Help Program provides financial support to beneficiaries with limited income. Here is a general description of how it works and how to apply.

What is the additional utility of Medicare Part D?

The Medicare Extra Help program (or the low-income program) is for people who need financial help to cover Medicare Part D. Prescription drug insurance is available through a Medicare prescription drug policy (that works with Original Medicare) or a Medicare Advantage Prescription Drug Policy (if you have Medicare Part C). The both types of policies are available at private insurance companies recognized by Medicare. If you qualify for the Medicare extra help program, the amount of support depends on your income and financial resources. The program limits the costs you pay for covered generic and brand drugs. In 2018, participants who receive Extra Help will not pay more than $ 3.35 for each generic drug and $ 8.35 for each brand-name drug. Also, depending on your income and wealth, you can receive Medicare Part D deductibles and premiums.

Who qualifies for the Extra Help for Medicare Part D?

Eligibility for Medicare Part D additional assistance depends on your income and assets, and the limits are altered annually. You may be eligible for Medicare Extra Help if:  Individual: your annual income is no more than $ 18,090 and the value of your assets is below $ 13,820.  Couple: your total income is below $ 24,360 and the value of your assets is below $ 27,600.

When you count your resources to determine eligibility for extra help, Medicare includes items like:

  • Stocks and bonds
  • Bank accounts
  • Real estate beyond your primary residence
  • Stocks and bonds

Medicare does not consider the following resources when it comes to qualification:

  • Your house
  • Your vehicle
  • Funeral policy and up to $ 1,500 for funeral expenses if you provide money for this purpose
  • Personal or household items
  • Piece of furniture

If you have Medicare, you can automatically qualify for extra help and also: Get full Medicaid insurance (that is, you are entitled to the full range of Medicaid benefits).  Enrolled in a Medicare savings program that pays your Part B premium.  Get SSI benefits.  Even if you qualify automatically this year, you may not be able to change next year if your income or resources change, or if the Extra Help program adjusts your eligibility limits. If this is the case, you will receive a message by mail on gray paper by the end of September. Even if you receive this, you can still qualify, but you must reapply.

Different medical savings account with Medicare

It is highly important that we plan for our future medical expenses. This will help us to get the desired benefit when we are actually facing a health problem. Medicare will be taking care of a large number of expenses which are incurred during the healthcare issue. One can select the right part of the Medicare Supplement Plan whose benefits are satisfying maximum requirements.

Even additional coverage is provided by the 2020 Medicare Supplement Plans. It will help in ensuring that the additional costs incurred for the healthcare are covered. Still, there will be few of the costs which will not be incurred by Medicare. In that case, one needs to be ready for the extra costs which they would be required to pay for the healthcare benefits which they are getting.

Medical Savings Account with Medicare

It is dependent on your employment or your spouse’s employment regarding your eligibility for SEP. This will help in determining whether you will be able to enrol for the Medicare Supplement Plan even after the initial enrolment period. Many people are also having a Health Savings Account (HSA) which is with a High Deductible Health Plan (HDHP). Even this is dependent on the employment of the spouse which will determine whether you are eligible for the SEP.

In order to avoid any kind of penalty, you can likely stop contributing towards the HSA. One should ensure that this is done at least 6 months before the application done for Medicare. It is also possible that money can be withdrawn by you from the HSA which can help you to pay your expenses. Normally these expenses include deductibles, premiums, coinsurance or even the copayments.

There are many individuals who like to even continue the benefits which they were getting through HSA. It is also now possible to get a similar benefit structure once you have enrolled for the Medicare. Under that condition, Medicare Advantage Medical Savings Account will be the best option. You can even get the desired benefits which you like by enrolling in those plans. Even the enrolment in those plans is simpler in nature.


Thus, we can say that many people have enrolled for the Medical Savings Account. Normally they have to discontinue them after they enrol for the Medicare. They will get all the money which they have invested over a gradual period of time. Later, you can even enroll for the similar plan which is available in the Medicare Advantage Medical Savings Account.

Doing an online application to enrol for only Medicare

It is important for every individual to have healthcare benefits. This will help them to ensure that they get the desired financial benefits when their need arises. One can, therefore, remain to rest assured about the medical needs which they might have in their future. A number of different insurance plans are available which one can select based on their own individual needs.

You can apply for Medicare Supplement Plans when your age reaches 65. There are a complete process and timeframe which one needs to follow to enrol for the Medicare. Even there are different penalties available if you enrol for a specific plan late. Medicare will greatly help you to cover all the cost which you might incur during your healthcare. It will make you not worry about the cost which you might incur.

Applying online for the enrollment of Medicare

It is always advisable to apply for the 2020 Medicare Supplement Plan at the earliest stage. One can do that even when they are not ready to retire. This will help them to be a part of the Medicare Supplement Plan at an early stage. By doing this they can also receive the respective benefit earlier than the other people who are also a part of this coverage.

There is a provision to apply for the Medicare online. It can be done by simply filling up a form available online. The form will ask for various details which they require to have you enrolled. This form is quite simple in nature and will hardly take your 10 minutes. Once you have submitted the form you won’t be required to submit additional details unless you are asked for that.

After submitting the application, Social Security will be reviewing your application. If more information is required then they will be contacting you else will send you the Medicare card via your email. Medicare is managed by Centres for Medicare and Medicaid Systems. Enrolling yourself will give you a benefit of getting the desired financial benefits for the healthcare which you require. You can also enrol for the additional coverage based on your own requirement.


Thus, we can say that one can apply for the Medicare benefits by submitting an electronic application. It will reduce your burden of giving all the details to them physically. Even it will help you to save your time which you can give to other important tasks. All the process will also be completed quite rapidly while sending you the Medicare card in your mail after processing.

Will Medicare pays first if I have declined my employer offered coverage?

Many different kinds of Medicare coverage’s are available for treating different diseases or health issues. It will help in reducing the financial burden from the individual. Each of the employers is also provided with Medicare Supplement Plans based on their organizational requirement. Normally they are taken in a group for all the people who are working in the organization.

These insurances are intended to provide the coverage not only to the individual but also to their family members. This makes the Medicare Supplement Plans quite popular and hence many organizations opt for them. The kind of plan which they have received depends on the kind of organization and the number of employees which it is having. Even the benefits will be provided to them accordingly.

Enroll for 2019 at for great plans

When you have not taken the group health plan coverage then Medicare will be acting as the primary payer. This will hold unless there are following conditions present.

  1. Your spouse is having coverage which is including you.
  2. The organization where your spouse works are having at least 20 employees.

Under the conditions discussed here, your Medicare Supplement plan will be acting as a secondary payer. In case if you are not taking the employer coverage plan while you were first offered, then you might not get a chance to join it later. Even if you take the coverage but drop the plan then also you will not be eligible to subscribe to the plan. There are also chances that you might be denied to be provided the coverage under below-mentioned conditions.

  1. Either your employer or the one of your spouse is offering retiree coverage.
  2. While working you and your spouse wasn’t enrolled in the plan.

If both of the conditions mentioned above are satisfied then there are likely chances that you might be denied to be provided with coverage. One should have a clear knowledge about the terms and conditions associated with the Medicare to ensure that they don’t suffer a loss in the future. They can then enjoy the maximum benefits by taking the respective Medicare coverage plan.


Thus, we can say that once you have declined your employee offered coverage, you can’t get it back. In that case, your Medicare Supplement plan will be acting as the primary payer unless few conditions which are discussed. There are chances that your spouse is having Medicare coverage in an organization having more than 20 employees. When this happens your Medicare will be acting as a secondary payer.

Things which should be taken care while enrolling for Medicare

Having insurance is always advantageous as it will cover most of the health care costs incurred. Few things are required to be analyzed before applying for the Medicare supplement plans. People are normally opting for Medicare when they are about to turn 65 or is likely preparing to retire. During this time there is a need to take a proper decision about your healthcare coverage.

When you enrol for the Medicare there are likely chances that you might face with a penalty or you might be having a gap in the coverage. It is completely dependent on your past decisions about Medicare and several other factors. One should, therefore, be ready to even face these situations when they are going to opt for the Medicare coverage.

Opting for the Medicare Supplement Plans

There are a few of the steps which one should follow in order to be ready for getting the maximum benefits out of Medicare. We have discussed each of these steps here in brief.

  1. Get to know about different parts of the Medicare. Medicare Part A is covering patient stays in the hospital which is having a skilled nursing facility and more. If you are trying to opt for the Medicare Part B then it will be covering down certain doctor services, outpatient care, supplies of medical facilities and many more.
  2. The second step would involve identifying the time period when you can enrol for Medicare. One can’t enrol for Medicare at any possible time. Some of the individuals get enrolled automatically, while others would need to apply for the same. The time period when you are initially enrolling for the Medicare is called Initial Enrolment Period. This period would normally begin 3 months before you turn 65 and also includes the month when you are turning 65. It will end three months after you turn to 65.
  3. Now decide whether you want to enrol for the Part A or Part B. Many of the people are enrolling for Part A even if they are having health insurance from the employer.
  4. Select the kind of coverage which you want for your health care benefits and then signup for the Medicare benefits unless you have it automatically.

Find a supplement plan at for 2019.

Thus, we can say that there are a few of the steps which one should follow to have the best selection of the Medicare supplement plan. It will be useful to you when you require healthcare treatment. Many of your healthcare costs incurred will be covered by the Medicare benefits which are provided.

What Is The Delay Enrollment Fee?

For Medicare Part B which is not always automatic, each year you do not enroll in Part B after you are qualified, 10 percent will be added to your monthly premium if you do so. This is intended to discourage older people from delaying admission until they become ill.

The penalty for Part D is calculated by multiplying 1% of the national Basic Reward Premium by the number of complete months for which a beneficiary was qualified for the coverage but did not register. In addition, you can be fined if you go 63 days or more without having a Medicare prescription drug plan or other eligible insurance (for example, from a previous employer).

What is the Medicare donut hole?

A Medicare coverage gap (often referred to as “donut hole”) refers to the way in which Medicare drug benefits account for 100% of drug costs after their medicines add up at a certain price, but only nominally (5%) costs after catastrophic expenses.

However, beneficiaries will receive a 50% discount from the manufacturer for covered branded medicines, though the complete price for the catastrophic limit will be considered and 14% for generic medicines.

Under the Affordable Care and Patient Protection Act of 2010, the system will close slowly before it is effectively phased out in 2020.

Will Medicare cover for Preventive Care?

As a result of the growing appreciation for preventive medicine, Medicare covers many aspects of prevention, including:

  • An annual cardiovascular screening.
  • An annual physical exam including a Welcome to Medicare visit during the first 12 months.
  • Two fasting blood sugar studies (diabetes studies).
  • A screening colonoscopy for all individuals who qualify, usually once in 10 years, or if you are at high risk, once in 2 years. Participants above the age of 50 are allowed to take a fecal occult blood test every 12 months, and flexible sigmoidoscopy every 4 years.
  • Annual mammograms for women above 40. The plan also pays a baseline mammogram for women with Medicare between 35 and 39 years).

Look in the direction of a Medicare Advantage plan or supplement plan at

While Medigap plan coverage a specific set of benefits or costs that are not covered by Medicare, Advantage policies take a broader approach. The plans all offer the same benefits, including additional services such as dental and visual presentations, listening exercises, wellness programs, annual exams, etc. Many Advantage plans are even cover prescription drugs.

A Medicare Advantage Plan may in addition offer additional services such as vision, dentistry, and/or health and wellness programs. And most Advantage policies also include Medicare prescription drug coverage.

When a person joins a Medicare Advantage Plan, each month Medicare pays a fixed amount of care to the companies offering these plans. Such companies must follow strict rules set by Medicare.

However, each of the Medicare Advantage plans may charge different external costs, and the plans may also have different rules on how subscribers can receive their services. Take for instance, some plans may require participants to receive a referral before visiting a specialist.

Essential Vitamins for Feeling Your Best

Is your diet supplying you with all the necessary vitamins you need to be feeling your best? If your diet tends to consist of value meals and large, sugary drinks, chances are you’re missing out on vital nutrients you need to stay feeling great all day. Rather than tapping into your Medicare advantage plan for another doctor visit, put that money towards these essential vitamins.

Vitamin D

Vitamin D helps your body absorb calcium and is extra important for seniors as a deficiency can lead to osteoporosis. A great way to get Vitamin D is to get outside and spend time in the sunlight! Besides absorbing it through your skin, you can eat fatty fish, eggs, and liver.

Vitamin A

Vitamin A is an antioxidant that helps your vision and your immune system. Be sure to eat colorful fruits and vegetables, and drink your milk in order to keep these vitamin levels in check.

Vitamin C

Another antioxidant, this vitamin is essential for your skin and bone health, and helps your body absorb iron. Although we’ve all been told to drink our milk for Vitamin C, you can also get it from citrus, broccoli, and green peppers.

The B Vitamins

These vitamins are important because they help your body produce energy from what you eat and a lack of them can lead to anemia. In order to keep your body running in top shape, get your B Vitamins from meat, eggs, and fish proteins, leafy greens, and dairy products. Folic Acid is another B Vitamin that is sometimes overlooked. It’s role is to help the body make new, healthy cells, so you don’t want to skimp on this one.

Vitamin K

This vitamin is responsible for making proteins for blood clotting and for maintaining healthy bones. You may notice that a small cut results in an abnormally large amount of bleeding if you’re deficient in Vitamin K. To keep these levels adequate, make sure you’re eating dark berries and green vegetables. But be careful of your Vitamin K intake if you’re on blood thinners.


Take extra care to consider your daily diet and exercise habits. You can choose to supplement all of these vitamins with pills from your local grocery store or pharmacy, and be sure to consult your doctor before you do. But achieving healthy levels of many of these vitamins can be done simply by eating the right meats, fruits, and vegetables.

Don’t Let Debt Rule Your Retirement

When you’re doing everything you can to make the most of your retirement, it’s easy to get caught up in the convenience of having a little extra spending power at your fingertips. Fancy vacations, nice gifts for the family, expanding the house, or finally getting that nice boat or new Porsche you’ve always wanted- it’s all too easy to throw them on the credit cards or take out a small loan to cover the costs. Here are some tips to stay responsible and make sure the spending doesn’t get out of hand.

Interest rates

Having the convenience of credit is fantastic, but gone unchecked for too long and your interest rate could end up costing you way more than you ever intended to spend. Take extra time to find credit cards that are the right fit for you, much like finding the right Medicare supplement plans.

With the money saved focus on your health insurance coverage.  Save money by getting a quote at

The most important thing to consider is a low interest rate. If you plan on being super responsible and paying them off each month, then the interest rate isn’t really an issue. If that’s not the case, however, a high interest rate can wreak havoc on your bank account if you allow your credit card balance to pile up. Some consider compound interest to be the 8th wonder of the world, but it can make you rich or make you poor. It doesn’t discriminate.


The next thing to look for are cards that offer you some sort of reward for using them. Who doesn’t love rewards? Rewards could be in the form of cash back from purchases, or points that accumulate and eventually earn you special perks towards things you like. You might find one that saves you money each time you fill up at the gas station, or perhaps you love to travel and want to earn nights or entire stays at the nicest hotels wherever you go. Some can earn you gift certificates to your favorite retail stores or restaurants.


Regardless of your interests, what’s important is to make sure your credit cards are actually working for you each time you use them and aren’t just a placeholder for charging you interest on your biggest purchases. You want to use them to your advantage and keep the balances under control. If you do it right, you can spend less time worrying about debt and more time enjoying retirement with your loved ones.



The front coverage area of all the companies is the same which is also controlled by the lows of federal and state lows. However, one needs to compare all the Medicare Supplement Plans since the costs vary by the providers. So it is important to understand the structure of a policy before buy it. Along with that one needs to understand even about his/her own physical condition properly so that he/she can go for the best Medicare Supplement plan.


As original Medicare supplement Plans 2019 are located at not cover all health care costs, most beneficiaries choose to supplement Medicare benefits with a private health plan that works with Medicare – either a Medicare Supplement Plan, also called ‘Medigap’, or a Medicare Advantage Plan. Medicare supplement plans help pay the bills Medicare does not, and provide you with protection from the ever-increasing gaps in Medicare. To qualify for a supplemental Medicare plan you must have part A and B medical coverage. Acceptance of your application is guaranteed if you are 65 or older and apply within six (6) months of your initial enrollment in Plan B of Medicare. Under certain circumstances pre-existing conditions might be waived.


Medicare Advantage Plans (Medicare Part C) are plans that are approved by Medicare run by private companies. Some plans are at no cost and provide extra benefits that are not included by Medicare. You are able to make changes to your insurance during this time.


Some plans may also include a prescription drug plan, (Part D). As a result, members not only get quality health care coverage without the expense of high plan premiums or deductibles, they have virtually no paperwork to contend with. And at the same time, they still enjoy more health care benefits and services than original Medicare offers for little or no additional cost.


If you need to understand senior health insurance, it is very important to understand the difference between Medicare supplements and Medicare Advantage plans. The plans are both open to people who receive US Medicare benefits through Part A and Part B which are considered the “original plan”. Most retired Americans qualify for coverage, though most qualified beneficiaries do pay a Part B premium to help underwrite the costs of some of the coverage. The plans are largely funded by taxes. This is because Part A and Part B of the original Medicare plan cover a lot of basic health costs.