plan n

1. PLAN MEDICARE WE MAKE MEDICARE EASY

2. About Us • Located in New York, Plan Medicare was founded to help people understand the many facets of Medicare. • With so much constantly changing in the healthcare industry we understand that it can be intimidating and confusing when it comes time to choose a Medicare package. • Our team is educated on the most current plans and policies of nearly every major carrier, and as independent agents, our only obligation is to our client: making sure that we choose the right plan for your specific needs. • At Plan Medicare we also know how important it is to get personal. We give each and every client the time and attention they need to help choose, understand, enroll and maintain the right Medicare coverage. • Current and prospective clients are matched up with one of our licensed insurance agents, who manage everything from: understanding eligibility, processing paperwork, liaising with insurance providers, answering questions on billing and payment, and staying up to date on plan and policy changes.

3. How Can I Enroll in a Medicare Plan • Enroll over the Phone • Call 516 – 900 – 7877and we will talk you through the enrollment process, send you necessary paperwork and submit your application to get you enrolled right away. • Enroll Online • Fill out our easy online enrollment form and a licensed agent will call within 24 hours of submission. • Office Appointment • Call 516 – 900 – 7877 to schedule a free Medicare consultation appointment at our office in Melville, Long Island. You will meet with a certified agent who will walk you through the enrollment process. • Enroll By Mail • Mail your Medicare requests and we will send you all of the necessary paperwork to get you enrolled right away. • In-Home Appointment • Call 516 – 900 – 7877 to schedule a free Medicare consultation appointment with a certified agent who will walk you through the enrollment process in the comfort of your own home.

4. What We Offer You • We support you every step of the way… • At Plan Medicare we are proud to offer Medicare plans from insurance carriers across the country. Here are some of the companies and plans we represent: • Medicare Supplement Insurance Plans • Medicare Advantage Plans • Medicare Advantage Special Needs Plans • Part D Prescription Drug Plans

5. Health Insurance Insurance to protect me from health care costs that Original Medicare does not cover

6. AARP PLAN F If you are automatically enrolled, you will receive your red, white, and blue Medicare card in the mail 3 months before your 65th birthday (or the 25th month of your disability). Some people will need to sign up for Medicare Part B if you are not collecting Social Security or Railroad Retirement Board benefits. If you did not sign up for Medicare Part B when you were first eligible, and you do not have a special circumstance to enroll midstream, you will need to sign up during the General Enrollment Period (GEP), which is January 1st- March 31st of each year. If you enroll during GEP, your coverage will start July 1st of that year.

7. AARP PLAN F • What does Medicare Plan F cover? • Doctor services • Ambulance services • Nursing services • Chemotherapy • Durable medical equipment • Lab tests/ X-Rays/ Physical Therapy • Preventive services to prevent illness • Prescription drugs under limited conditions (doctor’s office or hospital outpatient setting) • does NOT cover: • Part B Excess Charges • Prescription Drugs not covered under Part B (Pharmacy) • Eye examinations or eyeglasses • Hearing aids or being fitted for one • Most dental care

8. PLAN F • A coverage includes: • Inpatient care in hospitals • Hospice care • Skilled nursing facility care • Home health services and nursing home care may also be covered (if deemed medically necessary) • Blood transfusions are also covered (after the individual has paid for the first 3 pints of blood) • Does NOT cover: • Hospitalization Deductibles & Copayments: • For the first 60 days under hospitalization service the individual will have a $1,216 deductible • For days 61-90 days under hospitalization service, Medicare pays all but $304 per day of each benefit period • For days 91 and beyond under hospitalization service, Medicare pays all but $608 per day of each benefit period

9. Additional Benefits • Care provided by a non-medically trained person at a nursing facility • Most dental care • Eye examinations related to prescribing glasses • Dentures • Cosmetic Surgery • Hearing aids and exams for fitting them • Routine foot care • The cost of the first 3 pints of blood required during a blood transfusion

10. PLAN N

11. The benefits of Medicare Advantage plans • The advantage plan combines Parts A, B, and D into one plan with one Medicare ID Card. • The total cost of the deductibles, premiums and co-pays that an individual will pay using an Advantage plan is often lower than the total cost for those same expenses under Original Medicare. • The Medicare Program rates all health and prescription drug plans each year, based on the plan’s quality and performance. A plan can get a rating between 1 and 5 stars (5 stars indicating the best possible service). These stars allow you to easily compare plans based on quality and performance, and they are updated every year (typically in the fall).

12. MEDIGAP PLAN F

13. When deciding on which Medicare Advantage plan to choose • Are my doctors covered as In-Network providers? • Do I need a referral to see a specialist? • What happens if I want to go to a doctor outside the network? • What are the costs (copays, deductibles) associated with services provided in the summary of benefits by the plan? • Does the plan offer drug coverage? What tier do my drugs fall into and what are the copays associated with them? • What additional benefits are offered by this plan?

14. Medigap • A Medicare Supplement Plan, also known as a Medigap Policy, is designedto help pay for some of the costs that Original Medicare does not cover • Medicare supplement plans are offered by private insurance companies and available to individuals who are eligible for Medicare. A Medicare supplement plan will help limit out-of-pocket medical expenses such as copayments, coinsurance and deductibles. Medicare supplement plans are secondary to Original Medicare while Medicare Advantage Plans are primary to Original Medicare. • For Medigap Policies sold on or after June 1, 2010, there are 11 standardized plans labeled Plan A through Plan N. Each one of these standardized Medigap policies provide the same benefits to the individual.

15. MEDICARE PLAN F

16. Other important information about the Medicare Part D Program • You may be eligible for Extra Help or cost sharing assistance from the government if you meet certain income requirements. • The Part D monthly premium varies by plan (higher-income consumers may pay more). • It is possible to have your Part D premium automatically deducted from your monthly Social Security/Railroad Retirement Board benefit check. • A late enrollment penalty can be added at any time after your initial enrollment period (IEP) unless you have creditable drug coverage (i.e.: an employer sponsored plan). • You can enroll into a Part D plan by calling 1-800 MEDICARE directly, go straight to a private insurance carrier or work with an agent who can help guide you to a plan that fits your specific needs. • You cannot have a Medicare Advantage Plan (Part C) and separate Part D prescription drug plan at the same time. • Review your Medicare drug plan every year, as plan formularies can change. • You are eligible to change, add or drop your Part D plan during the Open Enrollment Period every year (OEP)(AEP). Some Medicare drug plans have a coverage gap also known as “the donut hole” which means that after you and your drug plan have spent a certain amount of money for covered drugs, you may have to pay more foryourprescription drugs, up to a certain limit.

17. CONTACT US • Our Office ADDRESS: 48 South Service road –Suite 400 Melville, NY 11747 TELEPHONE: 516 – 900 – 7877 FAX: 516 – 977 – 3405 E-mail: support@planmedicare.com