Do I have to Get Medicare Plan B If I’m Still Working?: Ask Medicare Bob

One of the most common queries regarding Medicare is whether someone has health insurance or some sort of employee coverage needs to register for Medicare Part B. Insurance expert and adviser Robert Bache explains.
As part of his series of advisory Youtube videos, Medicare Bob (Robert Bache), an expert on Medicare Insurance plans, helps to explain under what circumstances people who already have coverage do NOT need to contribute to Medicare Part B. Simply put, there are two criteria that must be fulfilled in order for the customer to not pay any premium for Medicare Part B: 1. They have to have health care coverage from an employer. 2. That health care coverage is from an active employer, i.e. it must be from their own current job, or from their spouse’s current job. So, for example, if you or your spouse are covered by a retirement plan by your former employer, you would still be eligible for the premium. If you are still unsure about whether you need to pay for Medicare Part B or to know more about Medicare Supplement plans, you can contact Bob directly on his toll free number, 1-855-368-4717. He can also be reached online via his website at www.medicarebob.com or via email at ROBERT@SRHEALTHCAREDIRECT.COM

Who has the best Medicare Supplement?: Ask Medicare Bob

With so many different health insurance companies advertising their various Supplement Plans in different areas, it can be difficult to choose the right package for you, as part of his instructional series, Robert Bache tells you how to navigate Medicare Supplements Plans.

There are numerous Medicare Supplement Plans available from different providers at a wide variety of prices. One of the questions that is often put to Medicare expert Medicare Bob (Robert Bache) is which is the best Supplement Plan from a particular provider. Well in his series of educational videos, he lets viewers in on a secret about Medicare: Supplement Packages are all the same!

That means that any Medicare Supplement Plan F will provide the same benefits as any other company- and the only variable between the major insurance providers whether Blue Cross, or Blue Shield or any of the other companies, is price. The reason people are often misled on this matter is because most insurance agents only represent one or two providers. Robert Bache, on the other hand, is a client of ALL the major companies, and is able to objectively advise customers on the best priced Medicare Supplement available in their area, and is usually able to help save around $50 to $60 per Supplement.

If you have further questions about Medicare, or are interested in upgrading your health plan, you can speak to Bob directly on his toll free number, 1-855-368-4717.

 He can also be reached online via his website at www.medicarebob.com or via email at ROBERT@SRHEALTHCAREDIRECT.COM 

Health Insurance FAQs from Medicare Part A, B, C, D, E, F, and G to Obamacare

So, what's the most pressing question you have about medicare? What do you want to know about your health care and supplemental health care insurance? Comment below and we will add your questions and our answers to the main body of this blog post. We check back here several times a day!

We're looking forward to getting to know you! - RB

If you're a health insurance broker, contact me to join our alliance on Google+.

Medicare A, B, Plan F and Plan G: What Are The Differences?

As he explained in his previous youtube video, Medicare A and B only cover users for a limited number of hospital costs which need to be topped up with Advantage or Supplement plans. Now health insurance expert Robert Bache tells you what a Medicare Supplement Plan is and how it works.

Medicare Bob, as part of his series of videos to instruct the public on Medicare and related insurance policies, recently explained the limits of the basic Medicare A and B plan. Here he details the private Supplement plans designed to bridge the gaps in your Medicare coverage.

Although there are around 10 basic Medicare Supplement plans, according to Medicare Bob, there are only 3 plans which should be seriously considered. The first is Plan F, which is the most comprehensive coverage plan which covers all medical costs in and outside hospital, and also pays all Medicare deductibles.

The second plan which Bob recommends is Medicare Plan G. Plan G is very similar to Plan F, the only difference being that a small deductible is payable each year. This year that price is just $147.

The final plan Bob recommends in Plan N. Many people find Plans F and G excessive as they are in good health and rarely visit hospital except in emergencies. Plan N is an intelligent package for them as, under this plan, they pay a much lower premium in addition to the annual deductible  and up to a $20 charge for each doctor visit, or $50 for each hospital emergency room visit; although, if they are admitted, this $50 is waived.

The only other costs are what are known as a Part B Excess Charge. If you would like more information about the Part B excess charge, or any of the Supplement plans Bob recommends, you can speak to Bob directly on his toll free number, 1-855-368-4717. He can also be reached online via his website at www.medicarebob.com or via email at ROBERT@SRHEALTHCAREDIRECT.COM

What are Medicare A and B? And Do I Need A Supplement Plan?

Often people are confused as to what exactly Medicare A and B are and what they cover. Medicare and health insurance expert Robert Bache explains all in his series of instructional youtube videos.

When registering for Medicare for the first time, it can be confusing as to the differences between Medicare A and B, and to which services they entitle the user. Medicare Bob is a health insurance agent with clients among all the major healthcare providers, and in his new video, he clearly explains what Medicare does and does not cover.

1        Essentially, Medicare A and B cover all non-hospital based medical costs with the exception of prescription drugs.

2       The basic cost is $105 per month.

3       On any hospital visit, the first $1,200 of treatment is NOT covered by Medicare A and B.

4      There is a small annual deductable for Medicare, this year that deductable is $147

5      Medicare part B ONLY pays 80% of hospital costs. There is NO limit to how much you could pay for treatment in theory.

For those looking to improve their coverage from the Medicare A and B packages described above, Bob recommends either a Medicare Advantage of a Medicare Supplement plan. If you have further questions about Medicare, or are interested in upgrading your health plan, you can speak to Bob directly on his toll free number, 1-855-368-4717. He can also be reached online via his website at www.medicarebob.com or via email at ROBERT@SRHEALTHCAREDIRECT.COM 

How do I Register for Medicare?: Ask Medicare Bob

Do you think that you or a family member can or should be registered with Medicare? Robert W. Bache is a healthcare insurance consultant, specializing in plans for senior citizens, and in a new youtube video series, answers some commonly asked questions.

A great deal of the information available to the American public and, senior citizens in particular, is unreliable due to the fact it is presented by agents with a vested interest in selling a particular policy. Bob Bache, on the other hand, works with all major healthcare providers, and so provides not only a huge wealth of knowledge about the health system and insurance, but objectivity.

In the first of his series of youtube videos answering common questions on Medicare and related topics, Bob explains that registering for Medicare is relatively simple for most people:

1) If you are retired and withdrawing a social security benefit, you will automatically be registered with Medicare, and will receive a card which can be used from the first day of the month of your 65th birthday.

2) If you’re still working and are opting to take Medicare, you may register at your local social security office or online and www.ssa.gov

It really is a reassuringly simple process for most people. However, if you are working and unsure if you should take Medicare, or want to know about supplement packages, you can speak to Bob directly on his toll free number, 1-855-368-4717. He can also be reached online via his website at www.medicarebob.com or via email at ROBERT@SRHEALTHCAREDIRECT.COM

Contact Robert and Discuss Your Health Coverage and Benefits

How health care policy, costs, politics, and legislation impacts you

Health care policy, costs, politics, and legislation are changing on what seems like a daily basis. For seniors, this creates confusion and challenges.

"Is my physical therapy covered by my insurance?"

"Are my medications covered?"

"Is a plan that lets me go to any doctor if I'm willing to pay part of the bill right for me? What are the pros and cons?"

"How does Obamacare affect my coverage, insurance cost, and health care quality?"

"Are there government or private corporate programs that I can take advantage of?"

These are all questions that matter to seniors and yet they have a difficult time getting straight answers. The only people who seem to be able to answer these questions are health care supplement insurance sales people. And the challenge there is getting objective answers. For example, one company might explain how superior his coverage is compared to another insurer citing examples and stats that the other insurers seniors compared didn't even mention. But according to Robert Bache, Sr. Health Care Insurance consultant, all coverage is 100% identical from one company to another because the details are mandated by law. 

So if you're a senior citizen, your best option is the least expensive option that let's you take advantage of any programs you're eligible for. 

The only thing you have to do now is find out what private and government programs are available to you in your zip code and which is least expensive. To do that, contact Robert Bache at: https://docs.google.com/forms/d/1pH3hR9LSsdMOKC2oTySNWUoRWrkHslXK2DuhiMB5TeA/viewform ... You can also reach him at his direct number: 206-337-6872 but the contact for above is faster and secure.