HealthCare

Consolidated Insurance Services

HealthCare

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Finding the right HealthCare insurance is an important decision. We have plans from Medicare Advantage plans to Medicare Supplements.

During the Initial Enrollment Period companies can't refuse coverage due to a "pre-existing condition". However, if you are changing plans after enrolling into a Supplement companies can determine a pre-existing condition disqualifies them for enrollment or apply a "waiting period" for coverage.

Original Medicare- Currently Medicare pays 80% of all Medicare covered services, and the beneficiary pays the remaining 20%. Part A covers hospital visits and there is no premium if you have worked at 10 years and paid your Social Security tax. Part B covers Dr. and Specialist visits and beneficiaries pay a monthly premium ($96.40 in 2008). Part D covers your prescription drugs, and there is no premium but you do have to enroll into that part to avoid penalties.

* Medicare Advantage PFFS Plans
Medicare eligible only: Private-Fee-For-Service Plans allow you to go see any doctor you want to (there is no contracted network). You pay for a fee for the service you incurr (in the form of a co-pay). You may go to any Provider that accepts the terms and conditions of plan. Providers may choose to accept the terms and conditions of the plan on a per visit basis.

Monthly Premium: $0- 50

* Medicare Supplement Plans

Medicare eligible only: Supplement Plans allow MediCare to pay 80% of your claim and the company pays the remaining 20% and beyond. These plans allow you the most extensive coverage.

Monthly Premium: based on age and health qualifications

* MAPD Plans

Plans that include both a Medical and a Prescription plan.

* MA Plans

Plans that include a Medical plan only, and they do not have prescriptions available except the Medicare approved drug coverage.

* PDP Plans

Plans that include a stand-alone Prescription plan. You may combine a PDP plan with a MA only plan.

* Individual Health plans

Non Medicare eligible only: Individual plans allow you to customize your HealthCare and vary with deductibles, copays, and premiums. They are available to non-Medicare beneficaries.

Monthly premium: Depends on age and deductibles.

Our Health plans cover your Medicare expenses, and in most cases have no monthly premiums.

Your money is too valuable to be used on high cost premiums, deductibles, and copays.

These policies provide coverage for ALL Medicare services, and some plans offer beyond what Medicare covers, including Dental, Hearing, and Vision.

Click the logo's below for plan details

WellCare

Humana

Secure Horizons

AARP

For more information or a free quote please call: (503) 936-8905

Rogers Insurance * 1075 NW 123rd Ave #2 * Portland, OR *97229

Your local independent agents serving Oregon & Washington