Organizing, Hoarding & Cluttering

InsuBuy International Medical Coverage –
Instant Quotes & Enrollment

Coverage for Travel - $50k Emergency under Medicare Medi Gap or MAPD Advantage may not be enough!

Dental For #Everyone,
has an excellent  website with full brochures, Instant online quoting and enrollment

• One of our colleagues on how Dental for Everyone Works.
• Some of our webpages on dental
  • Dental & Vision for Adults and Mandatory Pediatic as an essential benefit
    • Dental Implants
    • Dental under Medicare is very limited – 2022 Budget to increase benefits
• VSP Vision

All our plans are Guaranteed Issue with No Pre X Clause
Quote & Subsidy #Calculation
There is No charge for our complementary services

Watch our 10 minute VIDEO
that explains everything about getting a quote

• Our Quote Engine Takes all the complexity out of using pencil and paper to figure out the premiums per the Obamacare/ACA rules under   CFR §1.36B-3 *
• Get more detail on the Individual & Family Carriers available in CA

#Understanding Medicare Advantage Plans (PDF) #12026

Watch Steve's Video Seminar

• MAPD Plans look like a great deal, as the "premium" is paid by fee from the Federal Government, on average $2k/year.^Kff *  MAPD Plans must cover all A & B services ^Medicare.Gov * generally they also cover Part D Rx.
• That's why the premium is very low or ZERO!

• Set a Zoom Meeting
  • We can now do SOC Scope of Appointment, before the Meeting via a 3 minute recorded  meeting 2 days before.  ^{AHIP Training Module 4 Page 14} *
• #Intake Form   Berwick Needs Assessment Form    - We can better prepare for the meeting
• Medicare Advantage (Medicare Part C): An Overview   Hi Cap
• HMO - Narrow Networks?
• HI Cap CA Health Care Advocates Fact Sheet
• Do I just sign up with a Medicare Advantage Company and automatically get * Parts A & B or do I have to get those from Medicare.Gov  *   VIDEO
• 17 Reasons to use Steve Shorr Insurance
• Get Quotes, Full Information and Enroll
  • Blue Cross
  • United Health Care
  • SCAN
  • Blue Shield 
    • scope of  appointment
  • Tell us about your self and your situation - Needs Assessment (Berwick)
• MANDATED wording!:  ^{Think Advisor} * ‘‘We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area.  Please contact Medicare.gov or 1–800–MEDICARE to get information on all of your options.’’
• We disagree with the above wording, as we can use the same tools on Medicare.gov as they do!
• FYI  a 4.27.2022 HHS Office of the Inspector General report found that MAPD plans denied 13% of prior authorizations that would have been covered under original Medicare (Conversely, Medi Gap, just follows what Medicare pays.)
• 88% of MAPD enrollees are happy

• MAPD plans often include Dental &  Part D - Rx Prescriptions   and often have NO premiums! 

  • How is that possible?

    • The Federal Government pays them around $700/month to handle your medical care.  You must continue to pay your Medicare Part B premium of about $170/month.  It's best to apply when you turn 65 for the supplement plans or advantage plans, as that's the main "Open Enrollment" period, guaranteed issue for any plan. 

• Medicare Advantage Plans also have an annual open enrollment now known as AEP Annual Election Period October 7 to December 15th.

• Additional Coverage is important as Medical Bills are increasing Seniors Credit Card Debt or leading to possible bankruptcy?

• If You Have Problems with Your Medicare Advantage Plan
  • forbes.com/how-insurers-can-navigate-the-costs-of-medicare-advantage-benefits
  • politico.com/medicare-advantage-plans-congress
  • Uncle Sam wants you to help stop insurers' bogus Medicare Advantage sales tactics
  • ca health advocates/using-ai-to-deny-care
  • Dodging the Medicare Enrollment Deadline Can Be Costly
  • Medicare Advantage Increasingly Popular With Seniors — But Not Hospitals and Doctors 
  • Medicare Advantage is bad for patients and bad for investors
• When Medicare Advantage Plans Terminate Coverage
• Medi-Cal D-SNP Feasibility Study
  • MLN Fact Sheet Beneficiaries Dually Eligible for Medicare & Medicaid
  • Congress Considers Strategies To Improve Medicare And Medicaid Integration For Dual-Eligible Individuals
  • Fixing the FIDE-SNP – Redefining “Fully Integrated”
  • Medicare Medi-Cal Plans​  Dhcs.ca.gov