The following information will be pertinent:

1.  If you are new to Medicare through Attaining Age 65, or
2.  On Medicare through a qualifying
Disability at any age, OR.
3.  Already on Medicare and considering a change in plan or coverage

Those of you changing be VERY careful of OPEN ENROLLMENT DATES


CAUTION !!!         CAUTION !!!        CAUTION !!!

Let's look at the rules for switching from a Medicare Supplement to a Medicare Advantage Plan.  Yes, you can change to a Medicare
Advantage Plan with Prescription Drugs
included, for -0- Premium or a very low Premium.  There is NO MEDICAL UNDERWRITING OR
DECLINES, UNLESS YOU HAVE "END STAGE RENAL DISEASE".  
Changing your mind to get back your Medicare Supplement may be more
complicated.  Generally, if you want to go back to your Medicare Supplement, you must do so within 12 months of trying out a Medicare
Advantage Plan to avoid pre-existing underwriting.  And, you must return to exactly the same Medicare Supplement you had previously, same
Insurer, same plan, and current premium rate.  Some of you will be able to switch back to a Medicare Supplement even after the 12 month
period or anytime,
IF  your health is good, and you have no decline type medical disorders.  We also have at least one Medicare Supplement
Carrier who
will accept you with all pre-existing conditions except end stage renal failure, as long as you can answer 3 simple questions.   
Some of you
have found you are no longer able to afford a Medicare Supplement, and a separate Part D Drug Plan.  For you, the decision
between  paying $3,000 per year versus -0- Premium is a no-brainer.  The right Medicare Advantage Plan is SAFE, and 1000's of Americans are
switching everyday.

POSSIBLE GOVERNMENT CUTS TO MEDICARE & MEDICARE ADVANTAGE

YES, WITH THE ADVENT OF OBAMA CARE BOTH MEDICARE AND MEDICARE ADVANTAGE HAS UNDERGONE CHANGES.  WE ARE NOW
EXPERIENCING THE CHANGES TO
MEDICARE ADVANTAGE DUE TO OBAMACARE, THAT WILL AFFECT MEDICARE ADVANTAGE PLANS
FOR 2014 AND BEYOND.  
 PRESIDENT OBAMA TOOK APPROXIMATELY 3/4 OF A TRILLION DOLLARS OUT OF OUR MEDICARE FUND IN
ORDER TO PAY SUBSIDIES, ETC., TO THE UNDER 65 PEOPLE WHO WILL BE PUSHED INTO THE OBAMACARE INDIVIDUAL AND GROUP
POLICIES FOR 2014.
 WE DO KNOW THAT IT'S POSSIBLE THAT THE NEW LAW WILL CUT PAYMENTS TO DOCTORS AND HOSPITALS.  
MOST CARRIERS ALSO STILL MAINTAIN ROBUST HMO AND PPO NETWORKS IN MEDICARE ADVANTAGE PLANS, BUT NOT ALL.  MOST
CARRIERS OF
MEDICARE ADVANTAGE ARE STILL OFFERING VISION, HEARING AND GYM MEMBERSHIPS FOR THE 2014 PLANS.  WE
HAVE SEEN ONE MAJOR CARRIER AS A COST SAVINGS MEASURE REMOVE THOUSANDS OF PHYSICIANS FROM THEIR NETWORKS.  BE
SURE YOUR DOCTORS ARE I
N THE NETWORK OF THE PLAN YOU CHOOSE.  WE WILL HELP WITH THAT.

STRAIGHT MEDICARE PARTS A AND B DO NOT OFFER THESE EXTRA BENEFITS AT ALL.   FOR THE YEAR 2014 WE SEE SOME RAISING
OF THE MAXIMUM OUT OF POCKET AMOUNTS, BUT NO MAJOR CHANGES IN COVERAGE, AND
NO PREMIUMS FOR THOSE MEDICARE
ADVANTAGE
PLANS WHICH HAVE NEVER CHARGED PREMIUMS.  AS I WRITE THIS
I AM THINKING OF MY OWN MEDICARE ADVANTAGE PLAN, WHICH HAS SMALL COPAYS, AND IS -0- PREMIUM.  THAT BEING SAID, THE
GOVERNMENT HAS REDUCED PAYMENTS TO
MEDICARE ADVANTAGE CARRIERS FOR 2014.  THIS DEFINITELY AFFECTED THE
MAXIMUM OUT OF POCKET LIMITS WE ARE SEEING.

HOWEVER, A MEDICARE SUPPLEMENT + A SEPARATE PRESCRIPTION PLAN COSTS AN AVERAGE OF $2,400 IN PREMIUM PER YEAR.  I
WILL CONTINUE WITH MY MEDICARE ADVANTAGE PLAN FOR 2014.  WITH AN ADVANTAGE PLAN YOU PRETTY MUCH MAKE COPAYS FOR
SERVICES YOU USE, RATHER THAN PAYING HEAVY PREMIUMS FOR A MEDICARE SUPPLEMENT WHETHER OR NOT YOU USE ANY
SERVICES.  PREMIUMS ON A MEDICARE SUPPLEMENT & A PRESCRIPTION PLAN ARE HEAVY DUTY, AND THEY WILL BE THEIR FOR
EVERY MONTH OF YOUR REMAINING LIFETIME, CONSTANTLY RISING FROM YEAR TO YEAR.  NONETHELESS, MEDICARE ADVANTAGE
PLANS
DO NOT SUIT EVERYONE.  THESE ARE CONSIDERATIONS THAT YOU ABSOLUTELY NEED HELP WITH.  CALL AND WE CAN
DISCUSS EITHER OR BOTH.       

GIVE SERIOUS THOUGHT ABOUT MEDICARE ADVANTAGE, AND TALK TO AN AGENT WHO IS TRUSTWORTHY.
CHOOSE WHAT YOU CAN AFFORD.  JUST BE SURE YOU UNDERSTAND THE RULES.
CALL US AT 1-800-239-7553
OR GO TO THE BOTTOM AND EMAIL US

OPEN ENROLLMENT DATES FOR 2014 MEDICARE ADVANTAGE PLANS ARE
OCTOBER 15 THROUGH DECEMBER 7


Alternatives to a Medicare Supplement Are Called
MEDICARE ADVANTAGE

MEDICARE ADVANTAGE PLANS ARE PART C OF MEDICARE
THEY INCLUDE COVERAGE FOR INPATIENT/FACILITIES,
OUTPATIENT DIAGNOSIS & TREATMENT, DR. OFFICE VISITS, SURGERY, AND
PRESCRIPTIONS.  THEY ARE
COMPREHENSIVE PLANS THAT INCLUDE MEDICARE PART A,
PART B, AND PART D (prescriptions).  THERE ARE USUALLY NO DEDUCTIBLES OR
COINSURANCE.  RATHER YOU MAKE
COPAYS FOR YOUR SERVICES.
Many of these Plans have
-0- Premium or Very Low Monthly Premiums
They Also Offer Benefits Not Covered by Original Medicare
SUCH AS
GYM MEMBERSHIPS, DENTAL, VISION AND HEARING

TYPES OF MEDICARE ADVANTAGE PLANS

1.  PPO PLANS   
GIVE YOU A LIST OF ALL PARTICIPATING PROVIDERS
THESE PPO PLANS ALSO PAY BENEFITS OUT OF NETWORK, ALTHOUGH AT A LOWER REIMBURSEMENT, AS THE
PROVIDER DOES NOT ACCEPT THE PLAN PAYMENT SCHEDULE.  
WE BELIEVE THAT PPO'S ARE MUCH SAFER WHEN A
GOOD ONE EXISTS IN YOUR COUNTY.

2.  HMO PLANS (YES, THEY CAN BE GREAT)
THESE PLANS REQUIRE THAT YOU CHOOSE A PRIMARY CARE PHYSICIAN.  SOME REQUIRE THAT YOU GET A REFERRAL
FROM YOUR PCP TO SEE SPECIALISTS AND OTHER PROVIDERS.  SOME OF THE HMO'S ARE "OPEN ACCESS", MEANING
THAT REFERRALS ARE NOT REQUIRED.  USUALLY YOU WILL RECEIVE
NO BENEFITS FOR ANY OUT OF NETWORK
SERVICES.
 YOU WILL BE ABLE TO AVOID THIS IF YOU SELECT AN HMO WITH A "POINT OF SERVICE" OPTION, WHICH
MEANS AN "OUT OF NETWORK OPTION".  
AGAIN, HMO'S ARE FINE WHEN A GOOD ONE EXISTS IN YOUR COUNTY, AND
WHEN YOUR PROVIDERS ARE ON THE PLAN.  HMO'S OFTEN HAVE A LOWER OUT OF POCKET THAN PPO'S

3.  PFFS PLANS  (WE WILL NOT WRITE THESE)
OR "FEE FOR SERVICE".  THESE PLANS ARE FAIRLY EASY TO UNDERSTAND.  THERE IS NO PPO, HMO, OR POS.  YOU
ARE RESPONSIBLE FOR FINDING A PHYSICIAN, SPECIALIST, LAB, HOSPITAL, OR OTHER PROVIDER WHO
AGREES TO THE
PAYMENT TERMS OF YOUR PLAN.
 
WE DO NOT RECOMMEND THESE "NO NETWORK" PLANS UNLESS ALL OF YOUR "MUST HAVE" PHYSICIANS, SPECIALISTS,
AND A LOCAL HOSPITAL AGREE TO ACCEPT THE PLAN AND PAYMENT TERMS.  EACH TIME YOU NEED A SPECIALIST YOU
ARE "ON YOUR OWN" TO FIND ONE WHO AGREES TO TAKE PAYMENT FROM YOUR PFFS PLAN.  BE SURE BEFORE
CHOOSING A FEE FOR SERVICE PLAN (NO NETWORK OR CONTRACTED PROVIDERS) THAT YOU CAN DEAL WITH
PHYSICIANS DECIDING
NOT TO ACCEPT YOUR PFFS PLAN.  MOST LIKELY, YOU WILL NOT BE ALLOWED TO SWITCH TO
ANOTHER MEDICARE ADVANTAGE PLAN UNTIL JANUARY 1 OF THE NEXT YEAR, LEAVING YOU WITH NO PHYSICIAN.  AS OF
2011 SOME PFFS PLANS HAVE DEEMED PROVIDERS.   

WE ARE VERY PLEASED WITH MEDICARE ADVANTAGE PPO'S, AND IN SOME CASES HMO'S.  WE DO NOT FEEL
COMFORTABLE IN ENROLLING OUR CLIENTS IN A PFFS PLAN AT THIS TIME.
 ANOTHER AGENCY MAY BE WILLING.
OPEN ENROLLMENT OCTOBER 15 THRU DECEMBER 7 FOR JAN 1 EFFECTIVE DATE
THE MALONE AGENCY
1-800-239-7553
or 941-698-1515
Home
Contact Us
ALL INFORMATION
FLORIDA RESIDENTS ONLY
MEDICARE ADVANTAGE PLANS

IF YOU ARE ALREADY WELL VERSED ABOUT MEDICARE AND YOUR CHOICES
AND THE
RULES, YOU MAY WISH TO SKIP DOWN TO THE VERY BOTTOM, FILL
OUT A SHORT FORM TO EMAIL TO US, OR SIMPLY
CALL US AT 1-800-239-7553
PLEASE GET HELP WITH THESE RULES AND DON'T BE SORRY LATER.
WHAT IS GOOD FOR YOUR NEIGHBOR MAY NOT BE AT ALL RIGHT FOR YOU.  CALL US.

THIS SITE IS FOR FLORIDA RESIDENTS ONLY !!!

GET HELP
DON'T THINK YOU CAN
MAKE DO WITH JUST
MEDICARE.  WITHOUT
OTHER COVERAGE YOU
WILL PAY 20% OF ALL
OUT PATIENT CLAIMS
AND A
BIG DEDUCTIBLE
FOR EACH HOSPITAL
STAY.


If you don't get help from us,
GET HELP SOMEWHERE
FROM A REPUTABLE
AGENT.  
Choosing between a
Medicare Supplement and a
Medicare Advantage Plan,
or a variety of Medicare
Advantage Plans is
SERIOUS BUSINESS for
our Senior's.  
Be careful what you
choose, and be sure you
understand that some
choices MAY be
permanent,
depending
upon your Health History.  
LOOK TO YOUR
RIGHT FOR SOME
TIPS TO HELP YOU
DECIDE OR CALL US
AT
1-800-239-7553

TODAY THE NEW
PLANS & RULES
ARE MORE LIKE
A MINEFIELD

PLEASE SUBMIT THE FORM BELOW.  WE WILL CALL YOU OR EMAIL YOU IMMEDIATELY WITH MORE SPECIFIC INFORMATION.  
IF YOU DO NOT WISH TO SUBMIT A FORM SIMPLY CALL US AT
1-800-239-7553
CLICK HERE FOR MORE ABOUT MEDICARE SUPPLEMENST
PLEASE CALL
1-800-239-7553
OR
FILL IN THE QUICK FORM BELOW & HIT "SUBMIT"

Are you interested in a
Medicare Supplement or a
Medicare Advantage Plan
CHECK BOX OF CHOICE WITH
AN X
MEDICARE SUPPLEMENT
MEDICARE ADVANTAGE PLAN
NAME
DATE OF
BIRTH
SPOUSE IF
ALSO
ELIGIBLE
DATE OF BIRTH
SPOUSE
PHONE &
AREA CODE
EMAILADDR
STREET
ADDRESS
CITY OF
RESIDENCE
ZIP CODE
COUNTY
State
DO YOU HAVE A MEDICARE
SUPPLEMENT NOW?
YES OR NO
DO YOU HAVE A MEDICARE
ADVANTAGE PLAN NOW?
YES OR NO
Questions, comments, or feedback:
THIS WEBSITE IS FOR FLORIDA RESIDENTS ONLY