Don't let all of the Medicare health insurance options in Erie County scare you. Click one of the plan types below to compare just the Medicare coverage you need. If you're not ready to make a decision click here to discover your options.
To speak with a Medicare adviser, call us toll-free at 877-549-1452 (TTY 411). Our telephone hours are 6AM to 5PM PST, Monday through Friday.
Erie County Medicare Insurance Options
Original Medicare (Part A and Part B) is the only Medicare insurance that's standard in Ohio. All private Medicare insurance is regulated by the federal government, but plan and policy availability is regional (e.g., within all parts of Erie County or throughout the state).
In addition to regional Medicare insurance options, you must match your most important doctor (generally your primary care physician) with a plan. Tens of thousands of doctors don't treat Medicare patients, and those that do don't accept all types of Medicare payment. Some only work with Medicare directly, some only work with specific Medicare Advantage plans, and some do both.
Our goal is to help you find all of the information you need to narrow your plan options to a small number so you can get on the phone with licensed adviser and make your final election for the year. In our experience, people who take a little more time investigating their options generally have better results with their healthcare.
Medicare Advantage Insurance in Erie County
Medicare Advantage is a private health insurance replacement for Original Medicare. If you enroll in a Erie County Medicare Advantage plan you are opting to receive all of your healthcare benefits through the plan. There are strict rules governing going back to Original Medicare, so read and be informed. In most cases you must wait until the next Annual Election Period.
For most Erie County seniors cost is a factor, so let's talk about it. You have plans as low as $0.00 per month and some as high as $70.00 per month. It's not always true that the higher the premium the more benefits and coverage you get. Be a good shopper and compare. Be sure to compare prescription drug benefits. There are 3 plans that give you prescription drug coverage and 1 that don't include it.
Several different kinds of plans are available, but insurers generally offer just the most competitive plans for the area. Most commonly you will find HMO and PPO style managed care plans, but some areas have Private Fee-for-Service (PFFS) plans that work a lot like Original Medicare. A smaller number of areas have Medical Savings Account (MSA) style HMO plans.
In many areas you will find one or more $0 plans. This simply means that there's no additional monthly premium cost to you above and beyond your monthly Part B premium. In all cases you are required to continue to pay your monthly Part B premium in addition to the Medicare Advantage plan premium.
A low premium is not the only cost to consider when comparing health insurance. Don't forget to look at the MOOP. That's the maximum out-of-pocket expenses you will pay each year. It's an important feature, because it helps you avoid the heavy burden of high medical bills. Be aware that the MOOP does not include the cost of your premiums or your prescriptions.
To better understand why more and more seniors make the switch to Medicare Advantage each year, have a read through our Medicare Advantage Frequently Asked Questions and Medicare Advantage Coverage pages. There you will find everything you need to know to decide if it the right move for you.
Medicare Supplement Insurance in Erie County
Original Medicare offers Ohio seniors the most flexibility in their healthcare options, but it also comes with a significant risk: Original Medicare does not have an out-of-pocket limit. This serious risk is the reason the insurance industry offers Medicare Supplemental insurance, also known as Medigap.
Medigap insurance is available in Ohio in ten standardized letter plans, A, B, C, D, F, G, K, L, M and N. There's also a high deductible version of Plan F. Plan A is the most basic and Plan F offers the most coverage possible.
It's critical that you understand how Medigap works. It does not give you extra healthcare benefits. If Medicare does not cover a healthcare expense, Medigap does not cover it. That includes your prescriptions, hearing aids, eye glasses, dental exams and other items that Medicare does not cover. Medigap works with everything covered under Medicare Part A and Part B.
Medicare Prescription Drug Plans in Erie County
One of the most important healthcare benefits needed by most Ohio seniors is prescription medication coverage, and it's not included in Original Medicare. If you want assistance paying for your prescriptions you must enroll in a Medicare Advantage plan that includes it, or join a Medicare Part D plan (PDP).
You have a variety of options available to you throughout Ohio. This year there are a total of 7 prescription drug plans available, each with its own formulary. Monthly premiums start at just $26.80 and go up to $95.90 per month for the most inclusive extended plan. While shopping and comparing, don't forget to look at the annual deductible. This is what you will pay at the pharmacy before assistance begins.
Don't make the mistake of enrolling in a Medicare Part D plan because it's cheap. Your prescription drug insurance is important. Learn more about it by reading Medicare Part D Frequently Asked Questions and Medicare Part D Coverage.
How-To Find a Medicare Doctor in Erie County, Ohio
We've recently added all Erie County Medicare doctors (primary care physicians for now) to MedicareWire.com. Doctors who treat Medicare patients are listed by city or town. We have school information, years of experience, hospital affiliations and insurances for doctors in Berlin Heights, Castalia, Huron, Milan, Sandusky, Vermilion, and surrounding areas.
This page was last updated on: 11/12/2014.