Medicare Guru (FIX-IT) Service Center – Kern Valley Sun

Health & Wellness

I’d like to find the time to do a radio commercial, but it is so busy around here, I just can’t. Hopefully, this article gets picked up on Facebook as my work is a community service. Most people are unaware I don’t charge a dime. My helping you often results in my assisting you in applying for coverage. The insurance company pays me, and there is never a cost to you.
I am certain unless you are blind, deaf or don’t have a television, radio or a mailbox, you are hearing the barrage of ads about Medicare. Some of the early responders to these ads are now receiving the printed literature and learning of the misleading and downright lies they were fed. I am fixing them. The most prevalent calls are coming regarding the “cash back” benefit. It is true, but the benefits on these plans are slim, and none contain prescription benefits. Even if you don’t take prescriptions now, there will be a penalty in the future if you ever need a plan with Rx coverage.
Robert learned that his HMO does not permit him to go to the CBCC Cancer Center. CBCC is not on any of the Kern County HMO plans, yet, once you are diagnosed, it is normally too late to qualify to go back on Original Medicare and get a Supplement. During the Annual Enrollment Period, the Guru has a few tricks up his sleeve, and is able to help most people drop their HMO and get a supplement with no medical questions asked. No promises here, but so far, I have had 100% success this year!
Back to the HMO plans. Several people have been enticed to drop their Medicare Supplement and join an HMO. I can see the attractiveness to a zero monthly premium. As long as you follow the rules, these plans work well. Just stay close to home, as only emergency or urgent care is covered out of the area. Here is some good news. If you have never had a Medicare Advantage plan, and want to dip your toes in the HMO waters, you may, and your Medicare supplement will take you back (at new current rates, without medical questions as long as you reapply within 12 months). That is 12 months, not 12 months and a day! The same holds true if you are new to Medicare, and find the HMO model not to your liking. One year’s “free look.”
The cost of Medicare is going up, and going up with a vengeance. If you didn’t see last week’s column in Kern Valley Sun pick up a copy. Most people will be paying $170.10 per month out of their Social Security payment over this year’s $148.50.
Well, I can’t seem to get to recording my offer to help people fix what they have inadvertently messed up, so I trust the word will spread.
Harry P. Thal, the Medicare Guru is available for free telephone consultation, by appointment at (760)376-2100. No office appointments as we are following strict COVID-19 protocols.
Health & Wellness
Health & Wellness
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