 dba. Medical Plans of Idaho (MPI)
Specializing in Individual and Group Health Benefits
|
|
| 2490 Locust Grove . Meridian . Idaho . 83646 . (208) 433-8312 Office ext 112 for Quotes . (208) 433-8316 Fax
Independent agents for Altius Health, Blue Cross of Idaho, Time Insurance, Assurant Health, Primary Health and Untied Health Care
|
|
|
|
What Is Medicare?
Medicare is a Health Insurance Program for: People 65 years of age and older, some people with disabilities under age 65 and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant).
|
|
Medicare has multiple Parts:
- Part A - Is your In-Patient Hospital insurance coverage. Part A covers some, but not all, of your hospital care.
- You are probably already eligible at age 65 for part A through your payroll deductions during your working years.
- Inpatient Hospital Coverage
- Up to 100 days of care at a Skilled Nursing Facility
- Some Hospice and Home Health Care
- Part B - Is your Out-Patient Care and Doctor's Visit insurnace coverage. Part B covers some, but not all, of your out-patient care.
- Most people become eligle at age 65 and must elect to receive Part B. Most people will pay a monthly premium for Part B benefits.
- Covers some services not covered by Part A.
- Doctor Office Visit Services.
- Physical and Occupations Physical Therapy Services.
- Some Home Health Care
Parts A and B together make up the "Original Medicare". This is also called Tradtional Medicare.
- Part C - is also known as Medicare Advantage plans. Medicare Advantage plans are available and administrated by private insurnce carriers that contract with Medicare.
- Medicare Advantage Plans replace Parts A and B and usually includes additional benefits.
- Enrollees must be enrolled in both Medicare Part A and B to join a Medicare Advantage plan.
- The are several types of Medicare Advantage plans;
- HMO (Health Maintenance Organization)
- PPO (Preferred Provider Organization)
- PFFS (Private Fee-for-Service
- Part D - is the Prescription Drug Coverage. Part D plans are available only from private insurance carriers that contract with Medicare.
- Part D - prescription drug coverage is not automatic, you must select it when you are eligible for Medicare benefits.
- Part D is either available as a stand alone Prescription Drug Benefit or as a part of a Medicare Advantage plan.
As long as you have both Part A and Part B, items covered by Part A and Part B are covered whether you have the Original Medicare Plan, or you belong to a Medicare Advantage Plan (like an HMO or PPO). For more information see the Your Medicare Coverage database.
|
|
|
Who are we:
Medical Plans of Idaho (MPI) is a dba of Marsh & Associates and an independent agent of Blue Cross of Idaho, Assurant Health and Primary Health. MPI has been serving the needs of self-employed, small business owners and those who work for companies that do not provide health care coverage in Idaho, Oregon, and Nevada since 1994. As a broker, we offer health insurance plans with major medical carriers to provide you a diversified portfolio of health insurance programs.
We are honored to help assist you in the sales process. If you prefer to speak directly with a local Agent, please take advantage of working with one of the highest trained and qualified professionals in the industry or research and apply directly online for the policy of your choice. Medical Plans of Idaho offers FREE consultation and we guarantee you the lowest available rates directly from the insurance carrier. No other Agent or Broker can offer you a lower rate guarantee. Rates are published with the Idaho Department of Insurance and are provided by the carrier. We offer the same rate whether you go direct to the insurance carrier or use the services of our professional broker/agents. Because our services are free to you, we are compensated directly by the insurance company so there is never an impact to your monthly insurance rates. Therefore we are available to assist you with all your questions, give advice on new programs as they become available and help walk you though the sometimes tedious claims and application processes. Our customer service is second to none!
|
[ Site Map ]
| |
|
| |
