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  1. Jim Simmers

    Health Insurance

    Thats totally wrong It is Part of Medicare. Go to Medicare.gov, everything is right there. Made into law by the same government body that brought you original Medicare. So I would like to know what information you have that debunks everything that I have stated. I have posted nothing but facts...
  2. Jim Simmers

    Health Insurance

    Pettibone area
  3. Jim Simmers

    Health Insurance

    I have not made a penny off this thread. Fact! But a lot are getting valuable information. Oh and for the record I could fish through the ice today!
  4. Jim Simmers

    Health Insurance

    Looking through this site this is the place for this. We all have a common bond and that’s the outdoors. Thats why there are so many threads. If you don’t want to participate in this, don’t click it. Advantage plans are not for everyone. I think they are based on what I see on a daily basis for...
  5. Jim Simmers

    Health Insurance

    Medicare has been around since 1965, advantage and Prescription Drug plans since 2006. Being their newer perhaps and people can choose which way they want to get their Medicare. Speculation on my part except having more options. When you think of the insurance you had during your working years...
  6. Jim Simmers

    Health Insurance

    Sorry I missed your question on drugs. Medicare decides what drugs are covered and which aren’t. That does not mean all drugs are on all plan formularies. What it does mean that every drug plan must have 2 equivalents available. The drug plan may ask you to try a cheaper alternative and they...
  7. Jim Simmers

    Health Insurance

    Well, at some point it may happen. Mind boggling because few can get the whole just of the information through text. I left my number you can call me. But the longer we’re just go back and forth the more confused you may get. I have nothing to gain by giving you information that isn’t true. I...
  8. Jim Simmers

    Health Insurance

    I am pretty sure you do. I have read your posts on other threads and you’re probably one of the best at it. Just saying!
  9. Jim Simmers

    Health Insurance

    1800-Medicare.
  10. Jim Simmers

    Health Insurance

    I am not sure where your zip code is. The more populated areas have more options than less and northern counties have less, Minot has a couple, I think Williston has one, BC/BS but not sure. I have Medica cost plan members up here and I am not appointed with BC/BS. Pretty much most counties...
  11. Jim Simmers

    Health Insurance

    No you weren’t.
  12. Jim Simmers

    Health Insurance

    Don’t just take my word for it, read what other advantage plan members have said on it. You want and can afford to pay those crazy premiums, do so. That’s your choice. I can just tell you what I know from 18 years experience. If I didn’t know anything I would not have made it as long as I have...
  13. Jim Simmers

    Health Insurance

    Then friggen stay! It’s simple.
  14. Jim Simmers

    Health Insurance

    They were not forced. They knew when congress passed legislation putting cost plans into law that once advantage plans became more popular the cost plans would be going away. Advantage is the best option for most people. Any insurance agent who works in this field who does not understand...
  15. Jim Simmers

    Health Insurance

    Also I should add that plans are available by zip code.
  16. Jim Simmers

    Health Insurance

    At a zero premium yes. And yes to all those benefits. The federal government will give you a 12 month free look period if you are on one for the first time. So anytime within 12 months from your effective date, if you aren’t happy you can go back to your supplement no questions asked. If that...
  17. Jim Simmers

    Health Insurance

    Drug coverage. Dental, vision, hearing aids, over the counter allowance, fitness membership, an out of pocket max, observation stays are covered so you don’t need to qualify for skilled nursing. No referals to see a specialist. Annual physicals. Meal program, healthy rewards, $100 part B give...
  18. Jim Simmers

    Health Insurance

    In a nut shell. Advantage plans can usually save you more money plus give you more benefits. Original Medicare is a fee for service and advantage plans in our area are mainly PPO.
  19. Jim Simmers

    Health Insurance

    Insurance companies agree to accept what the federal government pays them and isn’t charging an additional premium. You might think that it’s too cheap, it can’t be any good. Normally you get what you pay for. But in the wonder world of advantage, some of the $0 premium plans have the most...
  20. Jim Simmers

    Health Insurance

    No, supplements are age specific and increase as you age. Advantage plans vary in premium and are usually more cost effective. Premiums increase slower but usually stay the same for a few years at a time and doesn’t matter if you’re a kid on Medicare or 100 years old, premiums are the same. They...

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