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How does Original Medicare work
and why is it important to have a Medicare supplement?
As most
seniors know, Original Medicare is the federal government healthcare plan
which serves seniors age 65 and over. But Medicare only covers 80% of eligible
medical expenses. That leaves a costly gap in your coverage. A supplement like
FirstCommunity Senior Select, fills the gap, covering the other 20% of eligible
medical services.
Supplements are the best way to prevent spending
thousands of dollars out of pocket on eligible expenses that Medicare doesn’t
cover.
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Does
First Community Senior Select Medicare Supplement cover nursing home care?
Medicare only covers the first 20 days in a Medicare-approved
skilled nursing facility.
From day 21 through day 100, without a
supplement, seniors have to pay $119 a day out of their pockets. But with
FirstCommunity’s Plan C, we cover the $119 per day.
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Can you choose your own doctor with
FirstCommunity?
Yes, you can. FirstCommunity encourages you to
choose a physician in the area who admits patients to one of our participating
hospitals.
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How
much can FirstCommunity
Senior Select save you?
Traditional Medicare supplement costs can range from $85 to more than
$200 a month. FirstCommunity Senior Select could save you as much as
50% a month.
And because FirstCommunity Health Plan is the only health plan developed
by doctors and hospitals right here in North Alabama, you can be confident
that you won't have to sacrifice the kind of high-quality health care
you've come to expect.
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Is FirstCommunity
guaranteed renewable every year?
Yes. You don’t have to
worry about not having coverage from year to year.
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What choices do seniors have when it comes to choosing a
Part D Prescription drug plan?
Seniors really have two options:
a. First, you can keep your Original Medicare and add a
Medicare supplement if you don’t already have one. Then choose a separate
Prescription Drug Plan. That’s one option.
b. Second, you can give up your Original Medicare for an Advantage Plan.
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Do you have to give up your Original Medicare in order to
get RX coverage?
No. You do not have to give up your Original
Medicare unless you choose one of the all inclusive plans commonly referred to as
Advantage Plans.
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How do the Advantage Plans work?
On the surface Advantage Plans seem simple, but they can be very complicated.
Seniors must first give up their Original Medicare and then rely on a private
insurance company to manage their health care. That means the private insurance
company will decide which services you are eligible for and whether they will pay
for those services.
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Do they require a lot of co-pays?
Yes, seniors will face multiple
co-pays for physicians, specialists, hospitals, diagnostic services, outpatient
services, an ambulance, the ER or skilled nursing. It could be hundreds or even
thousands of dollars out of their pocket per illness or accident.
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Is that how they offer such low or even
NO premiums?
Exactly. It’s only free if you don’t use it.
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Are Advantage Plans guaranteed
renewable each year?
Advantage Plans
are not guaranteed renewable from year to year.
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What else should seniors know about Advantage
Plans?
Be sure to ask about their summary of
benefits to see exactly what is and isn’t covered. Especially ask for a
detailed list of all the co-pays you might face.
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When I call FirstCommunity, can I speak to a real
person?
YES YOU CAN! We are very proud of our local customer
service. Even though we have over 4000 members in North Alabama, we strive to know
our customers by name. One hundred per cent of FirstCommunity’s focus is on
Seniors. When you call our office, you will speak to someone that lives and works
right here – someone who can answer all of your questions and help guide you
through all the changes in Medicare.
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Can seniors stop by FirstCommunity’s office to
ask questions about supplemental coverage and the new Part D?
We’ll be glad to sit down with seniors, help them figure out
the Part D Drug Plan and show them how FirstCommunity can help them save money on
supplemental coverage. FirstCommunity knows that quality healthcare at an affordable
cost is very important to seniors. As important is the peace of mind that comes from
a company you can trust.
If you have questions, call FirstCommunity in
Huntsville at 532-2783 or toll free (800) 734-7826.
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How can we
offer you high-quality health care coverage for less?
FirstCommunity Senior Select is able to offer you substantially lower costs
because our plan includes a select number of hospitals in the region.
Our lower costs are based on your use of these participating hospitals.
And you'll be pleased to learn that these include many of the region's leading
medical institutions including:
- Athens-Limestone Hospital
- Decatur General Hospital
- Decatur General West Hospital
- Eliza Coffee Memorial Hospital
- Helen Keller Hospital
- Huntsville Hospital
- Huntsville Hospital for Women & Children
- Marshall Medical Center North
- Marshall Medical Center South
- Red Bay Hospital
- Russellville Hospital
- Shoals Hospital
With hospitals like these, you can an be confident of the quality of care
you'll receive.
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What about doctors?
With FirstCommunity Senior Select, you can continue to use any doctor in
the area that you'd like. There are no restrictions for physicians services.
However, since your lower cost is based on a select number of hospitals,
we strongly suggest that you choose a physician who can admit patients to
one of our participating hospitals.
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Is it
difficult to get FirstCommunity
Senior Select?
Not at all. There are two easy ways to enroll.
- Call our information line at 256-532-2780.
(Outside Huntsville, call or 1-800-734-7826)
- Or set up an appointment to learn more from one of our representatives.
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What if I've got questions?
Feel free to contact us for more information. We'll be glad to help you
in any way we can. (We can even help you set up an appointment with one
of our representatives if you'd like.)
In either case, we'll be pleased to give you prompt, courteous help.
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If
I call, am I obligated in any way?
Not at all. Remember this is a NO-RISK offer! We want to make sure that
you are completely happy with your FirstCommunity Senior Select policy.
That's why we give you two easy payment options, and back them both with
a satisfaction guarantee.
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What do I have to do to sign up?
Just phone or mail your application to us and once it's accepted, your policy
becomes effective on the first day of the month following your payment.
For fastest service, enclose a check for your first month's premium along
with your completed application, Then, you can continue with coupon payments
each month. Or simply fill out the convenient bank draft authorization form
and your monthly premium will be automatically deducted.
If for any reason, you're not satisfied, you pay nothing. You're under no
obligation. With FirstCommunity Senior Select, there's no obligation even
after you've paid. Because you can request a full refund for up to 30 days!
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So
what have I got to lose?
Nothing.
Because FirstCommunity Senior Select gives you North Alabama's leading hospitals.
Freedom to use any physician, and the opportunity to substantially lower
costs. So contact us today. Because you've got nothing to lose, and so very
much to gain.
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