Important Options, Next Steps and Deadlines Aetna Medicare Advantage PPO Plans Discontinuation of Fairfield County Coverage Read through to maintain the healthcare insurance you need, without interruption!
Currently we represent 8 organizations which offer 36 products in your area. You can always contact Medicare.gov, 1-800-MEDICARE, or your State Health Insurance Program (SHIP) for help with plan choices.
Selecting New Medicare Coverage If you recently received notification that Aetna will no longer offer its Medicare Advantage PPO Plans (your Medicare Advantage Plan) at the end of this year, you must select new Medicare coverage to ensure the same level of healthcare protection, including prescription drug coverage. You must make your selection by December 31, 2024, or you will be placed into Original Medicare and lose your drug coverage.*
Decision Making Snapshot
How to get your coverage (select only one plan)
Original Medicare
Medicare Advantage Plan
Part A Hospital Insurance
Part B Medical Insurance
Part C Combines Part A, Part B, and usually Part D
Step 2: Decide if you need to add drug coverage
Step 2: Decide if you need to add drug coverage
Part D Prescription Drug Coverage (Most Medicare Advantage Plans cover prescription drugs. You may be able to add drug coverage in some plan types if not already included.)
Part D Prescription Drug Coverage
Step 3: Decide if you need to supplemental coverage Medicare Supplement Insurance (Medigap) policy
If you join a Medicare Advantage Plan, you can’t use or be sold a Medicare Supplement Insurance (Medigap) policy.
END
END
Due to the discontinuation of your Aetna plan, you have been granted additional time through February 28, 2025, make your selection. Your new coverage begins on the 1st day of the month after you enroll. If you do not purchase a plan with prescrip- tion drug benefits by the extended deadline, you will not have drug coverage for 2025 and may have to pay a lifetime late- enrollment penalty if you purchase one later. *
More Information on Your Medicare Options
2025 Medicare Advantage Plan Alternatives
2025 Aetna Medicare Value HMO-POS $19.00 Premium Plan:
https://www.dropbox.com/scl/ /z6n4dm463q6dkn9457nuy/2025-SOB-Aetna-Medicare-Value-HMO-POS-19.00-Premium-Plan.pdf?rlkey=rs0oknsexpnljjx82kgrykgvp&st=as3od50v&dl=0
2025 AARP Medicare Advantage from UHC CT-0005 PPO $0.00 Premium Plan:
https://www.dropbox.com/scl/ /d3850kpescq42tdbnjxyg/2025-SOB-AARP-Medicare-Advantage-from-UHC-CT-0005-PPO-0.00-Premium.pdf?rlkey=auv28jfogzfck2s6kwjhzou1u&st=xkl25x2d&dl=0
2025 Anthem Medicare Advantage PPO $2.00 Premium Plan:
https://www.dropbox.com/scl/ /1lg0khe14zikhv68nq5qh/2025-SOB-Anthem-Medicare-Advantage-PPO-Plan-2.00-Premium.pdf?rlkey=pxkmakbj6nfohofhxxhbrtont&st=fmjbuz77&dl=0
2025 Cigna True Choice Medicare PPO $0.00 Premium Plan:
https://www.dropbox.com/scl/ /9tjgfv85xl1h15a3h6lim/2025-SOB-Cigna-True-Choice-Medicare-PPO-0.00-Premium-Plan.pdf?rlkey=vausy7jtwq4iz9uhwdk4wi7s8&st=8fnis9zi&dl=0
2025 ConnectiCare Choice Plan 3 HMO-POS $0.00 Premium Plan:
https://www.dropbox.com/scl/ /5y3y8zuwz46oiyt5b8hmu/2025-SOB-CTCare-Choice-Plan-3-HMO-0.00-Premium.pdf?rlkey=s18hnh953lsllelby1nrgh0th&st=ea8oy3zm&dl=0
2025 ConnectiCare Passage Plan 1 HMO-POS $0.00 Premium Plan:
https://www.dropbox.com/scl/ /uplk089fff4oi1oyqffsc/2025-SOB-CTCare-Passage-Plan-1-HMO-POS-0.00-Premium.pdf?rlkey=xrvhkiafplyze5ghnbj69olae&st=wvfh0h2b&dl=0
ORIGINAL MEDICARE
Medicare Supplement Plan Alternatives
Medicare Supplement PLAN G Estimated monthly premiums range from $211 - $265 Medicare Supplement PLAN N Estimated monthly premiums range from $150 - $206 Medicare Supplement PLAN G High Deductible Estimated monthly premiums range from $50 - $60
The following pages are the Supplemental Plan Options
2024 Medicare Supplement Plan G Patient with a Supplemental Medical Insurance Plan
2024 Medicare Part A Part A is Hospital Insurance for confinement in a hospital or skilled nursing facility per benefit period.
How Original Medicare works with a Medicare Supplement Plan
When you are Hospitalized* for: 1- 60 Days
Medicare Covers: You Pay:
You Pay:
Most confinement costs after the required Medicare deductible All eligible expenses after patient pays a per-day co-payment All eligible expenses after patient pays a per-day co-payment (These are Lifetime Reserve Days that may never be used again)
$1,632 Deductible
$0
$408 A Day Co-payment as much as $12,240 $816 A Day Co-payment as much as $48,960 You Pay All Costs After 20 days $204 A Day Co-payment as much as $16,320
61- 90 Days
$0
91- 150 Days
$0
Nothing
151 Days or More *Skilled Nursing Confinement: Following an inpatient hospital stay of at least 3 days and enter a Medicare-approved skilled nursing facility within 30 days after hospital discharge and receive skilled nursing care Hospice Care: Must meet Medicare’s requirements, including a doctor’s certification of terminal illness Blood Must meet Medicare’s requirements, including a doctor’s certification of terminal illness Other Benefits not covered by Medicare Foreign Travel NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA.
Plan provides 365 add’l days First 20 Days: $0 21-100th Day: $0
All eligible expenses for the first 20 days; then all eligible expenses for days 21-100 after patient pays a per-day co-payment
101th Day and After:
All Costs
You may also pay: A copayment of up to $5 for each prescription drug and other similar products for pain relief and symptom control while you’re at home $0
Medicare Co-payment/Coinsurance
All but very limited co-payment/coinsurance for outpatient drugs and inpatient respite care
F irst 3 Pints: $0 Additional Amounts: $0
100% of approved amount after first 3 pints of blood
First 3 pints
Medicare Pays
Plan N Pays
You Pay
First $250 of each calendar year Remainder of changes
$0
$0
$250
80% to a lifetime maximum benefit of $50,000
20% and amounts over the $50,000 lifetime maximum
$0
*A benefit period begins on the first day you receive service as an inpatient and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.
2024 Medicare Supplement Plan G Patient with a Supplemental Medical Insurance Plan
2024 Medicare Part B Part B is Medical Insurance and covers physicians services, outpatient care, tests, and supplies- per calender year.
On Expenses Incurred for: Annual Deductible Medical Expenses
Medicare Covers:
You Pay:
You Pay:
Incurred Expenses after the required Medicare deductible
$240 Annual Deductible 20% Of approved amount*
$240 Part B Deductible
$0
80% of approved amount
Physician’s services for inpatient and outpatient medical/surgical services; physical/speech therapy; and diagnostic tests Above Medicare Approved Amounts Excess Doctor Charges**
All Costs
$0
0% above approved amount
Nothing for services
Generally 100% of approved amount
Clinical Laboratory Services Home Healthcare Outpatient Hospital Treatment Blood
$0
Nothing for services; 20% of approved amount* for durable medical equipment Coinsurance based on outpatient payment rates
$0
100% of approved amount; 80% of approved amount for durable medical equipment Medicare payment to hospital, based on out- patient procedure payment rates
$0
$0
First 3 pints plus 20% of approved amount for additional pints
80% of approved amount after first 3 pints of blood
*On all Medicare-covered expenses, a doctor or other healthcare provider may agree to accept Medicare assignments. This means the patient will not be required to pay any expenses in excess of Medicare’s approved charge. The patient pays only 20% of the approved charge not paid by Medicare. **Physicians who do not accept assignment of a Medicare claim are limited as to the amount they can charge for a covered service. In 2024, the most a physician can charge for a service covered by Medicare is 115% of the approved amount for nonparticipating physicians (may vary state to state). Note: New York, the most a physician can charge for services covered by Medicare is 105% of the approved amount for nonparticipating physicians, For routine office visits covered by Medicare, a nonparticipating physician can charge up to 115% of the fee schedule amount.
Notes Once you have been billed $226 of Medicare approved amounts for covered services, your Part B deductible will have been met for the calender year.
How Original Medicare works with a Medicare Supplement Plan
2024 Medicare Part A Part A is Hospital Insurance for confinement in a hospital or skilled nursing facility per benefit period.
2024 Medicare Supplement Plan N Patient with a Supplemental Medical Insurance Plan
When you are Hospitalized* for: 1- 60 Days
Medicare Covers:
You Pay:
You Pay:
Most confinement costs after the required Medicare deductible All eligible expenses after patient pays a per-day co-payment All eligible expenses after patient pays a per-day co-payment (These are Lifetime Reserve Days that may never be used again)
$1,632 Deductible
$0
$408 A Day Co-payment as much as $12,240 $816 A Day Co-payment as much as $48,960 You Pay All Costs After 20 days $204 A Day Co-payment as much as $16,320
61- 90 Days
$0
91- 150 Days
$0
Nothing
151 Days or More *Skilled Nursing Confinement: Following an inpatient hospital stay of at least 3 days and enter a Medicare-approved skilled nursing facility within 30 days after hospital discharge and receive skilled nursing care Hospice Care: Must meet Medicare’s requirements, including a doctor’s certification of terminal illness Blood Must meet Medicare’s requirements, including a doctor’s certification of terminal illness Other Benefits not covered by Medicare Foreign Travel NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA.
Plan provides 365 add’l days
First 20 Days: $0 21-100th Day: $0
All eligible expenses for the first 20 days; then all eligible expenses for days 21-100 after patient pays a per-day co-payment
101th Day and After:
All Costs
Medicare Co-payment/Coinsurance
All but very limited co-payment/coinsurance for outpatient drugs and inpatient respite care
You may also pay: A copayment of up to $5 for each prescription drug and other similar products for pain relief and symptom control while you’re at home $0
First 3 Pints: $0 Additional Amounts: $0
100% of approved amount after first 3 pints of blood
First 3 pints
Medicare Pays
Plan N Pays
You Pay
First $250 of each calendar year Remainder of changes
$0
$0
$250
80% to a lifetime maximum benefit of $50,000
20% and amounts over the $50,000 lifetime maximum
$0
*A benefit period begins on the first day you receive service as an inpatient and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.
2024 Medicare Supplement Plan N Patient with a Supplemental Medical Insurance Plan
2024 Medicare Part B Part B is Medical Insurance and covers physicians services, outpatient care, tests, and supplies- per calender year.
On Expenses Incurred for: Annual Deductible Medical Expenses
Medicare Covers:
You Pay:
You Pay:
Incurred Expenses after the required Medicare deductible
$240 Annual Deductible 20% Of approved amount*
$240 Part B Deductible
Up to $20 per office visit and up to $50 per emergency room visit. The co-payment of up to $50 is waived if the insured is admitted to any hospital and the emergency visit is covered as a Medicare Part A expense
80% of approved amount
Physician’s services for inpatient and outpatient medical/surgical services; physical/speech therapy; and diagnostic tests Above Medicare Approved Amounts Excess Doctor Charges**
All Costs
All Costs
0% above approved amount
Clinical Laboratory Services Home Healthcare Outpatient Hospital Treatment Blood
Nothing for services
Generally 100% of approved amount
$0
$0
Nothing for services; 20% of approved amount* for durable medical equipment Coinsurance based on outpatient payment rates
100% of approved amount; 80% of approved amount for durable medical equipment Medicare payment to hospital, based on out- patient procedure payment rates 80% of approved amount after first 3 pints of blood
$0
First 3 pints plus 20% of approved amount for additional pints
$0
*On all Medicare-covered expenses, a doctor or other healthcare provider may agree to accept Medicare assignments. This means the patient will not be required to pay any expenses in excess of Medicare’s approved charge. The patient pays only 20% of the approved charge not paid by Medicare. **Physicians who do not accept assignment of a Medicare claim are limited as to the amount they can charge for a covered service. In 2024, the most a physician can charge for a service covered by Medicare is 115% of the approved amount for nonparticipating physicians (may vary state to state). Note: New York, the most a physician can charge for services covered by Medicare is 105% of the approved amount for nonparticipating physicians, For routine office visits covered by Medicare, a nonparticipating physician can charge up to 115% of the fee schedule amount.
Notes Once you have been billed $226 of Medicare approved amounts for covered services, your Part B deductible will have been met for the calender year.
2024 Medicare Supplement Plan G High Deductible
2024 Medicare Part A Part A is Hospital Insurance for confinement in a hospital or skilled nursing facility per benefit period.
How Original Medicare works with a Medicare Supplement Plan
When you are Hospitalized* for: 1- 60 Days
Medicare Covers:
You Pay:
You Pay:
Most confinement costs after the required Medicare deductible All eligible expenses after patient pays a per-day co-payment All eligible expenses after patient pays a per-day co-payment (These are Lifetime Reserve Days that may never be used again)
$1,632 Applied toward deductible $408 A Day Co-payment as much as $12,240 $816 A Day Co-payment as much as $48,960 You Pay All Costs After 20 days $204 A Day Co-payment as much as $16,320
$0*
$0*
61- 90 Days
$0*
91- 150 Days
Nothing
365 Days or More *Skilled Nursing Confinement: Following an inpatient hospital stay of at least 3 days and enter a Medicare-approved skilled nursing facility within 30 days after hospital discharge and receive skilled nursing care Hospice Care: Must meet Medicare’s requirements, including a doctor’s certification of terminal illness Blood Must meet Medicare’s requirements, including a doctor’s certification of terminal illness
Plan provides 365 add’l days
All eligible expenses for the first 20 days; then all eligible expenses for days 21-100 after patient pays a per-day co-payment
First 20 Days: $0 21-100th Day: $0
101th Day and After:
All Costs
You may also pay: A copayment of up to $5 for each prescription drug and other similar products for pain relief and symptom control while you’re at home $0
Medicare Co-payment/Coinsurance
All but very limited co-payment/coinsurance for outpatient drugs and inpatient respite care
100% of approved amount after first 3 pints of blood
First 3 pints
First 3 Pints: $0 Additional Amounts: $0
* After $2,800 deductible you pay $0 This is not an up-front deductible. HDG option, you cover the Medicare out of pocket deductible and co-insurance until the total out-of-pocket of $2,800 is met, then the plan pays 100% of the covered services for the rest of the calender year.
Other Benefits not covered by Medicare Foreign Travel NOT COVERED BY MEDICARE Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA.
Medicare Pays
Plan N Pays
You Pay
First $250 of each calendar year Remainder of changes
$0
$0
$250
80% to a lifetime maximum benefit of $50,000
20% and amounts over the $50,000 lifetime maximum
$0
*A benefit period begins on the first day you receive service as an inpatient and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.
2024 Medicare Part B Part B is Medical Insurance and covers physicians services, outpatient care, tests, and supplies- per calender year.
2024 Medicare Supplement Plan G High Deductible
On Expenses Incurred for: Annual Deductible Medical Expenses
Medicare Covers:
You Pay:
You Pay:
Incurred Expenses after the required Medicare deductible
$0*
$240 Annual Deductible 20% Of approved amount*
$0*
80% of approved amount
Physician’s services for inpatient and outpatient medical/surgical services; physical/speech therapy; and diagnostic tests Above Medicare Approved Amounts Excess Doctor Charges**
$0*
All Costs
0% above approved amount
Nothing for services
Generally 100% of approved amount
$0*
Clinical Laboratory Services Home Healthcare Outpatient Hospital Treatment Blood
$0*
Nothing for services; 20% of approved amount* for durable medical equipment Coinsurance based on outpatient payment rates
100% of approved amount; 80% of approved amount for durable medical equipment Medicare payment to hospital, based on out- patient procedure payment rates
$0*
First 3 pints plus 20% of approved amount for additional pints
$0*
80% of approved amount after first 3 pints of blood
* After $2,800 deductible you pay $0 This is not an up-front deductible. HDG option, you cover the Medicare out of pocket deductible and co-insurance until the total out-of-pocket of $2,800 is met, then the plan pays 100% of the covered services for the rest of the calender year.
*On all Medicare-covered expenses, a doctor or other healthcare provider may agree to accept Medicare assignments. This means the patient will not be required to pay any expenses in excess of Medicare’s approved charge. The patient pays only 20% of the approved charge not paid by Medicare. **Physicians who do not accept assignment of a Medicare claim are limited as to the amount they can charge for a covered service. In 2024, the most a physician can charge for a service covered by Medicare is 115% of the approved amount for nonparticipating physicians (may vary state to state). Note: New York, the most a physician can charge for services covered by Medicare is 105% of the approved amount for nonparticipating physicians, For routine office visits covered by Medicare, a nonparticipating physician can charge up to 115% of the fee schedule amount. Notes Once you have been billed $226 of Medicare approved amounts for covered services, your Part B deductible will have been met for the calender year.
About Us
Get Clear, Concise Answers to All Your Health Insurance Questions Hello! We’re Mark Bentley and Curtis Bentley, owners of Health Directions, a family-owned insurance firm focused solely on health insurance— and, of course, you. Because with health insurance, there’s no one-size fits all. In the Fairfield, Connecticut area, we’re the health and dental insurance experts. Whether you’re ready to sign up for Medicare, looking to protect your assets with long-term care insurance, or exploring protection for your family or business, we’re here to help you cut to the chase and make the right decisions. Call us for a free planning session. 203-255-7700
Mark Bentley Mark@Health-Directions.com
Mar Bentle & Curti Bentle
Curtis Bentley Curtis@Health-Directions.com
To get a quote, follow either Link below: For a quote from Mark: https://pinnacle7.destinationrx.com/PC/Agent/u/TUFSS0ZCRU5UTEVZ/Consumer?SourceSiteType=YnJva2Vy&AgentLoginDomain=UGlubmFjbGVfUENCcm9rZXJfUFJPRA%3d%3d&PY=1 For a quote from Curtis: https://pinnacle7.destinationrx.com/PC/Agent/u/Q1VSVElTR0JFTlRMRVk/Consumer?SourceSiteType=YnJva2Vy&AgentLoginDomain=UGlubmFjbGVfUENCcm9rZXJfUFJPRA%3d%3d&PY=1
1300 Post Road Suite 100 Fairfield, CT 06824 f: (203) 65 9 -7361
For a no-obligation strategy planning session call us today (203) 255-7700 https://health-directions.com
Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12Made with FlippingBook interactive PDF creator