What is Credible Coverage?

The Medicare Modernization Act (MMA) requires entities (whose policies include prescription drug coverage) to notify Medicare eligible policyholders, and let them know if their medical coverage is Medicare creditable coverage. This means that the coverage is expected to pay, on average, as much as Original Medicare and/or a typical Medicare Part D drug plan.

We take the mystery out of Medicare Plans

Senior couple discussing Medicare plans

Medicare is a complex subject. You may want to start here to get the main ideas behind it. Then you can dig deeper into the topics that are most important to you. Here’s a sample of what you’ll learn:

If you do decide to switch polices after open enrollment, do not cancel your current plan until you have received your new policy and cards and have reviewed it.

The Annual Open Enrollment Period (AEP) for Medicare Advantage (MAPD) and Medicare Part D (PDP) plans starts October 15th and runs until December 7th. However, if you have a Medicare Supplement, for example, Plans F, G or N and you don't have chronic health conditions you can apply right now to save money and optimize your coverage.

If you are new to Medicare (IEP) or (SEP) you are in Open Enrollment and you cannot be denied the coverage of your choice or asked any medical questions, any pre-existing conditions you may have will be covered. Plans are subject to state availability.

Call Joe or Mercedes Ritter for more information or to schedule an appointment 1-844-424-9426.

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Your Medicare journey will be smoother when you understand the rules of the road.

While Medicare provides a vital service to millions of Americans, many medical costs are not paid by Medicare and become the personal financial responsibility of the individual. For many people, the unanticipated out-of-pocket expenses for medical treatment or hospitalization become a tremendous financial hardship.

Joe and Mercedes Ritter established Insurance You Keep to provide free local expert guidance and life long customer service so you can have peace of mind knowing you have the best coverage and your expenses not paid by Original Medicare are covered and paid for. Many of the standardized plans are offered by top companies, depending on product availability in your state. Your policy cannot be canceled or increase in price due to changes in your health or the number of times you are hospitalized.

The plans pay regardless of any other insurance you may have, and most plans cover health conditions immediately with no exclusion for pre-existing conditions.

Many Medicare beneficiaries might be unsure about how Medicare works exactly. We specialize in explaining Medicare in simple, easy to understand terms. Below are some frequently asked questions about Medicare supplemental insurance plans, and answers explaining their coverage.

Have a question you would like answered about Medicare plans added to this list? Please submit your question via our contact form.

** Yearly customer savings based on an Insurance You Keep survey of existing policyholder‘s savings during the year of 2014. Individual savings may vary, and are not guaranteed. Coverages and discounts subject to state availability and individual eligibility.

** By completing the contact form above or calling the number listed above, you will be directed to a local licensed insurance agent who can answer your questions and provide information about Medicare Advantage, Part D or Medicare supplement insurance plans. Neither Insurance You Keep nor its agents are connected with or endorsed by the U.S. government, the federal Medicare program or any State Agency.

Our Trusted Insurance Partners

Every insurance company Insurance You Keep is authorized to represent has been carefully chosen to provide favorable rates and excellent Medicare coverage for Medicare supplement, Medicare Advantage, and prescription drug plans.

With our help you can save hundreds of dollars each year while making sure all your needs are met. At Insurance You Keep, the work has already been done for you. We save you time and money by providing unbiased rate comparisons of up to 1000 plans from some of the most prestigious insurance carriers on the market.

We Only Work with Highly Rated Carriers

Insurance You Keep uses the A.M. Best Financial Strength rating system to select insurance providers to partner with. A.M. Best is an independent rating organization that assigns ratings measuring financial strength or claims-paying abilities. They consider factors such as overall operating performance, asset quality, financial flexibility, and capitalization. Each company’s policies have their own terms, exclusions, limitations, and reductions for keeping them in force. Contact Joe or Mercedes Ritter with Insurance You Keep for more details.

This website and its contents are for informational purposes only.

Nothing on the website should be used as a substitute for professional medical, legal or tax advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about medication, exercise or dietary routine. The purpose of this communication is the solicitation of insurance. You will be contacted by Joseph or Mercedes Ritter. No Medicare Supplement insurance plan is connected with or endorsed by the U.S. government or the federal Medicare program. mymedicareadvisor.healthcare and insuranceyoukeep.com are owned and operated by Insurance You Keep, a licensed health insurance agency in DE, MD and PA and certified to sell Medicare Supplement products. CMS and Medicare has neither reviewed nor endorsed this information.

Your premium could vary depending on your age, health, issuing company and other factors like discounts. Not all products are available in all states.

Are you retiring or losing coverage after age 65?

Do you need to prove that you had no lapse in creditable coverage? You and your employer or spouse's employer will need to fill out these form's and return them to Social Security. Disclosure: Insurance You Keep is not affiliated, associated or endorsed by any State or Federal Agency and you should work directly with Social Security to enroll in Medicare. We are licensed insurance producers independently offering approved health insurance plans underwritten by private insurance carriers.

Request for Employment Information

Application for Enrollment in Medicare Part B (Medical Insurance)

Have Questions About Medicare?

Call us at 1-844-424-9426 to speak with us.

Please choose a company below to read our disclosures.

About Aetna:

Founded in 1853 in Hartford, Connecticut, Aetna is one of the nation’s leading providers of health care. Aetna offers a broad range of insurance and employee benefits products.

Rating: A.M. Best Financial Strength Rating of A (Excellent) as of August 2014.*

Customer Service:

"Everything we do at Aetna starts with our values—a clear, strongly held set of core beliefs that reflect who we are and what you can expect from us. We created our core values together, as one company with more than 30,000 individual voices, and with guidance from our customers. Our values carry through our thoughts and actions every day, inspire innovation in our products and services, and drive our commitment to excellence in all we do."

* Three of the highest ratings of 16 by one of America’s leading insurance rating services. A.M. Best is an independent rating organization that assigns ratings measuring financial strength or claims-paying abilities. They consider factors such as overall operating performance, asset quality, financial flexibility, and capitalization. These ratings are current as of 2016. Each company’s policies have their own terms, exclusions, limitations, and reductions for keeping them in force.

About Humana

Humana’s diverse lines of business work to serve all types of consumers, including families, those with Medicare, military members and self-employed business owners. Humana has been serving people with Medicare for over 25 years. They can help you find a Humana Medicare plan that fits your medical and financial needs.

Rating: A.M. Best Financial Strength Rating of A (Excellent) as of August 2014.*

Customer Service:

You have questions, Humana has answers. Humana helps you understand how Medicare works, and how you can avoid stress when you’re ready to enroll. Humana knows you’re busy. That’s why they’ve made it easy to get a hold of someone on the Customer Care team. Whether you have a question about enrollment, want to check the status of a claim, or ask questions regarding your plan, Humana is there to help.

* Three of the highest ratings of 16 by one of America’s leading insurance rating services. A.M. Best is an independent rating organization that assigns ratings measuring financial strength or claims-paying abilities. They consider factors such as overall operating performance, asset quality, financial flexibility, and capitalization. These ratings are current as of 2016. Each company’s policies have their own terms, exclusions, limitations, and reductions for keeping them in force.

Humana is a Medicare Advantage organization with a Medicare contract. Enrollment in a Humana plan depends on contract renewal.

About Mutual of Omaha

Founded in 1909, Mutual of Omaha Insurance Company is a full-service, multi-line provider of insurance and financial services products for individuals, businesses and groups throughout the U.S.

Rating: A.M. Best Financial Strength Rating of A+ (Superior) as of August 2014.*

Customer Service

With its focused business strategy, disciplined investment practices and talented, engaged workforce, you can have confidence that Mutual of Omaha will remain committed to helping you through all life’s transitions.

* Three of the highest ratings of 16 by one of America’s leading insurance rating services. A.M. Best is an independent rating organization that assigns ratings measuring financial strength or claims-paying abilities. They consider factors such as overall operating performance, asset quality, financial flexibility, and capitalization. These ratings are current as of 2016. Each company’s policies have their own terms, exclusions, limitations, and reductions for keeping them in force.

Disclosure: This is not a complete list of carriers available in your service area. For a complete listing, please contact 1-800-MEDICARE or consult www.medicare.gov.

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