My updated 2011 Medicare presentation

1. RL Senior Consutlants “Using Common Sense” RL Senior Consultants

2. Who are we?... Providing the right information to help make the right decisions “Having worked in the senior market for years I was continually frustrated with the way seniors were treated by both agents and their companies. There was always the assumption that they were incapable of making the decision that would be best for them on their own and they were often pressured into products that may not have been in truly their best interest. I have always found seniors to be more than capable of making the right decision when given all the facts. I believe if I provide the right information making the right decisions just becomes a matter of “common sense” Robin Lee President RL Senior Consultants

3. In the Beginning… President Johnson signing the Medicare program into law, July 30, 1965. Shown with the President (on the right in the photo) are (left to right) Mrs. Johnson; former President Harry Truman; Vice-President Hubert Humphrey; and Mrs. Truman. At the bill-signing ceremony President Johnson enrolled President Truman as the first Medicare beneficiary and presented him with the first Medicare card. This is President Truman's application for the optional Part B medical care coverage, which President Johnson signed as a witness. Back then: The average person retiring was male and his average life expectancy was only 68 years! Part B cost just $3.00 a month! 19 million people signed up that first year. RL Senior Consultants

4. Today… People are living much longer, and life expectancy keeps going up! Today there are 47 million people on Medicare By 2030 that number will rise to 79 million! RL Senior Consultants

5. Understanding your Medicare Benefits 2011 Medicare Part A Part A is Hospital Insurance and covers cost associated with confinement in a hospital or skilled nursing facility. RL Senior Consultants

6. Understanding your Medicare Benefits 2011 Medicare Part B Part B is Medical Insurance and covers physician services, out patient care,. test, and supplies RL Senior Consultants

8. Part B deductible

9. Part B 20% including the first 3 pints of blood

10. Part B excess charge (15% of Medicare approved amount)

11. Foreign travel emergency care

12. Skilled nursing facility co-pay

13. Drug coverageRL Senior Consultants

14. What is Part B excess? Medicare assigns a price for any and all covered procedures. If the doctor or hospital accepts this price they are accepting Medicare “assignment” . If they choose to not accept assignment they can charge 15% more than the Medicare approved amount only. “Mayo Clinics don’t currently accept assignment, here is an example of how it could effect your bill”. “How can Excess Charges effect a major hospital stay”? RL Senior Consultants

15. Why Will Excess Charges be a Factor?... The AMA explains that the cost to run a medical practice has risen every year while reimbursements from Medicare go down every year. Where will it end? RL Senior Consultants

16. What Do Doctors Think?... RL Senior Consultants

17. We can fill those gaps!... With a Medicare supplement policy… Plan N has a $20 copayment per office visit and a $50 copayment each ER visit. RL Senior Consultants

18. 2011Part D coverage ... 2011 Basic Medicare Drug Coverage 2011 Basic Benefits You Pay Deductible $310 100% of first $310 Initial Coverage Limit $2840 25% of the next $2530 ($632.50) Coverage Gap $3607.50 100% of the $3607.50 Annual – out- of- pocket amount $4550 Catastrophic Coverage Medicare and Plan 95% 5% RL Senior Consultants

19. New benefits in 2011... “How will the new healthcare law benefit me?” … RL Senior Consultants

20. What are your options?... RL Senior Consultants

22. MA plans are not the same as Medicare Supplement insurance

23. Medicare pays the plan (the insurance company) a set amount every month for your care

24. MA plans must offer all benefits of Original Medicare and can include Part D prescription drug coverageRL Senior Consultants

26. Most have lower out-of-pocket costs than with Original Medicare

27. You may have to use certain healthcare providers

28. You do not need a Medicare Supplement RL Senior Consultants

30. Preferred Provider Organization (PPO)

32. As part of a Medicare Advantage Prescription Drug plan (MAPD)

33. All plans must meet minimum coverage level set by Medicare

34. You should evaluate your prescription drug needs in relation to those covered by the plan, and your cost for those drugsRL Senior Consultants

36. How often do you visit the doctor or hospital?

37. Will the cost savings in monthly premium offset the co-pays?

38. Where is the plan coverage area?

39. Are the added benefits important to you?

40. Can you return to “traditional Medicare” if you are not happy? RL Senior Consultants

41. Things to consider... … with your healthcare. Does your current doctor accept assignment? If so, will he be likely to continue to do so in the future? How often do you visit the doctor? How often do you visit the ER? … with your agent. Can I trust the agent? Who do I call with my questions and concerns? How well do they understand Medicare and my concerns? Are they local? … with the company. Is my policy Guaranteed Renewable? Will they pay my bills quickly? Who will take care of all the paperwork? What is the insurance company’s rating? Is the plan accepted in my area? RL Senior Consultants

42. Something not to consider... RL Senior Consultants

43. Our Full line of Services… Making your healthcare decisions A matter of “using common sense” SERVICES AVAILABLE Medicare Supplements Medicare Advantage Plans Part D Drug Cards Life Insurance Annuities Long Term Care Insurance Supplemental Health Travel Insurance RL Senior Consultants