Author Archives: mutsko

Enrollment in Affordable Care Health Insurance

The Affordable Care Act, often referred to as Health Care Reform, is designed to remove obstacles to quality, low-cost health insurance for millions of Americans. It guarantees that no one will have to fear the loss of their health insurance if they change jobs or get laid off. There is also greater protection for people with pre-existing conditions.  Open enrollment takes place each fall, however you may qualify for a Special Enrollment Period outside of open enrollment if you have had a life changing event. Contact us for details.

Learn More 

click here.


What To Do If Your Advantage Plan Is No Longer Available

Is your plan still available in your county?

Some popular Medicare Advantage Plans are being discontinued in Lake and other Ohio Counties. Please read your Annual Notice of Change carefully to make sure yours is not one of these.
If it is, there is no need to panic. Call me at 440-255-5700. I’ll help you find a comparable plan to suit your needs. You have until December 7 to shop around and switch to different Advantage plan.While you’re checking, look to see if your current plan has made significant changes in other areas of coverage including:
–       Co-pays
–       Out of Pocket Costs
–       Prescription Costs & Formularies
–       Doctors in your networkIf you find changes, call me and we’ll figure out if there’s a plan that’s more suitable for you.
As an independent agent, I represent many of the most respected insurance companies in Ohio and I will shop around and help you find the best plan, premium and company based on your needs. You never pay a dime for my services.

Please review your Annual Notice of Change, today. If you have elderly family members or friends, please help them review their plans, too. Don’t wait until it’s too late. Call me if you have questions and we’ll set up an appointment to do a Medicare review together.

Medicare Part D Prescription Coverage.

PIlls StackedMedicare offers prescription drug coverage to everyone with Medicare. If you decide not to join a Medicare Prescription Drug Plan when you’re first eligible, and you don’t have other creditable prescription drug coverage, or you don’t get extra help, you’ll likely pay a late enrollment penalty.

To get Medicare drug coverage, you must join a plan run by an insurance company or other private company approved by Medicare. Each plan can vary in cost and drugs covered.

Medicare Part D Prescription Drug Coverage is included in many Medicare Advantage Plans.

To learn more about Medicare Prescription Drug Coverage, please contact me. I will help you find the plan that offers the best coverage for your prescription needs and budget.


Medicare Supplements

What’s Medicare Supplement (Medigap) Insurance?

Stethoscope Heart Medicare Supplement Insurance, often referred to as Medigap Insurance, helps to pay some of your health care costs that Original Medicare doesn’t cover including copayments, coinsurance, and deductibles. All policies offer the same basic benefits but some offer additional benefits, so you can choose the one that best meets your needs.

A Medigap policy is different from a Medicare Advantage Plan.

To learn more about Medicare Supplement Insurance, please contact me. My goal is to provide you with a plan that offers the best coverage to meet your health care needs and budget.


Medicare Advantage Plans

$ PillsA Medicare Advantage Plan is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations (HMO’s), Preferred Provider Organizations (PPO’s), Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans. If you’re enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren’t paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage.

To learn more about Medicare Advantage Plans, call me to schedule a personal appointment or attend one of my “Getting Started with Medicare Seminars” in your area. For a list of upcoming seminars, click here.

My goal is to provide you with the Medicare Advantage Plan that offers the best coverage to meet your health care needs and budget.


Are You Baffled By Medicare?

Got questions on Medicare?
Find health insurance baffling?Please join me for:Getting Started with Medicare
Morley Library
Thursday, October 17, 2013
6:30 pm – 8:00 pm
814 Phelps St., Painesville, OH 44077

We will spend an hour and a half delving into Medicare and what going on Medicare will mean for you.

This class is free, but we request you pre-register by calling 440-255-5700 to make sure we have enough materials for everyone who attends.

Click here for other class dates, times, and registration information

(These events are only for educational purposes and no plan specific benefits or details will be shared.)

Premiums. Co-Pays. Co-Insurance. Do You Understand These Medicare Terms?

Here’s some information to help you understand the terms used to describe your Medicare costs. (reposted from Medicare Made Clear)
Whether you get your Medicare benefits through Original Medicare or through a Medicare Advantage, you are likely to have some out-of-pocket costs. The key is to understand upfront what you will be charged for and how the amount you are charged is determined. With this information, you can start to estimate what you might pay out-of-pocket with different plans you might be considering during Medicare Open Enrollment.

Here is a brief explanation of the main ways that Medicare shares the cost of your care with you.

  • Premium – This is a fixed amount you may have to pay, usually monthly, to participate in a Medicare Advantage or other private Medicare health plan. If you are enrolled in Medicare Part B, you also pay a premium to Medicare. Part A is premium free for most people. Some Medicare Advantage plans do not have a premium.
  • Deductible – This is a fixed amount you must pay for your medical care before Medicare or other insurance pays. Deductibles apply during a calendar year, and the amount can vary among private Medicare plans of the same type. With Original Medicare, Part A and Part B each have a deductible. Some plans may not have a deductible.
  • Copayment – Also known as a copay, this is a fixed amount you pay for a service or product at the time you get it. With a standalone Medicare prescription drug plan (Part D), for example, you might pay a $10 or $20 copayment each time you fill or refill a prescription.
  • Coinsurance – This is what you pay when the total cost of a service or product you receive is split with your plan. It is a percentage. For example, Medicare Part B might pay 80% of the cost for a visit to your doctor, and you would pay 20%.

Both Original Medicare private Medicare plans use these cost-sharing methods. But each plan has its own terms and conditions, so it’s important to read the plan material carefully.

Got Questions On Medicare Or The New Health Insurance Marketplace?

You’re not alone!

With the introduction of the new Health Insurance Marketplace coming almost at the same time with Medicare Open Enrollment, it’s no wonder so many people have questions. The good news is that we have time to get all your questions answered before open enrollment closes on December 7 for Medicare. Call me at 440-255-5700 or email me at and we’ll talk.

If you’re turning 65 or going on Medicare for the first time, please attend Getting Started with Medicare.. This class is designed to make Medicare easy to understand for those new to Medicare or those who want a refresher on it.

In all, I will presenting Getting Started with Medicare at more than a dozen locations in the coming weeks. Here’s a link to all my upcoming classes:

You’ll find classes conveniently located in Lake, Cuyahoga, Geauga, Summit and Lorain Counties.

Health Insurance Facts – Some Key Dates

There are some key dates you’ll want to mark on your calendar:

  • October 1, 2013: Health Insurance Marketplace Open Enrollment period begins
  • January 1, 2014: New Health coverage can start
  • March 31, 2014: Open enrollment ends

Medicare recipients have a different set of Open Enrollment dates. These are

  • October 1, 2013: Medicare Open Enrollment period begins
  • December 7, 2013:  Medicare Open Enrollment Period ends
  • January 1, 2014:  Medicare changes go into effect for 2014