Your same Medicare Supplement plan with identical benefits is available from another
company for a lower premium.
Your Part D Drug plan is too expensive, has a high deductible and/or the prescription
co-pays are higher than they should be.
If you have a Medicare Advantage plan, you could be saving money with an excellent
$0 premium plans available in your area.
Your plan doesn't cover medical services that you need, so you have to pay out of
pocket for them.
Your current insurance company now has lower cost plans available but they haven't
told you about them, or they won't let you switch to them.
  Click HERE to learn more about how to save money on your Medicare insurance.

By completing the form below, you are authorizing a licensed insurance agent to contact
you.  Your information will only be given to ONE of our local, licensed specialists.  We do not
sell or rent your information to anyone.  You will be contacted within 24 hrs. with education
& information to help you make the decision that is best for you.  We work with all the major
insurers in your state so that we can help you find the best possible coverage.
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HOSPITALIZATION
A
B
C
D
F*
G
K
L
M
N
  • Part A Deductible ($1,132)
 
X
X
X
X
X
50%
75%
50%
X
  • 61st through 90th day co-pay ($283 per
    day)
X
X
X
X
X
X
50%
75%
X
X
  • 91st through 150th day co-pay ($566
    per day)
X
X
X
X
X
X
50%
75%
X
X
  • All Medicare-approved hospital charges
    after Medicare benefits run out (365
    days lifetime benefit)
X
X
X
X
X
X
50%
75%
X
X
SKILLED NURSING FACILITY CARE
  • 21st - 100th day daily co-pay ($141.50
    per day)
 
 
X
X
X
X
50%
75%
X
X
BLOOD BENEFIT
  • Charges for the first three pints of blood
X
X
X
X
X
X
50%
75%
X
X
Benefits for Plans A, B, C, D, F*, G, K, L, M & N
Medicare (Part A) - Hospital Care
A benefit period begins on the first day you receive service as an inpatient in a hospital 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.
MEDICAL EXPENSES (including home
health care)
A
B
C
D
F
G
K
L
M
N
  • Part B Deductible ($162)
 
 
X
 
X
 
        
  • Part B Co-Insurance (20% of charges)
X
X
X
X
X
X
 Hosp &
Prevent
100%
rest at
50%
 Hosp &
Prevent
100%
rest at
75%
  
$20
Copay
$50 for
ER
  • Part B Excess Charges
 
 
 
 
100%
80%
        
FOREIGN TRAVEL EMERGENCY
CARE
  • 80% of charges over $250 deductible
    ($50,000 lifetime maximum)
 
 
X
X
X
X
    
X
X
AT HOME RECOVERY
      
X
 
X
        
Open Enrollment
The open enrollment period is a period of time that you are eligible to buy a Medicare Supplement policy
from any insurance company and cannot be turned down or rated up for any medical questions on the
application.  You are eligible for open enrollment if you:

(A) are within 6 months of turning 65 years old (about to turn or have already turned 65);

(B) are within 6 months of purchasing Part B coverage for the first time; or

(C) were previously covered under Medicare (due to a disability, for example) and are within 6 months of
turning age 65.

Guaranteed Issue Period
Individuals who are in a Guaranteed Issue period can also buy a Medicare Supplement policy and cannot
be turned down for any reason.  Individuals in a Guaranteed Issue period are not required to answer the
medical questions.  The following are definitions of categories of individuals who are eligible for
Guaranteed Issue under the Balanced Budget Act of 1997:

(A)  Enrolled under an employee welfare benefit plan that either: (1) supplements Medicare, and the plan
terminates, or the plan ceases to provide all such benefits; or (2) is primary to Medicare and the plan
terminates or the plan ceases to provide all health benefits to the individual because the individual leaves
the plan; or

(B)  Enrolled in a Medicare+Choice or a Medicare Advantage plan or Program of All-Inclusive Care for
the Elderly (PACE) and the organization's certification or plan is terminated or specific circumstances
permit discontinuance including, but not limited to, a change in residence of the individual, the plan is
terminated within a residence area, the organization substantially violated a material policy provision, or a
material misrepresentation was made to the individual; or

(C)  Enrolled in a Medicare risk contract, health care prepayment plan, cost contract or medicare Select
plan, or similar organization, and the organization's certification or plan is terminated or specific
circumstances permit discontinuance including, but not limited to, a change in residence of the individual,
the plan is terminated within a residence area, the organization substantially violated a material
certificate/policy provision, or a material misrepresentation was made to the individual, or:

(D)  Enrolled in a Medicare Supplement certfiicate/policy and coverage discontinues due to insolvency,
substantial violation of a material certificate/policy provision, or material misrepresentation; or

(E)  Enrolled under a Medicare Supplement policy, terminates the policy and enrolls in a Medicare
Advantage or Medicare+Choice, a risk or cost contract, or a Medicare Select plan, a PACE provider,
and then the insured person terminates coverage within 12 months of enrollment; or

(F)  Upon first becoming eligible for benefits under Part B at age 65 or older, enrolled in a
Medicare+Choice or a Medicare Advantage or PACE provider and you disenroll within 12 months.

Generally an insurance company will require that you submit documentation as proof that you qualify
under on of these conditions.  You must apply within 63 days of the date of termination of previous
coverage in order to qualify as an eligible person.
Medicare (Part B) - Medical Services (per calendar year)
We are an independent agency and work with many leading insurance companies including:  Mutual of
Omaha, United of Omaha, Coventry, United Commercial Travelers, Blue Cross Blue Shield, Humana,
AARP (United Healthcare), Aetna, Assurant and more.  Being independent means that we can help you shop
around to find the best policy to meet your needs, at the best price available.
Or call us toll-free at
1-866-983-4222

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to the Terms & Conditions of this site.  Privacy Policy.  If you should ever choose not to receive any additional communication from us you can email
us here:  optout@turningpointbenefits.com
*Plan F also has an option called a high deductible Plan F.  This high deductible plan pays the same benefits as Plan F after you
have paid a calendar year $2,000 deductible.  Benefits from high deductible Plan F will not begin until out-of-pocket expenses
exceed $2,000.