Why You Need a Medicare Broker: Navigating Your Plan Like a Pro

Hey there, Medicare adventurers! ????

Ever found yourself in the middle of a densely wooded area with nothing but a half-broken compass and a sense of impending doom? Okay, maybe that’s a bit dramatic, but that’s how the world of Medicare can feel if you don’t have a guide.

Enter the Medicare Broker: Your Personal GPS

Yep, that’s right. A Medicare broker is like that GPS system in your RV that’s led you safely through winding mountain roads and found you the best dispersed camping spots. The idea here is simple: you’re not just buying a plan; you’re investing in an ongoing service. ????️

Trust Is a Must

There’s nothing like the bond between an angler and their fishing guide—unless it’s the relationship between you and a trusted Medicare broker. This person knows the ins and outs of Medicare like a fish knows water. They’re your go-to for everything from selecting the right plan to maximizing all the perks you didn’t even know you had. ????

The Down-Low on the Jargon

Ever felt like Medicare speaks another language? You’re not alone. Your broker translates that jargon into good ol’ everyday English, making sure you don’t end up with a plan that’s more confusing than a 5-layer bean dip recipe. ????

Count on ’em, Rain or Shine

Whether you’re navigating the Annual Enrollment Period or dealing with unexpected health challenges, a good broker is there for you. Just like how you’d count on a trusty RV mechanic to get you back on the road, a broker keeps your Medicare journey smooth sailing. ????️

The Freedom of Choice

Brokers offer a wide array of plans from different providers. It’s like being in a candy store, except this candy helps you live better. More choices mean more freedom, and who doesn’t like the sound of that? ????


So, next time you’re drowning in Medicare pamphlets and don’t know where to start, just remember: finding a trusted broker is like finding the perfect RV spot—once you’re there, everything else falls into place. ????

Ready to find your Medicare guide? Contact us at Medicare Mentors, a division of AmeriNet Life and Health. Because the only thing better than a great plan is someone to help you make the most of it. ????

Medicare Plan G vs Plan N

Medicare Plan G and Plan N are both popular Medicare supplement insurance plans, also known as Medigap plans. These plans are designed to work alongside Original Medicare (Part A and Part B) to help cover out-of-pocket costs such as deductibles, coinsurance, and copayments. Here’s a comparison of Medicare Plan G and Plan N:

Medicare Plan G:

  1. Coverage: Plan G offers comprehensive coverage. It covers almost all of the gaps in Original Medicare except for the Part B deductible. This means it covers your Part A deductible, skilled nursing facility coinsurance, Part A and Part B coinsurance or copayments, and more.
  2. Part B Deductible: The only cost not covered by Plan G is the annual Part B deductible. Beneficiaries are responsible for paying this deductible themselves before the plan starts covering their Part B costs.
  3. Predictability: Plan G provides more predictable costs because once you’ve paid the Part B deductible, you typically won’t have many additional out-of-pocket costs for Medicare-approved services during that year.
  4. Premiums: Premiums for Plan G tend to be higher than some other plans, like Plan N, due to the comprehensive coverage it offers.

Medicare Plan N:

  1. Coverage: Plan N provides similar coverage to Plan G, but there are a few differences. Plan N covers your Part A coinsurance and hospital costs, Part B coinsurance or copayments (except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission), and more.
  2. Cost Sharing: With Plan N, you may have some cost-sharing in the form of copayments for certain services. This can include up to a $20 copayment for office visits and up to a $50 copayment for emergency room visits (that don’t lead to an inpatient admission).
  3. Part B Excess Charges: Plan N doesn’t cover Part B excess charges, which are additional charges that some doctors and providers may charge beyond the Medicare-approved amount. Beneficiaries are responsible for paying these excess charges themselves.
  4. Premiums: Premiums for Plan N are generally lower than those for Plan G due to the cost-sharing elements and the fact that it doesn’t cover Part B excess charges.

When deciding between Medicare Plan G and Plan N, it’s important to consider your individual healthcare needs, budget, and preferences. If you’re willing to pay slightly higher premiums for more comprehensive coverage and a more predictable cost structure, Plan G might be a good choice. On the other hand, if you’re looking for lower premiums and are comfortable with some cost-sharing for office and ER visits, Plan N could be a suitable option. It’s recommended to compare the plans’ benefits, costs, and your own health situation before making a decision.

Benefits of Medicare Advantage

Medicare Advantage Benefits: Understanding Your Options

If you’re approaching age 65 or have been enrolled in Medicare for some time, you might be wondering what your options are when it comes to healthcare coverage. One popular choice is Medicare Advantage, which is a type of health insurance plan that offers many benefits beyond Original Medicare. In this blog post, we’ll explore the key advantages of Medicare Advantage, so you can make an informed decision about your healthcare coverage.

  1. Comprehensive Coverage

Medicare Advantage plans typically provide more comprehensive coverage than Original Medicare. These plans are required to cover all of the same services as Original Medicare, but they can also include additional benefits such as dental, vision, and hearing care. Many Medicare Advantage plans also cover prescription drugs, which can be a huge help for those who need regular medications.

  1. Network Flexibility

Another benefit of Medicare Advantage plans is that they often offer network flexibility. Unlike Original Medicare, which allows you to see any doctor who accepts Medicare, Medicare Advantage plans typically require you to use providers within their network. However, many Medicare Advantage plans have large networks that include a wide range of providers, so you still have plenty of options.

  1. Cost Savings

Medicare Advantage plans can also save you money on healthcare costs. While you’ll still pay your monthly Medicare Part B premium, many Medicare Advantage plans have lower out-of-pocket costs than Original Medicare. Some plans also have a maximum out-of-pocket limit, which can give you peace of mind knowing that your healthcare costs won’t spiral out of control.

  1. Wellness Programs

Many Medicare Advantage plans also offer wellness programs that can help you stay healthy and manage chronic conditions. These programs may include gym memberships, nutrition counseling, disease management programs, and more. By taking advantage of these programs, you can improve your overall health and potentially reduce your healthcare costs over time.

  1. Convenience

Finally, Medicare Advantage plans can be more convenient than Original Medicare. Many plans offer additional benefits such as telehealth services, which allow you to see a doctor from the comfort of your own home. Some plans also offer transportation services to help you get to and from medical appointments.

In conclusion, Medicare Advantage plans offer many benefits beyond Original Medicare. With comprehensive coverage, network flexibility, cost savings, wellness programs, and convenience, Medicare Advantage can be a great choice for those who want more comprehensive healthcare coverage. If you’re considering Medicare Advantage, be sure to research the different plans available in your area and choose one that meets your unique healthcare needs.

Medicare 101

I am not a financial advisor or insurance expert, but I can provide some general information on this topic.

When you become eligible for Medicare, you have an initial enrollment period to sign up for both Medicare Part A (hospital insurance) and Part B (medical insurance). This initial enrollment period begins three months before the month you turn 65, includes your birthday month, and ends three months after your birthday month.

Medigap, also known as Medicare Supplement Insurance, is private insurance that helps cover some out-of-pocket costs not covered by Original Medicare (Part A and Part B). There is a one-time Medigap Open Enrollment Period (OEP) that starts when you are both 65 or older and enrolled in Medicare Part B. The OEP lasts for six months.

During the Medigap OEP, insurance companies are required to sell you a Medigap policy regardless of your health status, and they cannot charge you a higher premium based on any pre-existing conditions. After this six-month period, you can still apply for Medigap, but insurance companies can use medical underwriting to determine your eligibility and premium rates.

It’s generally a good idea to start researching Medigap plans and considering your options before your Medigap OEP begins. This will give you time to compare different plans, providers, and costs, and ensure that you make an informed decision. You can sign up for a Medigap policy during your OEP, and in many cases, coverage will begin immediately after your Medicare Part B coverage starts.

However, before making any decisions, it’s important to consult with a licensed insurance agent or financial advisor, as they can provide personalized guidance based on your specific needs and circumstances.

Hello World!

Welcome to AmeriNet Life and Health and Medicare Mentors

This is a new beginning for us. We’re Dave and Michele Johnson. After over 11 years in the insurance industry and over 5 in health and Medicare we’ve finally launched a website to serve our clients. Here we’ll attempt to cover various topics relating to life and health insurance in a form that’s as easy to understand as we can possibly make it.

Our goal is to provide you with the information you’ll need to make wise insurance choices. Your insurance policies need to coordinate in a way that gives you the best coverage for your premium dollar without over-spending or worst under-protecting you and your family. Let’s face it, no-one likes spending money on insurance. But unless you’re Bill Gates or Elon Musk and have the assets to self-insure you’re going to have to spend a percentage of your income on insurance. Otherwise you leave yourself and your family in financial peril. One slip and fall or traffic accident, or heaven forbid a dire health event can leave you multi-six figures in debt.

As with any good financial plan we like to first look at your current situation, get an idea of where you see yourself going in life and plan accordingly. As with financial planning, preparing for a good life and health portfolio can depend on several variables; risk tolerance, income, size of your family and family dynamics for a start. What’s important to you and what kind of value do you place on the various aspects.

Bottom line, a properly structured life and health plan will provide the average family with near blanket coverage for thousands of dollars a year less than a piecemeal approach. I look forward to exploring how that is accomplished over the next few months. After that we’ll do deep dives into the details of each of the various forms of life and health insurance. Each has their own place in the picture and it’s a good idea to understand how they work.