Medicare only covers the first 20 days in a Medicare-approved skilled nursing facility. From day 21 through day 100, without a supplement, seniors have to pay $176.00 a day out of their pockets. But with FirstCommunity's Plan C, we cover the $176.00 per day. In addition, if you purchased a Plan C with an effective date prior to 2020, your Part B deductible is covered as well. However, if you have a Plan G, your Part B deductible is not covered.
YES, YOU CAN! We are known for our exceptional level of local customer service. Even though we have about 4000 members in North Alabama, we strive to know our customers by name. One hundred percent of FirstCommunity's focus is on seniors. When you call our office, you will speak to someone that lives and works right here - someone who can answer all of your questions and help guide you through all the changes in Medicare.
YES, YOU CAN! FirstCommunity encourages you to choose a physician in the area who admits patients to one of our participating hospitals.
The plan is based on using the leading hospitals in the North Alabama region, and our premiums are based on your current age - the age you have attained. So premiums are lower for younger buyers. Also, FirstCommunity is a not-for-profit company based right here in North Alabama whose goal is to help seniors in their service area have the best health care available at rates they can afford. FirstCommunity's network of leading hospitals can be found here.
YES. You don't have to worry about not having coverage from year to year.
On the surface they seem simple, but they can be very complicated. Seniors must first give up their original Medicare and then rely on a private insurance company to manage their health care. That means the private insurance company will decide which services you are eligible for and whether they will pay for those services.
Yes, seniors will face multiple co-pays for physicians, specialists, hospitals, diagnostic services, outpatient services, an ambulance, the ER or skilled nursing. It could be hundreds or even thousands of dollars out of their pocket per illness or accident.
Exactly. It's only free if you don't use it, so to speak. And Advantage Plans are not guaranteed renewable. Why gamble with your health care just because you're healthy today? You never know what could happen.
Absolutely. No one wants to spend thousands of dollars out of pocket when a supplement can help fill that gap.
Seniors really have two options:
- First, you can keep your Original Medicare and add a Medicare supplement if you don't already have one. Then choose a separate Prescription Drug Plan.
- Second, you can give up your Original Medicare for an Advantage Plan.
No. You do not have to give up your Original Medicare unless you choose one of the all inclusive plans commonly referred to as Advantage Plans.
Ask about their summary of benefits to see exactly what is and isn't covered. Especially ask for a detailed list of all the co-pays you might face. At FirstCommunity in Huntsville, Alabama, we'll be glad to sit down with you, help you figure out the Part D Drug Plan and show you how to save money on supplemental coverage. Isn't that what's most important? Quality health care at an affordable cost. Plus the peace of mind that comes from a company you can trust.
Yes. The staff at FirstCommunity will be glad to sit down with you, help you figure out the Part D Drug Plan and show you how FirstCommunity can help them save money on supplemental coverage. At www.aldoi.gov. you will find a comprehensive cost and benefit comparison of available Medicare Supplemental Plans and www.medicare.gov for Part D drug coverage for area seniors.
Feel free to contact us for more information. We'll be glad to help you in any way we can.
Not at all. Remember this is a NO-RISK offer! We want to make sure that you are completely happy with your FirstCommunity policy. That's why we give you two easy payment options, and back them both with a satisfaction guarantee.
Just give us a call or mail your application to us and once it's accepted, your supplemental insurance policy becomes effective on the first day of the month following your payment. Enclose a check for your first month's premium along with your completed application. Then you can continue with coupon payments each month. Or simply fill out the convenient bank draft authorization form and your monthly premium will be automatically deducted from your account. If for any reason, you're not satisfied, you pay nothing. You're under no obligation. With FirstCommunity, there's no obligation even after you've paid. Because you can request a full refund for up to 30 days!
Nothing! Because FirstCommunity gives you North Alabama's leading hospitals, freedom to use any physician, and the opportunity to substantially lower costs. So contact us today. Because you've got nothing to lose, and so very much to gain. Find supplemental health insurance for seniors in North Alabama today!