LICENSED INSURANCE AGENT AND MEDICARE EXPERT WRITER
Kathryn is a Medicare specialist who has appeared on Baby Boomers, OppLoans, and Best Company. Her readers don’t need a degree in government-speak to get the right coverage because Kathryn sifts through Medicare’s parts, plans, and premiums to distill only the most useful information. Her favorite place in the world is a hammock that swings peacefully between two crabapple trees somewhere in New Mexico’s Gila National Forest.
Medicare Advantage HMOs and PPOs are provided by private insurers, not the federal Medicare program itself. The main difference between an HMO and PPO is your level of freedom to go outside a network of health care providers to receive care. With an HMO, you must stay in the network if you want the insurance company to help you cover health care costs. With a PPO, you can go outside the network, but you’ll probably pay more.
If you’ve had employer-sponsored health insurance, it may have included a dental plan that paid for regular cleanings, extractions, and other services that maintain or restore healthy teeth. Dental coverage through Medicare is a bit trickier. Here’s how to know whether you’ll have to pay your dentist out of pocket.
In the first half of 2019, the Federal Trade Commission (FTC) received more than 21,000 reports of scammers posing as Medicare and other health officials.1 But that’s just a small piece of the puzzle when it comes to scams nationwide. The FTC reports nearly 1.5 million counts of fraud, identity theft, and similar crimes.2
Because Medicare beneficiaries deal with both the SSA and the Centers for Medicare & Medicaid Services (CMS), there are a lot of opportunities for scam artists to take advantage of enrollees. But don’t worry. Here’s the skinny on Medicare fraud so you know how to handle them.
Anthem is part of the nationwide Blue Cross Blue Shield (BCBS) network of health insurers. This company offers plans in 14 states and made the U.S. News list of “Best Insurance Companies for Medicare Advantage 2019” in three of those states.1 The average Medicare Advantage Medicare Star Rating is 3.7 out of 5.2