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American Benefit Specialist - Medicare _ Medicaid
American Benefit Specialist - Medicare & Medicaid

Medicare & Medicaid

Medicare and Medicaid are two distinct government-run healthcare programs in the United States. While both programs aim to help Americans access healthcare. They serve different populations and have different eligibility requirements.

When choosing a medicare plan, it’s important to consider your healthcare needs, budget, and medications you use. You can compare plans and enroll in medicare online, by phone, or in person with the help of a licensed insurance agent.

Medicare Part A
Medicare Part B
Medicare Part C
Medicare Part D
Medicare VS Medicaid
HMOs are a type of health insurance plan that provides coverage for medical services through a network of doctors, hospitals, and other healthcare providers. HMOs typically require you to select a primary care physician who will coordinate your healthcare services and referrals to specialists.
PPOs are a type of health insurance plan that allows you to choose from a network of healthcare providers, including doctors and hospitals. With a PPO, you have the flexibility to see any provider within the network without requiring a referral. However, if you choose to see a provider outside of the network, you may have to pay higher out-of-pocket costs.
POS plans are a hybrid of HMO and PPO plans. Like an HMO, you choose a primary care physician who will coordinate your healthcare services. However, like a PPO, you can see providers outside of the network, but you’ll have to pay higher out-of-pocket costs.
HDHPs are a type of health insurance plan with lower monthly premiums but higher deductibles than traditional health plans. You pay for healthcare services out-of-pocket until you reach your deductible, at which point your insurance kicks in.
Catastrophic health plans are designed to provide coverage for major medical expenses, such as a serious illness or injury. These plans typically have very high deductibles and low monthly premiums and are only available to individuals under 30 or those who qualify for a hardship exemption.
American Benefit Specialist - Health Maintenance Organizations (HMOs)
American Benefit Specialist - Health Maintenance Organizations (HMOs)

Reasons to get Group Health Insurance

Search YouTube Stream/Download “Same Friends” - https://charlieonnafriday.lnk.to/Same... Connect with charlieonnafriday! Text ONNAFRIDAY to 206-536-3801 Instagram: https://www.instagram.com/charlieonna... Tik Tok: https://www.tiktok.com/@charlieonnafr... Twitter: https://twitter.com/charonnafriday Facebook: https://www.facebook.com/charonnafriday Director @JakeTheShooter Co - Director @Charlieonnafriday Executive Producer @austinbarbera Executive Producer @jakekrask EP/ Head of Production @lazy_sherpa SX Coordinator @ambss.jpg Producer @coal_sanch UPM @michaellately Production Coordinator @noahdonnelly_ 1st Assistant Director @taylormade215 2nd Assistant Director @ateamedia Director of Photography @coreyjennings_ 1st AC @chrisxmcelroy 2nd AC @raquelwajner Steadicam Op @pintoproduction 16mm Cam Op @zeddekiah DIT @mauricio_cimino Gaffer @isaacmarz Best Electric @matthewthemann Electric @alxperales Key Grip @mylesmystery Best Grip @tgrshaffer Grip @steven_escoboza Production Designer @elisecallan Editor @cutbykenny Colorist @bryansmaller Post Producer @big_danimal_ Leadman @jeffscharberg Art Assistant @tammytrees Art Assistant @sobbybutton Art Assistant @e_money_art AD PA @jusfeejohnson AD PA @eye_be_me Truck PA @daredevild9 Truck PA @leeristrasz Set PA @nathanxia Set PA @jkomi96 Set PA @maxncheese_03 Groomer (TJAY) @jayrocan Braider (TJAY) @annejulietteg Set Medic @middlenamemoki Security Guard @darrellWilson Security Guard @samhemaidan Girl 1 @mariya_millan Girl 2 @miirandasmith_ Production Company @sixtwentysixco #charlieonnafriday #SameFriends #liltjay I’m still with the same friends Out here with the same bros We still out here mobbin’ It’s just in a range rove Made it with the same guys Now we different bankroll Now we all in designer Driving past the same hoes I’m still with the same friends Out here with the same bros We still out here mobbin’ It’s just in a range rove Made it with the same guys Now we different bankroll Now we all in designer Driving past the same hoes Yeah told you I would never change and shit Young Charlie yeah he the same and shit I’m out here gunnin it vroommmm Onnafriday got in the name and shit Champagne in my hand imma spray that shit My dogs gon’ dance on the stage and shit Throwing up shots on the pavement Same old roads I’m claimin it And I’m with all the ones from the jump Now we do what we want when we want It’ll be that way til I’m gone Til I’m gone Til I’m gone Til I’m gone I’m still with the same friends Out here with the same bros We still out here mobbin’ It’s just in a range rove Made it with the same guys Now we different bankroll Now we all in designer Driving past the same hoes I’m still with the same friends Out here with the same bros We still out here mobbin’ It’s just in a range rove Made it with the same guys Now we different bankroll Now we all in designer Driving past the same hoes Fuck all these bitches I know they want part of my money no dummy I rather them eat It’s hard to know when they like you for you If it’s my music then how am I unique? I know I’m young and I’m fly with the heat Gotta value myself so I won’t even eat Pussy boy n***** be savage a savage through tweets If I give a response I win and repeat I know I make it look easy But I’m focused aint no time to slack Trying to go for my bro imma clap I told you I love you aint none of it cap At the top with my brother we made it Still be with my day 1’s this ain’t dated Just a couple of n****s they faded From the jump I been solid I played it Ohh I’m still with the same friends Out here with the same bros We still out here mobbin’ It’s just in a range rove Made it with the same guys Now we different bankroll Now we all in designer Driving past the same hoes I’m still with the same friends Never thought we’d live like this We out here blowing through them stop signs Riding shotgun through the sticks Don’t need no one but my same guys Out here getting bankroll We still out here mobbin It’s just in a range rove Out here with the same friends Still out here with the same friends Yeah Still out here with the same friends Still out here with the same ones Same ones Same ones charlieonnafriday, Lil Tjay - Same Friends (Official Music Video) 94K views · 13 hours ago#charlieonnafriday #SameFriends #liltjay...more charlieonnafriday 400K Subscribe 400K subscribers 13K Share Save Report

Attract & Retain Employees

Offering group health insurance can help employers attract and retain top talent by providing a valuable benefit that employees may not be able to find elsewhere. Employees who have access to health insurance are more likely to stay with their employer, which can reduce turnover and associated costs.

Improved Health _ Productivity Icon

Improved Health & Productivity

Access to healthcare can help employees stay healthy and productive. Group health insurance can help employees get the care they need to prevent and manage health conditions, resulting in fewer sick days and improved productivity.

Cost Control

Cost Control

Group health insurance can help employers control healthcare costs by spreading the risk of healthcare expenses across a larger group of people. This can result in lower premiums and more predictable healthcare costs for the employer.

Tax Benefits Icons

Tax Benefits

Employers who offer group health insurance may be eligible for tax benefits, such as deducting premiums paid for health insurance as a business expense.

Better Healthcare Access Icon

Better Healthcare Access

Group health isurance typically provides broader access to healthcare providers and services than individual insurance plans. This can result in better access to quality care for employees.

Compliance Icon

Compliance

The affordable care act (aca) requires employers with 50 or more full - time employees to offer health insurance or face penalties. Offering group health insurance can help employers comply with this requirement.

Attract & Retain Employees
Offering group health insurance can help employers attract and retain top talent by providing a valubale benefit that employees may not be able to find elsewhere.Employees who have access to health insurance are more likely to stay with their employer, which can reduce turnover and associated costs.
Search YouTube Stream/Download “Same Friends” - https://charlieonnafriday.lnk.to/Same... Connect with charlieonnafriday! Text ONNAFRIDAY to 206-536-3801 Instagram: https://www.instagram.com/charlieonna... Tik Tok: https://www.tiktok.com/@charlieonnafr... Twitter: https://twitter.com/charonnafriday Facebook: https://www.facebook.com/charonnafriday Director @JakeTheShooter Co - Director @Charlieonnafriday Executive Producer @austinbarbera Executive Producer @jakekrask EP/ Head of Production @lazy_sherpa SX Coordinator @ambss.jpg Producer @coal_sanch UPM @michaellately Production Coordinator @noahdonnelly_ 1st Assistant Director @taylormade215 2nd Assistant Director @ateamedia Director of Photography @coreyjennings_ 1st AC @chrisxmcelroy 2nd AC @raquelwajner Steadicam Op @pintoproduction 16mm Cam Op @zeddekiah DIT @mauricio_cimino Gaffer @isaacmarz Best Electric @matthewthemann Electric @alxperales Key Grip @mylesmystery Best Grip @tgrshaffer Grip @steven_escoboza Production Designer @elisecallan Editor @cutbykenny Colorist @bryansmaller Post Producer @big_danimal_ Leadman @jeffscharberg Art Assistant @tammytrees Art Assistant @sobbybutton Art Assistant @e_money_art AD PA @jusfeejohnson AD PA @eye_be_me Truck PA @daredevild9 Truck PA @leeristrasz Set PA @nathanxia Set PA @jkomi96 Set PA @maxncheese_03 Groomer (TJAY) @jayrocan Braider (TJAY) @annejulietteg Set Medic @middlenamemoki Security Guard @darrellWilson Security Guard @samhemaidan Girl 1 @mariya_millan Girl 2 @miirandasmith_ Production Company @sixtwentysixco #charlieonnafriday #SameFriends #liltjay I’m still with the same friends Out here with the same bros We still out here mobbin’ It’s just in a range rove Made it with the same guys Now we different bankroll Now we all in designer Driving past the same hoes I’m still with the same friends Out here with the same bros We still out here mobbin’ It’s just in a range rove Made it with the same guys Now we different bankroll Now we all in designer Driving past the same hoes Yeah told you I would never change and shit Young Charlie yeah he the same and shit I’m out here gunnin it vroommmm Onnafriday got in the name and shit Champagne in my hand imma spray that shit My dogs gon’ dance on the stage and shit Throwing up shots on the pavement Same old roads I’m claimin it And I’m with all the ones from the jump Now we do what we want when we want It’ll be that way til I’m gone Til I’m gone Til I’m gone Til I’m gone I’m still with the same friends Out here with the same bros We still out here mobbin’ It’s just in a range rove Made it with the same guys Now we different bankroll Now we all in designer Driving past the same hoes I’m still with the same friends Out here with the same bros We still out here mobbin’ It’s just in a range rove Made it with the same guys Now we different bankroll Now we all in designer Driving past the same hoes Fuck all these bitches I know they want part of my money no dummy I rather them eat It’s hard to know when they like you for you If it’s my music then how am I unique? I know I’m young and I’m fly with the heat Gotta value myself so I won’t even eat Pussy boy n***** be savage a savage through tweets If I give a response I win and repeat I know I make it look easy But I’m focused aint no time to slack Trying to go for my bro imma clap I told you I love you aint none of it cap At the top with my brother we made it Still be with my day 1’s this ain’t dated Just a couple of n****s they faded From the jump I been solid I played it Ohh I’m still with the same friends Out here with the same bros We still out here mobbin’ It’s just in a range rove Made it with the same guys Now we different bankroll Now we all in designer Driving past the same hoes I’m still with the same friends Never thought we’d live like this We out here blowing through them stop signs Riding shotgun through the sticks Don’t need no one but my same guys Out here getting bankroll We still out here mobbin It’s just in a range rove Out here with the same friends Still out here with the same friends Yeah Still out here with the same friends Still out here with the same ones Same ones Same ones charlieonnafriday, Lil Tjay - Same Friends (Official Music Video) 94K views · 13 hours ago#charlieonnafriday #SameFriends #liltjay...more charlieonnafriday 400K Subscribe 400K subscribers 13K Share Save Report
Improved Health & Productivity
Access to healthcare can help employees stay healthy and productive. group health insurance can help employees get the care they need to prevent and manage health conditions, resulting in fewer sick days and improved productivity.
Improved Health _ Productivity Icon
Cost Control
Group health insurance can help employers control healthcare costs by spreading the risk of healthcare expenses across a larger group of people. This can result in lower premiums and more predictable healthcare costs for the employer.
Cost Control
Tax Benefits
Employers who offer group health insurance may be eligible for tax benefits, such as deducting premiums paid for health insurance as a business expense.
Tax Benefits Icons
Better Healthcare Access
Group health isurance typically provides broader access to healthcare providers and services than individual insurance plans. This can result in better access to quality care for employees.
Better Healthcare Access Icon
Compliance
The affordable care act (aca) requires employers with 50 or more full - time employees to offer health insurance or face penalties. Offering group health insurance can help employers comply with this requirement.
Compliance Icon
American Benefit Specialist - Affordable Care Act
American Benefit Specialist - Affordable Care Act

Affordable Care Act

The Affordable Care Act, also known as Obamacare, is a federal law that was enacted in 2010 with the goal of making healthcare more accessible and affordable to all Americans. The law mandates that all individuals have health insurance or face a tax penalty, with some exemptions.

The ACA provides individuals with options for health insurance through the Health Insurance Marketplace, where you can compare and enroll in different plans based on your needs and budget. Depending on your income, you may qualify for financial assistance to help pay for your health insurance.

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Medicare Part A

This plan covers hospital stays, skilled nursing facilities, hospice care, and some home health services. If you or your spouse have paid Medicare taxes for at least 10 years, you’re eligible for Part A without paying a premium.

Medicare Part B

This plan covers medical services like doctor’s visits, preventive care, and outpatient services. There’s a monthly premium for Part B, and you may also have to pay a deductible and coinsurance.

Medicare Part C

Also known as Medicare Advantage, this plan is offered by private insurance companies approved by Medicare. It includes all the benefits of Parts A and B, as well as additional benefits like dental, vision, and hearing coverage. You may have to pay an additional premium for Part C, and you’ll need to use doctors and providers within the plan’s network.

Medicare Part D

This plan covers prescription drugs, and is also offered by private insurance companies. You’ll pay a monthly premium and may also have to pay a deductible, copayments, and coinsurance.

Medicare vs Medicaid

Medicare and Medicaid are two distinct government-run healthcare programs in the United States. While both programs aim to help Americans access healthcare, they serve different populations and have different eligibility requirements.

Medicare is a federal health insurance program for people who are 65 or older, as well as younger people with certain disabilities or conditions. It’s also available to people with end-stage renal disease. Medicare is generally funded by payroll taxes, premiums paid by beneficiaries, and government funds. Medicare is divided into four parts: Part A covers hospital care, Part B covers doctor visits and outpatient services, Part C (also known as Medicare Advantage) is offered by private insurance companies, and Part D covers prescription drugs.

Medicaid, on the other hand, is a joint federal and state program that provides health coverage to people with limited income and resources. Eligibility requirements for Medicaid vary by state, but generally, it’s available to low-income families, pregnant women, children, and people with disabilities. Medicaid covers a wide range of healthcare services, including doctor visits, hospital stays, prescription drugs, and long-term care.

One major difference between Medicare and Medicaid is how they’re funded. While Medicare is primarily funded by the federal government, Medicaid is funded by both federal and state governments. States have more flexibility in setting eligibility criteria, covered services, and provider payment rates under Medicaid, which can lead to variation in the program across states.