Elisa K Ball, Insurance Advisor & Advocate

MEDICARE MINUTE
Medicare coverage of telehealth will be limited starting Jan. 30.
Medicare's expanded telehealth coverage, introduced during the COVID-19 pandemic, will largely end Jan. 30, with exceptions for behavioral health services and beneficiaries in rural areas. Some services will be covered, such as care for patients with end-stage renal disease and care for patients with acute stroke symptoms.

SIMPLIFYING MEDICARE INSURANCE PLANNING Could you get more & pay less? Do you deserve the best care available? We specialize in uncovering the best plan for you!

There are several kinds of Medicare Advantage Plans. I'm always asked about the differences. These are the 2 most popular ones!

What is an HMO?
Health maintenance organizations (HMO) * have a network of doctors, hospitals and other healthcare providers who provide their services for a specific payment, which allows the HMO to maintain costs for its members. Cost and choice are the 2 features that set HMO's apart from other healthcare plans.

What is a PPO?
Preferred provider organizations (PPO) offer a network of healthcare providers to use for your medical care at a certain rate. Unlike HMO, a PPO offers you the freedom to receive care from any healthcare provider—in or out of your network.

* Please note, a referral may be required.