e-TeleQuote Insurance Inc. is an independent digital insurance agency headquartered in Clearwater, FL, providing consultation and selling services for Medicare Insurance Plans. It employs over 200 professionals, including 150 licensed and experienced insurance agents who help people in 50 states of America make best choices for medical health coverage.
e-TeleQuote represents Humana, United HealthCare, Cigna HealthSpring, Transamerica, Mutual of Omaha, Aetna and over 20 Blue Cross Blue Shield affiliates.
In 2016, e-TeleQuote was ranked at number 113 by Inc. Magazine in the Inc. 5000 Ranking. Inc. Magazine for the past 35 years has ranked the nation’s fastest growing private companies.The company was one of only 20 repeat honorees among the top 150 Inc. 500 from previous years, and posted 2,908% revenue growth over the past 3 years. Subsequently, it was ranked #2 in growth among all insurance sector companies nationwide; #4 in growth among all companies in Tampa Bay region; and #10 in growth among all companies in Florida.
e-TeleQuote Insurance Inc. provides services to sell Medicare Insurance Plans. Medicare is an insurance program provided by the government that covers necessary medical expenses for people aged 65 and above, and below 65 with disabilities.
Medicare offers two main plans: Original Medicare (Part A and Part B) or a Medicare Advantage Plan (Part C). Some people also avail additional coverage like Medicare Prescription Drug Coverage and Medicare Supplement Insurance also known as Medigap.
Original Medicare (Part A and B) covers hospital stays in full for 60 days, and in affordable copays for any additional days. Medical insurance is offered for 80 percent of all outpatient medical costs. This includes medical tests, vaccinations, transport for treatment purposes, medicines and equipment prescribed by the doctor.The choice of doctors, hospitals, and other providers that accept Medicare, is available to beneficiaries.
Medicare Advantage Plans (Part C) are private insurance plans offered by private companies that are contracted with Medicare. These plans offer you additional coverage, on top of your Medicare Part A and Part B benefits. This extra coverage may include vision, hearing, dental, and/or health and wellness programs. All Medicare Advantage Plans also cover you for emergency or urgent care.
The Medicare Advantage Plans include Health Maintenance Organizations (HMO), Preferred Provider Organizations (PPO), Private Fee-for-Service Plans (PFFS), Special Needs Plans (SNP), HMO Point Of Service (HMOPOS), and Medical Savings Account Plans (MSA).
To enroll in a Medicare Advantage Plan, you must be enrolled in Medicare Parts A or B. Medicare provides a fixed payment to the Medicare Advantage Plan to cover your Medicare Part A and Part B coverage. There are usually additional copayments and deductibles, depending on the type of Medicare Advantage Plan you decide to join. This is because Medicare Advantage Plans may differ from state to state for benefits and cost. Different rules, which may change every year, for how to get coverage and services, also apply.
Medicare Advantage Plans are available to anyone enrolled in Original Medicare, with the exception of people suffering from End-Stage Renal Disease (ESRD). For people with ESRD, a Medicare Advantage Plan is only available if they are already enrolled in one, or are already getting their health benefits through the same private insurance organization that offers the Medicare Advantage Plan. They can also enroll in a Medicare Advantage Plan if they have had a successful kidney transplant, and qualify for Medicare benefits (based on age or a disability).
Medicare Prescription Drug Plan subsidizes the costs of prescription drugs for Medicare beneficiaries.Most Medicare Advantage Plans cover for prescription drugs, but if not, you can choose to enroll in a Medicare Prescription Drug Plan. In doing so, you will be disenrolled from your Medicare Advantage Plan and returned to Original Medicare.
Each Medicare Prescription Drug Plan has its own list of covered drugs; hence each Plan will have a different cost. Plans can change during the year within guidelines set by Medicare. If the Medicare Prescription Drug Plan involves a change in a drug you are taking it will provide written notice to you at least 60 days prior to the date of the change, or at the time you request a refill, provide written notice of the change and a 60-day supply of the drug under the same plan rules as before the change.
You may want to get coverage to help pay some of the health care costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles, in which case you can choose to buy Medicare Supplement Plan from a private company. If you are enrolled in a Medicare Advantage Plan, you can’t use Medicare Supplement Insurance to pay for your plan costs, like copayments, deductibles, and premiums.
To find out more about the company, call a Medical Advisor, or to browse about the various insurance options available, visit www.e-telequote.com.