Annual Enrollment Period Begins October 15th!!
Prepare Today for A Better Tomorrow!
Davan Enterprises Insurance Agency provides Medicare guidance for those who have just turned 65, as well as for those who are currently receiving Medicare and SSDI services. Call (423) 689-3061 today for more information! We are licensed in Tennessee and Virginia Medicare Plans.
Better Protection For Your Health & Save Money! To Get Started Today.
New to Medicare
If you have just turned 65 or are about to, or perhaps
losing insurance from your job by
retirement then most likely you are receiving a LOT of information through the mail or otherwise. This can be confusing. We are here to help you figure out what the best options are for you, so you don't have to do it alone. But don't wait too long, time is running out. You have only 3 months AFTER you turn 65 and then you have to wait until the next Annual Enrollment Period.
Currently on Medicare
Medicare plans can change from year to year just as medical needs. During Annual Enrollment (October 15th to December 7th) you have an opportunity to make changes to your current plans. Whether you are on original Medicare, a Medicare supplement, or even a Medicare Advantage Plan we may be able to find additional benefits that you qualify for. With original Medicare you may want to consider have a Prescription Drug plan as well.
Currently on Disability
Did you know that after 24 months on SSDI you may be eligible for Medicare? If so we can help you navigate through the alphabet of Medicare plans. You may be eligible for many extra benefits that would be at zero cost to you! But remember, you must be within your eligibility window to access these benefits. So, don't wait.
Need Dental Insurance?
Whether you are looking for a stand alone Dental Plan to go with your Marketplace Health Insurance or your Medicare Plan we have options.
Through Spirit Dental (Ameritas) there options for everyone and every budget offering Guaranteed Acceptance, No Waiting Periods, and Same Day Effective dates as well as offering the choice to use ANY dentist you want.
Click the link to shop options now and enroll!
Need Vision Insurance
Whether you are looking for a stand alone Vision Plan to go with your Marketplace Health Insurance or your Medicare Plan we have options.
Through Spirit Vision (Ameritas) there options for everyone and every budget. Complete with two big networks (VSP and EyeMed) to give you access to the best providers.
Click the link to shop options now and enroll!
Hospital Insurance Supplements Your Health Plan
Hospital Insurance Plans help with paying your out of pocket costs associated with the unexpected results of a sickness or injury. (If you are currently on MEDICARE please call us to discuss a Hospital Plan that works best for your plan)
This provides a CASH benfit paid DIRECTLY to you that you can use to help pay your Co-Pays and Deductibles on your health insurance plans.
Often when a serious injury or accident occurs most people are left without being able to work placing a financial hardship on their family. Give your family the peace of mind that an Hospital Plan Provides.
Click the link below to get a quote and even enroll today!
Accident Insurance Supplements Your Health Insurance Plan
Accident Insurance Plans help with paying your out of pocket costs associated with the unexpected results of an injury.
This provides a CASH benfit paid DIRECTLY to you that you can use to help pay your Co-Pays and Deductibles on your health insurance plans.
Often when a serious injury or accident occurs most people are left without being able to work placing a financial hardship on their family. Give your family the peace of mind that an Accident Plan Provides.
This plan is ideal for children involved in athletics, the weekend warrior/adventurer, the laborer who depends on their ability to work with their hands.
Click the link below to get a quote and even enroll today!
Cancer and Critical Insurance Supplements Your Health Insurance Plan
Cancer and Critical Illness (Heart Attack) Insurance Plans help with paying your out of pocket costs associated with the unexpected results of serious illness.
This provides a CASH benfit paid DIRECTLY to you that you can use to help pay your Co-Pays and Deductibles on your health insurance plans.
Often when a serious illness occurs you are left without being able to work placing a financial hardship on their family in additon to the hospital stays and radiotion/chemotherapy treatments.
Most people believe their health insurance will cover all their costs but the reality is that 62% of bankruptcies in the United States are from medical debt which 75% of those HAD HEALTH INSURANCE! Through a cancer or critical illness plan you help pay for lodging/transportation to facilities that you want and even help with experimental treatments NOT COVERED on traditional health insurance plans.
Give your family the peace of mind that a Cancer or Critical Illness Plan Provides.
Click the link below to get a quote and even enroll today!
“We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.”
Please use our calendar link on the side (or below) to schedule a Medicare Appointment and then Complete the Scope of Appointment (SOA) to give us permission to discuss Medicare Plans with you.
Complete our Client questionnaire so we know some basic details about you, and get a general sense of what you're looking for.
We are required to collect your consent through a Scope of Appointment (SOA) form at least 48 hours PRIOR to our appointment. We will send you an email or text message to complete this form.
If you enrolled for a Blue Cross Blue Shield of TN Medicare plan that includes Over the Counter Allowance here is the
Link
to order your supplies. (Please note these benefits do NOT roll over)
If you enrolled for a Anthem Virginia Medicare plan that includes Over the Counter Allowance here is the
Link
to order your supplies. (Please note these benefits do NOT roll over)
The Low Income Subsidy or Extra Help program through Medicare helps reduce the cost of prescription drugs for individuals with limited income resources.
If you need to apply for Medicare Coverage you can use this link to get the process started.
You may have already received your Medicare Card and just have Part A because you have been covered under a group health plan but now you may be retiring and need Part B for medical coverage.
Bristol, Tennessee
Available by Appointment 10am-4pm
Medicare Part A provides benefits for SNF if certain requirements are met.
For many years facilities would apply the "Improvement Standard" however in Jimmo v Sebelius that changed. Medicare will cover skilled care provided in a skilled nursing facility, at home, or as outpatient therapy, regardless of whether a patient is likely to improve as long as they continue to meet qualifying criteria.
Medicare's coverage of a skilled nursing facilty stay is limited to a maximum of 100 days per benefit period.
The benefit period can sometimes be referred to as a spell of illness.
There is no limit to the number of benefit periods available to Medicare Beneficiaries. However, once a benefit period ends a beneficiary must have another three-day qualifying inpatient hospital state and meet the other requirements noted earlier before they can get another 100 days of SNF benefits.
If a person is released or no longer needs SNF but then later requires the SNF care again:
Medicare Part A does have a deductible that must be paid for any hospital admission and those rates can change from year to year. You can visit cms.gov to check the current Medicare Part A deductible.
Medicare pays for the first 20 days of skilled nursing facility care, with no deductible or coinsurance. However, the patient is responsible for daily co-payments after the twentieth day. For 2023, the daily SNF co-payment was $200 for days 21 through 100. After 100 days in a benefit period, the beneficiary must pay all costs.
Medicare Supplement plans, Medicare Advantage Plans, or Supplemental Hospitalization plans can help reduce these costs if you have one of those plans for an additional monthly premium.
Medicare will pay for home health care if a person meets certain eligibility criteria and if the services are considered resaonable and necessary for the treatment of the person's illness or injury.
Medicare covers home health care; it does not cover home care when personal care is the only type of care needed.
To receive Medicare-covered home healthcare benefits, a person must be eligible for and enrolled in Part A and/or Part B. The following requirements must also be met:
Home Health Aide Services:
Medical Social Services - Ordered by a doctor to help a person with various social and emotional concerns related to an illness that may interfere with the person's treatment or recovery.
Physical, Speech-Language, and Occupational Therapy - If ordered by a doctor.
Excluded Services:
There is no limit to the length of time that a person can receive home healthcare benefits. Once a person meets the initial qualifying criteria.
Recertification is required at least every 60 days when the patient needs continuing home healthcare.
Begining in 2019, CMS expanded the definitional scope of "supplemental benefits" that Medicare Advantage plans can offer. But all Medicare Advantage plans are not same as they may have different rules, costs, and restrictions on services but required to provide at least the same level of coverage as Original Medicare (Part A & B).
Additional Services that may be included with your Medicare Advantage plan:
Adult Day Care Services - services provided outside the home, such as assistance with activities of daily living and instrumental activities of daily living.
In-Home Support Services - services performed by a personal care attendance to assist disabled ormedically needy individuals with ADL's.
Home- Based Palliative Care - services not covered by Medicare in the home for palliative care ("comfort care") to diminish symptoms of a terminally ill enrollee with life expectancy of more than six months.
Transportation for (nonemergency) Medical Services - transportation to obtain Part A, Part B, Part D, and supplemental benefit items and services. It can not be used for non-medical services such as groceries and errand.
Home Safety Devices and Modification - safety devices to prevent injuries in the home an/or bathroom.
(423) 689-3061
Bristol, Tennessee
Licensed in:
Tennessee, Virginia, North Carolina, South Carolina, Georgia, & FLorida