Accendo Insurance Company

Accendo Medicare Supplement plans are offered in multiple states. Accendo Insurance Company is a CVS Health company and Aetna Affiliate, located in Salt Lake City Utah. They offer a competitively priced Medicare Supplement with a 14% household premium discount.

Accendo is backed by CVS Health who merged with Aetna to create one of the nation’s top health insurers.

Both companies have a history of excellent financial strength and high level of customer service. The brand recognition is one of quality and trust that’s been built over their many years in business.

CVS Health has a community focus that provides consumers with the care they need in a simplified way while making health services more affordable.

How Accendo Medicare Supplement Plans Work With Medicare

If you only have Original Medicare Parts A and B by itself then you could be out of pocket an unlimited amount, with no maximum of cap. This could be equivalent to 20% of all your medical costs plus co-pays and deductibles associated with Medicare Parts A and B.

So it makes sense for you to pick up a plan that puts a cap on your possible out of pocket responsibility. One way to do this is by purchasing an Accendo Medicare Supplement plan which would be a secondary insurance to your Medicare.

The monthly cost of a Medicare Supplement Plan with Accendo can vary and is based on age, location, and other factors. There are no networks and you can see any doctor or provider nationwide that accepts Medicare.

A really great feature is their 14% household premium discount. This applies if you reside with anyone in your household for at least 12 months. This can be a spouse, partner or household resident.

This is the highest discount available at the present time among Medicare Supplement companies.
The Accendo Medicare Supplement is available in multiple states, so give us a call to check availability and to get a free quote for your area.

What Type Of Plans Does Accendo Offer?

Accendo offers Medicare Supplement Plans A, F, G and N. These plans are Standardized by the government. This means that the benefits for each plan offered are exactly the same from company to company. You’ll want to compare your options and we can help you with this.

Plan A covers 100% of the Medicare Part A and Part B coinsurance and co-pays, 100% for blood, and 100% of the Part A hospice care coinsurance and co-pays.
Plan F covers 100% of what Medicare doesn’t cover, so there’s no out of pocket. However, this plan is only available to those were eligible for Medicare before January 1 2020.

Accendo’s Most Popular Plans

The 2 most popular Accendo Medicare Supplement plans are Plan G and Plan N.
Both Plan G and Plan N offer the same coverage for Medicare Parts A and B deductibles and coinsurance. Also Skilled nursing and rehab facility stays, hospice care, and foreign travel emergency.

Neither plan covers the Medicare Part B deductible. This is an annual deductible that you are responsible to pay each year. This deductible re-sets every January and it can change from year to year.

With Plan G, once you meet this deductible during the year, your medical cost will be covered 100% for the remainder of the year.

With Plan N, once you’ve met the Part B deductible during the year, you could have up to a $20 co-pay for primary or specialist office visits.
Telehealth visits, where you consult with a doctor over the phone, are not considered office visits, so there’s no co-pay for this service.

Another co –pay you could have is if you go to the Emergency room, then you could have up to a $50 co-pay. But, If you’re admitted as an inpatient to the hospital, the co-pay is waived.

One other benefit that plan N doesn’t cover is Part B excess charges.

What are Part B Excess Charges?

This is an amount up to 15% that a healthcare Provider can charge in addition to the amount of what Medicare approves for services. Doctors that accept Medicare Assignment or Medicare as payment in full are called Participating Providers.

They’re not allowed to bill for excess charges. So you won’t have to worry about any balance billing with plan N as long as you see Doctors and providers that accept Medicare Assignment.

You can find out if a Doctor accepts Medicare Assignment by going to Medicare’s  Physician Finder tool.

In some states, by law, Excess charges aren’t allowed. This law is called the Medicare Overcharge Measure or MOM law. So if you live or travel to any of those states you won’t have excess charge billing in those states.

Most doctors and providers today accept Medicare and Medicare assignment so balance billing is rare, but you should still make sure your doctors are fully participating in Medicare before seeing them.

Key Benefits Of Accendo Medicare Supplement Plans

Here are some key benefits of Accendo Medicare Supplement plans:

• They cover the gaps that Medicare Parts A & B don’t cover.
• You have freedom to choose your Doctors.
• There are no networks. You can see any provider nationwide that accepts Medicare.
• It’s portable coverage that follows you wherever you go, there’s even Foreign travel emergency coverage.
• It has a predictable cost. You have a set premium every month.
• The plans are guaranteed renewable. They will not be cancelled for any reason as long as you continue to pay the premiums.
• You can switch plans at any time of the year as long as you qualify. There’s also no Annual enrollment.
• All the plans are Standardized which means the benefits are exactly the same from company to company.

Accendo Insurance Company would be a great choice for your Medicare Supplement. If you need help deciding on your plan then call us at (800) 783-5901. Our service is 100% free and we’re happy to help you.