Before your 65th birthday or becoming eligible for Medicare A & B due to disability, is the time to start thinking about Medicare. That means understanding what Medicare is, how and when to enroll, and what it does and does not cover. It’s also time to think about the options available that can help protect you from some of the expenses not covered by Medicare. The Medicare health plan that you choose affects many things like cost, benefits, doctor choice, convenience, and quality.
When your enrollment selection has been received will affect when your coverage begins.
Under 65 Annual Election Period (AEP) is October 15th through December 7th each year.
Annual Open Enrollment: October 15th through December 7th each year.
Medicare Advantage Disenrollment Period (MADP): January 1st – February 14th each year
Medicare Part A covers inpatient care in a hospital or a limited stay in a skilled nursing facility. Part B covers doctors and outpatient hospital services. Medicare Part C is Medicare Advantage programs. Part D covers prescription drugs..
Medicare information and your choices are overwhelming. We provide education on a personal basis so you are able to make an informed decision that will best suit your needs and lifestyle.
Our services are at no cost to you nor do they reflect on your rates. We are compensated by the insurance carrier. Continual changes are on the horizon due to health care reform. Ask yourself, “Doesn’t it make sense to have someone that keeps you informed with the changes as they occur and how it affects you?” We would like the opportunity to work with you for your Medicare needs.
Medicare is the nation’s largest health insurance program, covering health care services such as hospital stays, skilled nursing and physician services for millions of Americans. There are four parts to Medicare, each providing different types of health care services.
Helps pay for inpatient hospital care, skilled nursing facility care, home health care and hospice care. While most Americans are enrolled automatically in Medicare Part A, it alone may not cover all of your health care costs. Parts B, C and D are voluntary programs that provide additional coverage.
Helps pay for covered doctor’s services and many other medical services and supplies. If you don’t enroll in Part B when you are first eligible for Medicare, you may have to pay a penalty later.
Offers medical coverage through a network of providers, such as an HMO or PPO, that is an alternative to Original Medicare (Parts A & B). These plans may or may not cover prescription drugs.
Helps pay for covered prescription medications. As with Part B, selecting a Part D plan when you are first eligible means you may not have to pay a penalty later.
Optional coverage helps to pay for expenses beyond what is covered by Medicare. There are several Medicare Supplement Insurance Plans, each with different benefits and premiums, so you can choose the plan that works best for your specific needs. Medicare Supplement Insurance Plans are identified by the separate letters A, B, C, D, F, F-HD, G, K, L, M and N.2 The basic benefits of each plan are exactly alike for all insurance companies. The plans are not connected with or endorsed by the U.S. Government or Federal Medicare Program.
Medicare Supplement Insurance + Prescription Drug Plan
Medicare Advantage (MAPD) Plans
We are a full-service insurance agency. We offer a professional approach to meet the insurance needs of seniors. We offer a FREE, no obligation consultation to review the current policies of your personal needs.
