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Medicare

About Medicare

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.

Medicare Annual Election Period

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 Parts A, B, C and D

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..

Choosing the right plan

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.

We take you through our 5-step process

Insurance plans come in all shapes and sizes. That’s why it’s important to assess your needs before you choose an insurance plan.

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How does Medicare work?

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.

PART A

Hospital Insurance

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.

PART B

Medical Insurance

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.

PART C

Medicare Advantage Plans

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.

PART D

Prescription Drug Coverage

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.

Download the 2021 Medicare Guide

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Medicare Supplement Insurance

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 vs. Medicare Advantage (MAPD) Plans

Medicare Supplement Insurance + Prescription Drug Plan

  • NO NETWORKS, NATIONWIDE COVERAGE, only question to ask a doctor is, “do you take Medicare.”
  • No deductibles, copays or out of pocket expenses for a Supplement.
  • If you go Plan G then you pay the Part B Deductible 1x year.

Medicare Advantage (MAPD) Plans

  • Combines Plan C and Plan D Networks
  • Insurance carrier can accept or deny treatment that requested
  • When you get sick it does take longer to get approval for medical services Deductible, Copays and out of pocket expenses on a calendar year basis

Understanding Your Medicare Choices

You can choose from two paths to reach the Medicare coverage you need. Here’s how:

The "Donut Hole"

The "Donut Hole" refers to a disparity in coverage, during which costs for prescription drugs may increase. Members may have additional coverage to help decrease prescription drug costs. Here is a look at how the "Donut Hole" works:

Frequently Asked Questions

Is Medicare Automatic?

In order to receive Medicare benefits you must be Part A & B eligible for coverage. You must contact Social Security to apply for Part B. Once a person has Part B then they are eligible for Medicare coverage and supplemental insurance.

How often do the rules change for Medicare?

Changes to Medicare happen each year. Please check with one of our agents for specific questions about Medicare or you may access www.medicare.gov

We understand Medicare.

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.

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