We understand that Medicare can be very confusing. If you are within 6 months of starting Medicare, You have probably received many mailings about different plans to join, info from CMS and others. It can be very confusing and time consuming to research enough to really understand your best Medicare plan options.
Our knowledgeable and friendly staff will simplify and explain the Medicare system, and teach you everything you will need to know to make an informed decision on what type of plan you want and which plan to enroll in.
We will be with you from start to finish and will be available in the future for any questions or assistance you may need. Many of our clients have been with us over 8 years!
We realize that every client has unique circumstances and needs. We offer non-biased discussions of how Medicare works and the options available for you. We will discuss the most up-to-date information provided by Medicare that will help you to make informed and educated decisions.
Some topics we will cover:
If you have options for work-related retirement insurance, we will help you determine if enrolling in Medicare is your best choice. You might be surprised.
We will discuss the main differences between keeping Original Medicare and adding supplemental (Gap) insurance and a drug (Part D) plan vs enrolling into a Medicare Advantage (Part C) plan. We will also discuss the potential penalties for not having credible coverage for medications and doctor’s services. (Part D and Part B)
Some Basic Medicare Info that we will teach you about:
|Medicare Part A
||Medicare Part A helps pay for inpatient hospital care (including hospital meals, regular nursing services and operating costs) as well as some home health visits and hospice care.|
|Medicare Part B
||Medicare Part B covers doctor services, x-rays, diagnostic tests and other medical services and supplies. Medicare Part B is required if you choose to add a Supplement or Part C.|
|Medicare Part C
|Medicare Advantage (Part C) is provided by a PPO or HMO and combines all your Medicare parts together in a single package. Part C may cover vision, hearing, prescription drugs or dental services.|
|Medicare Part D
||Medicare Part D covers prescription drugs.|
||You must sign up for Medicare Part A+ B in order to get a Supplement. Supplements are issued by private insurance companies to fill in the gaps in Medicare. They cover things such as deductibles, foreign travel, and copays for specific services.|
|Long Term Care
||When a loved one is no longer able to perform some daily life activities (Bathing, dressing, eating, etc.) they become eligible for long term care. Long term care ranges from skilled nursing in a facility to respite care for family caregivers.|
Next will look at which plans your current doctors are in network with and evaluate the Medicare costs for your current medications, doctor’s visits, and medical costs.
We will then discuss what additional benefits you are interested in, like; dental, vision, chiropractic, acupuncture, hearing aids, gym memberships, over the counter supplies, etc.
The final steps will be to provide you with information and costs associated with the plans that meet your criteria. Depending on what County you live in, many of the Medicare Advantage (Part C) plans have a $0 monthly premium and $0 or very low co-pays.
We do not charge for our services. If you decide to let us help you enroll with a plan, the insurance company will compensate us for helping you enroll and to provide ongoing support. There is no savings to you by enrolling directly with an insurance carrier or directly on the Medicare site.
As your independent Medicare insurance broker, we will be available to help and advise you throughout the year, including during the annual enrollment periods. We will always be available to help determine if there are any new companies or plans that will provide additional benefits to you.
Please contact us to set-up a free phone consultation or for more info.