Navigating how, when and if you need to apply for Medicare can be difficult and overwhelming. I specialize in Medicare and can help educate you about your options and guide you through the process step by step. As an independent agent I am able to represent an array of insurance companies and will match you with one that meets your financial and medical needs. Let’s meet, review Medicare and your options. My services cost you nothing!
Navigating the Medicare Maze
What is Original Medicare?
Original Medicare is a combination of A and B. A covers inpatient services, such as your hospital stay, skilled nursing and hospice. B covers your outpatient services, such as your outpatient doctors, specialists and lab tests. A has a deductible associated with it and B has a lower deductible than A. For Part B you must pay 20% of all costs once you hit the deductible and there is no MAXIMUM. There is also no drug coverage associated with Original Medicare.
Who is eligible for Original Medicare?
Original Medicare is government insurance programs for individuals 65 and older. There is an exception; if you have received social security disability for 25 months, you will receive Medicare automatically.
If you are turning 65 in the next year, you need to plan, especially if you are still going to continue working. Medicare is a maze. It is important to know how Medicare works, the changes, estimated costs and your options when you do decide to retire or go straight into Medicare. Let’s meet, review Medicare and your options. Again, it costs you nothing for my services.
Changing Your Plan
You can and should change your plan if it’s not meeting your needs. There are certain times of the year you can do this. Generally the Annual Enrollment Period is the most popular, October 15th through December 7th, but you might qualify for a special enrollment period depending on your personal circumstances; for example, moving.