Your Medicare
Medicare is a government health insurance program with a complex set of rules and regulations.
In order to sign up for a Medicare Supplement plan or a Medicare Advantage plan, you need to have both parts A and B issued.
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$641.32
That’s the average yearly savings
we estimated for our customers when switching Medicare Advantage plans
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You can sign up for a Medicare Advantage Plan with or without prescription coverage. You need to have Parts A and B ready before signing up.
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Prescription Drug Plans (Part D)
You can enroll in a prescription coverage along with a Medicare Supplement plan. Part D plans have a separate premium.
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Medicare Supplement Plans
You can sign up for Medicare Supplement Plan at any time during the year. Your coverage will start the first day of the following month.
Who is Eligible for Medicare?
INDIVIDUALS WHO ARE:
65 years of age or older
Disabled
End-stage renal disease (ESRD)
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Eligibility and Enrollment
Learn about Medicare enrollment periods and find out when you are eligible to make changes to your coverage.
Choosing the Right Coverage
There isn’t a one-size-fits-all solution for every Medicare recipient. Choose coverage tailored to your needs, preference and budget.
Making Changes
Review your coverage every year to make sure your current Medicare Insurance plan meets your evolving needs.
How It Works
As an independent broker we are able to provide you with insurance plans from different carriers. Compare benefits, check rates, and enroll.
01
Find A Plan
Decide on Medicare Supplement or Advantage
02
Review and Compare
Cost, Coverage, and Network are all important factors to make your mind about a plan.
03
Enroll in a Plan
If you are enrolling in a Medicare Supplement plan, your coverage will start the 1st day of the following month
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What are the Part A and Part Bsign up periods?
Initial Enrollment Period
You can first sign up for Part A and/or Part B during the 7-month period that begins 3 months before the month you turn 65,
Special Enrollment Period
After your Initial Enrollment Period is over, you may have a chance to sign up for Medicare during a Special Enrollment Period.
General Enrollment Period
If you did not sign up for Part A (if you have to buy it) and/or Part B (for which you must pay premiums) during your initial…
What are the parts of Medicare?
Part A (Hospital Insurance)
- Inpatient care in hospitals
- Skilled Nursing Facility Care
- Hospice Care
- Home Health Care
Part B (Medical Insurance)
- Services from doctors and other health care providers
- Outpatient care
- Home health care
- Durable Medical equipment (like wheelchairs, walkers, hospital beds, and other equipment)
- Many preventative services (like screenings, shots, or vaccines, and yearly “Wellness” visits).
Part D (Drug Coverage)
- Helps cover the cost of prescription drugs (including many recommended shorts or vaccines).
- Plans that offer Medicare Drug coverage (part D) are run by private insurance companies that follow rules set by Medicare.
- Read more about Pat D plans and coverage here .
More about Medicare?
How Much Does Part A Coverage Cost?
You usually do not pay a monthly premium for Part A coverage if you or your spouse paid Medicare taxes while working for a certain amount of time.
This is sometimes called premium -free part A. if you are not eligible for premium-free Part A, you may be able to buy Part A. For more information on how to pay your part A premium contact us. If you buy Part A, you will pay a premium of either $259 or up to $471 each month in 2021 depending on how long you or your spouse worked and paid Medicare taxes. To get the most up-to-date cost information, contact us or visit Medicare.gov. In most cases, if you choose to buy Part A, you must also have Part B and pay monthly premiums for both. If you choose NOT to buy Part A, you can still buy Part B if you are eligible.
What is the Part A late enrollment penalty?
Example: if you were eligible for Part A for 2 years but did not enroll, you will have to pay a 10% higher premium for 4 years.
How much does Part B coverage cost?
The standard Part B premium in 2022 is $170.10. Most people pay the standard Part B premium.
If your modified adjusted gross income is above a certain amount, you may pay an income Related Monthly Adjustment Amount (IRMAA). IRMAA is an extra charge added to your premium.
To determine if you will pay the IRMAA, Medicare uses the modified adjusted gross income reported on your IRS tax return from 2 years ago.
Note: you may also pay an extra amount for your Medicare drug coverage (Part D) premium if your modified adjusted gross income is above a certain amount.
What is Part B late enrollment penalty?
Your monthly Part B premium may go up 10% for each full 12 months in the period that you could’ve had part B, but did not enroll. If you are allowed to sign up for Part B during a Special Enrollment Period, you usually do not pay a late enrollment penalty.
Example: Mr. Smith’s initial Enrollment Period ended December 2019. He waited to enroll in Part B until March 2022 during the General Enrollment Period. His coverage begins July 1, 2022. His Part B premium penalty is 20% and he will have to pay this penalty for as long as he has Part B. (Even though Mr. Smith was not covered a total of 27 months, this included only 2 full 12-month periods.)
What if I need help paying for my Medicare health care costs? Medicare Savings Programs
If you have limited income and resources, you may be able to get help from your state to pay your Medicare costs if you meet certain conditions. There are 4 kinds of Medicare Savings Programs:
Qualified Medicare Beneficiary (QMB) Program:
Note: To make suer your provider knows your are in the QMB Program, show both your Medicare and Medicaid or QMB card each time you get care. If you have Original Medicare, you can also give your provider a copy of your “Medicare Summary Notice” (MSN. Your MSN will shou you are in the QMB Program and should not be billed.
Specified Low-Income Medicare Beneficiary (SLMB) Program
Qualifying Individual (QI) Program:
Qualified Disabled and Working Individuals (QDWI) Program:
Medicare Diabetes Prevention Program
Medicare covers a once-per-lifetime health behavior change program to help you prevent type 2 diabetes. The program begins with weekly core sessions offered in a group setting over a 6-month period. IN these sessions, you will get:
- Training to make realistic, lasting behavior changes around diet and exercise.
- Tips on how to get more exercise.
- Strategies for controlling your weight.
- A specially trained coach to help keep you motivated.
- Support from people with similar goals and challenges.
What is NOT covered by Part A and Part B?
Some of the items and services that Original Medicare does not cover include:
- Most Dental Care
- Eye Exams (for prescription glasses).
- Dentures
- Cosmetic Surgery
- Massage therapy
- Routine physical exam
- Hearing Aids and exams for fitting them
- Long-term care
- Concierge care (also called concierge medicine, retainer-based
medicine, boutique medicine, platinum practice, or direct care) - Covered items or services you get from an opt out doctor or other
provider (except in the case of emergency or urgent need).
Medicare Supplement Guaranteed Issue Rights
This table describes the situations where you have the right to buy a policy without any pre-existing condition exclusions, the kind of policy you can buy, and when you can or must apply for it:
Overview of Medicare Advantage Plan Choices
Here are the different types of Medicare Advantage Plans. Insurance companies may offer difference plan choices that changes the type of network and access to providers. Note that not all plan types may be offered by the same insurance companies in all states.
Frequently Asked Questions
What does Medicare Part A cover?
Medicare Part A covers Hospital services. Medicare pays 80% of the hospital covered services.
What is Medicare Part D?
Prescription Drug plans cover prescription needs, but offer no medical coverage. Part D have a separate Premium than Part B.
When is the Annual Enrollment Period?
AEP runs from October 15th to December 7th. New coverage starts on January 1st.
What is Medicare Advantage Plan (Part C)?
Medicare Advantage (Part C) plans work in place of your Part A and Part B Medicare coverage. Benefits include medical expenses, but not prescriptions.
What is Medicare Part B?
Medicare Part B pays for outpatient services and doctor visits. Read a step by step guide on how to apply for Part B.
What is the Medicare Supplement Plan?
Medicare Supplement Plans cover gaps in Original Medicare Part A and B. Medicare Supplement Plans help pay some of the health care costs that the Original Medicare Plan doesn’t cover. Medicare Supplement Plans are not the same as Medicare Advantage Plans and can only be combined with Original Medicare. You may choose to also enroll in a stand-alone Prescription Drug Plan.
When is the Medicare Advantage Open Enrollment Period?
Each year there is a Medicare advantage open enrollment period from January 1 – March 31.
What is Medicare Advantage Prescription Drug (C + D)?
Medicare Advantage Prescription Drug plans combine the benefits of a Medicare Advantage plan and a Prescription Drug plan. Benefits include medical expenses and prescription drug coverage.
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