Medicare Info
We love to explain Medicare in a way that makes sense, answer questions, and help you enroll in a plan that’s perfect for you.
To help you understand Medicare, we:
- We ask thorough questions to fully understand your unique needs
- Answer all of your questions
- Explain the parts of Medicare
- Explain what your options are
- Help you choose a plan
- Make sure your doctors are covered
- Ensure your prescriptions are covered at the lowest possible price
Your insurance concierge
- You can call me instead of the insurance company
- We maintain ongoing relationships with our clients
- We want to help you understand Medicare so you can make an informed decision instead of an educated guess.
We can enroll you in Medicare
- We can enroll a number of ways
- I communicate with the insurance company on your behalf
- I am your direct line to your carrier when it comes to your insurance needs
Medicare Info
New to Medicare
Medicare Part A pays for hospital stays and inpatient care. Medicare Part B helps pay for doctor visits and outpatient care. Medicare Parts A and B represent “Original Medicare.”
Individuals turning 65 who have enough work credits can enroll in Medicare Part A at no cost. If you have not paid Social Security taxes for at least 40 quarters/10 years, you must enroll in Part B to purchase Part A coverage and pay an additional premium.
If you are taking your Social Security retirement benefits, you should automatically be enrolled in Part B when you turn 65. If you are not taking any Social Security benefits, you will need to proactively sign up for Part B.
Medicare Supplements
A Medicare supplement or Medigap policy helps cover the costs such as deductibles, copays, and coinsurance that Original Medicare does not pay.
These plans are secondary to Original Medicare, offer various levels of coverage, and are offered by insurance companies who are licensed by the states to sell them.
You pay a monthly premium to the insurance company for the plan you select in addition to your Part B premium. Some plans have additional benefits that Medicare does not cover, such as free gym memberships to help you stay active.
Medicare Advantage
Medicare Advantage (Part C) is a private Medicare insurance plan that offers an alternative to Original Medicare. The government pays the Medicare Advantage company on your behalf to take on your medical risk.
Many plans have low and even zero dollar monthly premiums. You pay for medical services as you use them in the form of copays and coinsurance
Unlike Original Medicare, Medicare Advantage plans have an out of pocket maximum to protect your finances. Many plans also include benefits for things like dental & vision coverage. Limitations, copayments, and restrictions may apply.
Medicare Part D
Medicare Part D Plans work like pharmacy cards that give you lower-cost medications. Instead of paying the full cost for your prescriptions, you will pay only the copays required by the plan.
Up until 2006, there was no retail prescription drug coverage for Medicare beneficiaries.
Medicare Part D is voluntary, which means each individual can decide whether or not to enroll. However, you should think about not just the medications you are taking now, but also those that you may need in the future. Part D plans are very affordable, so you should definitely look into your options.
Our promise to you
Whether you’re a new Medicare recipient, an informed patient, or a family member shopping for elders, we provide the most up-to-date information available, listen to all of your needs and enroll you in the right plan.
We Listen to Your Needs
Help You Select Options
Sign You Up
