Medicare

Medicare has become one of the most frequently asked about lines of coverage in our business. With all the options available we find that our clients appreciate the local and personalized service we are able to provide.

Medicare Facts

Know your A’s, B’s, C’s and D’s

Enroll in Original Medicare when you become eligible
You’re eligible for Original Medicare when you’re at least 65 years old, or you’re under 65 and qualify on the basis of a disability or other special situation.

Initial Enrollment Period
When you turn 65 or otherwise become eligible for Medicare, you’ll have your Initial Enrollment Period. This begins three months before and ends three months after the month of your 65th birthday (a seven-month window). If you have employer or plan-sponsored coverage when you first become eligible, you won’t need to enroll until you retire or otherwise lose that coverage. Prescription drugs (Part D) coverage must be creditable or you may be subject to a late-enrollment penalty when you enroll in a plan with Part D benefits.

Annual Enrollment, October 15 - December 7
During this period you can add, drop or switch your Medicare plan coverage.

Special Election Period
Some individuals may also qualify for a Special Election Period. Depending on certain circumstances, you may be able to enroll in a Medicare plan outside of the Initial Enrollment Period or Open Enrollment time frames.

You may qualify for a Special Election Period if you:

• Retire and lose your employer coverage
• Move out of the plan’s service area
• Receive assistance from the state
• Have been diagnosed with certain qualifying disabilities or chronic health conditions
• Special Needs Plans have other eligibility requirements

Medicare Advantage Open Enrollment Period
Between January 1 and March 31, you may make a one time change from a Medicare Advantage plan to a different Medicare Advantage plan, or, disenroll from a Medicare Advantage plan and return to Original Medicare.

Medicare Part A
Covers hospital stays and inpatient care.

Medicare Part B
Covers doctor and outpatient visits.

Medicare Supplements /Medigap/ Offered by private companies
Helps pay some of the out-of-pocket costs that come with original Medicare.

Medicare Part D / Offered by private companies
Covers prescription drugs.

Medicare Advantage (Part C) / Offered by private companies
Part C: combines Parts A (hospital) and B (doctor)
Plus, may provide additional benefits such as routine eye care, eye glasses, hearing, dental, health club membership and alternative care.
Note: Most plans cover prescription drugs.

To Better Understand Your Needs CONTACT US TODAY for a free consultation by phone at the top of the page.

Medicare-specific Testimonial

"I was referred to Brandy by someone who had received her help. Although making me eligible for Medicare, my disability left me very limited in my financial resources for selecting a supplemental co-insurance. In addition, I had more extensive challenges due to the specific surgery and surgeon team I required without being 65 years of age yet. Brandy did research I couldn’t, found a variety of options I had no idea were even possible and helped me successfully resolve complicated issues, returning control and hope to me in my unique situation."