Medicare: Assistance

There are a lot of moving parts when it comes to Medicare and which coverage to purchase. Our office can assist you with Part A, B, and D enrollment. As well as, determining whether a Medicare Supplement or a Medicare Part C Advantage Plan is best for you.

We offer in-person and Zoom meetings to all participants looking to enroll in Medicare. keep in mind that you have 3 months before your 65th birthday and 3 months after to sign up. You will automatically be enrolled in Part A and will be required to enroll in Part B before your 65th birthday or you will incur a penalty. Complete the below form with your name, date of birth, and email; and we'll send you a reminder before your 65th birthday.

• Part A covers inpatient hospital stays, skilled nursing facility stays, some home health visits, and hospice care. Part A benefits are subject to a deductible ($1,408 per benefit period in 2020). Part A also requires coinsurance for extended inpatient hospital and skilled nursing facility stays. There is no monthly premium for Part A.
  
• Part B covers physician visits, outpatient services, preventive services, and some home health visits. Many Part B benefits are subject to a deductible ($198 in 2021), and, typically, coinsurance of 20 percent. No coinsurance or deductible is charged for an annual wellness visit or for preventive services that are rated ‘A’ or ‘B’ by the U.S. Preventive Services Task Force, such as mammography or prostate cancer screenings. The Part B premium is determined by your annual income. The premium chart can be found here:
  
• Part C refers to the Medicare Advantage program, through which beneficiaries can enroll in a private health plan, such as a health maintenance organization (HMO) or preferred provider organization (PPO), and receive all Medicare-covered Part A and Part B benefits and typically also Part D benefits.
  
• Part D covers outpatient prescription drugs through private plans that contract with Medicare, including stand-alone prescription drug plans and Medicare Advantage plans with prescription drug coverage. Enrollees pay monthly premiums and cost-sharing for prescriptions, with costs varying by plan. Medicare.gov allows the enrollee to input the prescriptions they take to help determine their monthly premium and out-of-pocket costs. You can even select your favorite pharmacy.
  
• Medicare Supplement (also known as Medigap) covers costs that normal Medicare doesn't cover, like copays, deductibles, and coinsurance. It does all this with a steady, predictable, monthly bill you can budget for. It cannot be canceled. It will be renewed as long as you pay your premium on time. There are a variety of Medicare Supplement Plans, C, D, F, G, M, and N to be exact. Each plan has its onset of features and should be considered based on the beneficiaries medical needs.
  

Schedule a complimentary in-person/Zoom consultation below. We look forward to helping you find the coverage you need!