Medicare Enrollment Options

Time for a Medicare Insurance?

Medicare enrollment is a crucial step in securing healthcare coverage for individuals aged 65 and older, as well as certain younger individuals with disabilities. The enrollment process can initially seem daunting, but it is designed to ensure that you receive the necessary medical services and benefits. 
 

The initial enrollment period starts three months before you turn 65 and ends three months after your birthday month, giving you a seven-month window to sign up. If you miss this period, you may face late enrollment penalties, but there are special enrollment periods for certain situations, such as losing employer coverage. During enrollment, it’s important to review your healthcare needs, existing coverage, and budget to select the best plan. Our team is here to assist you in navigating these options, ensuring you understand each part’s benefits and how they apply to your specific situation. We are committed to making the Medicare enrollment process as smooth and stress-free as possible, helping you secure the coverage you need for your health and well-being.

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What we offer our medicare clients

We assist our customers in finding the right Medicare plan by thoroughly evaluating their healthcare needs and preferences. Our team of experts takes the time to explain the different parts of Medicare, including Parts A, B, C, and D, and how each can benefit them. We compare various plans from top providers, ensuring our clients receive comprehensive coverage at an affordable rate. By considering factors such as existing medical conditions, prescription drug requirements, and budget, we provide personalized recommendations that best suit their individual needs. Our goal is to simplify the Medicare enrollment process, offering continuous support and guidance every step of the way.

The different parts of Medicare

The enrollment process can initially seem daunting, but it is designed to ensure that you receive the necessary medical services and benefits. It begins with understanding the different parts of Medicare:

A

Medicare Part A

Part A covers hospital insurance. It includes coverage for semi-private rooms, meals, general nursing, and drugs as part of your inpatient treatment. However, it does not cover long-term care or custodial care. Most people don’t have to pay a premium for Part A if they or their spouse paid Medicare taxes while working.

B

Medicare Part B

Part B covers medical insurance. This includes outpatient care, doctor visits, laboratory tests, x-rays, mental health services, and some home health care. It also covers preventive services like flu shots and screenings for conditions such as cancer and diabetes. Unlike Part A, Part B typically requires a monthly premium, which can vary based on your income.

C

Medicare Part C

Part C (Medicare Advantage) offers an alternative to traditional Medicare with additional benefits. These plans must cover all services that Original Medicare covers except hospice care, which Original Medicare still covers even if you’re in a Medicare Advantage Plan. Many Medicare Advantage Plans offer additional benefits such as vision, dental, hearing, and wellness programs.

D

Medicare Part D

Part D provides prescription drug coverage. It is available through private insurers and can be added to Original Medicare, some Medicare Cost Plans, some Medicare Private-Fee-for-Service Plans, and Medicare Medical Savings Account Plans. Part D plans cover a wide range of prescription medications, including both generic and brand-name drugs.

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Need help with Medicare enrollment?

We offer comprehensive Medicare enrollment and supplemental services. Contact us today for more information.