Save Time by Working with a Medicare Coverage Agent

As your licensed insurance broker, I’m here to help you find the Medicare plan that’s best for your needs and budget. With so many options available, you could spend countless hours searching for plans and trying to figure out which one is right for you. Let me save you time and effort by shopping plans from nationally recognized carriers on your behalf. The best part? I’ll do it all at NO COST.

Parts of Medicare

Medicare has four main parts: A, B, C, and D. Parts A and B are provided by the federal government, while Parts C and D are offered by private insurance companies.

Medicare Eligibility

Whether you’re taking Social Security income benefits or not, you’re eligible for Medicare at 65. Some people are eligible before 65 if they have been receiving Social Security Disability benefits for 24 months, or they have End-Stage Renal Disease (ESRD, aka chronic kidney disease) or Amyotrophic Lateral Sclerosis (ALS, aka Lou Gehrig’s disease).

Your Primary Medicare Options

When you first sign up for Medicare and during certain times of the year, you can decide how to get your coverage. There are two main ways to get Medicare:

Medicare Supplements

Surprise expenses are no fun. I can enroll you in a Medicare Supplement (Medigap) plan to help fill the gaps in your Original Medicare coverage, so there are more predictable out-of-pocket costs. The most popular plans nationwide are F, G, and N.

Medicare Advantage Plans

A Medicare Advantage plan includes hospital, doctor, and prescription drug coverage. Plus, your compact plan may offer benefits that Original Medicare doesn’t. If you’re looking to simplify your Medicare coverage, I can help you decide which plan makes the most sense for your situation.

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Prescription Drug Plans

According to Forbes, prescription drug prices have increased by 33% since 2014. I can help you better manage your prescription costs with a Medicare Part D plan. Contact me to understand the eligibility requirements and four coverage stages.

Medicare Enrollment

There are select times of the year when you can enroll in Medicare.

Your Initial Enrollment Period (IEP) begins three months before you turn 65 and ends the three months after. During your IEP, you can enroll in Original Medicare for the first time — if you’re not enrolled automatically.

Important Note: If you’re already getting Social Security income benefits, you’ll automatically be enrolled in Part A. And you don’t need to activate Part B unless you’re retired.

Those who already have Original Medicare can enroll in, change, or drop a Part D or Medicare Advantage plan during the Annual Election Period (AEP). Medicare AEP is October 15 to December 7 every year.

If you missed your initial enrollment and don’t qualify for a special enrollment period, you can sign up for Part A and/or Part B during the General Enrollment Period (GEP). This window is January 1 to March 31, and your coverage will be delayed until July 1.

Contact Me Today

It has never been easier to find the right Medicare coverage. For all your questions, contact me at (352) 558-7819.