When Do I Enroll in Medicare?

Three months before 65th birthday, the month of 65th bd and three months after
The date when your Medicare coverage begins depends on when you sign up

Annually: January 1st – March 31st
Coverage begins July 1st with a penalty

Varies depending on your situation

Receive Social Security Disability for 24 months

Advantage Plans

Medicare Prescription Savings (Rx) Savings

Parts of Medicare

Part A (Hospital Insurance):

Helps cover inpatient care in hospitals, skilled nursing facility care, hospice care, and home health care.

Part B (Medical Insurance):

Helps cover:
Services from doctors and other health care providers
Outpatient care
Home health care
Durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment)
Many preventive services (like screenings, shots or vaccines, and yearly “Wellness” visits)

Enroll in Medicare A & B

Retired = yes

On Social Security & 65 = Yes

Not on Social Security = Self Enroll

Working compare premium copays, deductibles, maximum deductibles and medication cost

Disabled for 24 months and under 65 check with SS

Compare Original Medicare & Supplement

Original Medicare:

Original Medicare includes Part A and Part B. You can join a separate Medicare drug plan to get Medicare drug coverage (Part D). You can use any doctor or hospital that takes Medicare, anywhere in the U.S. To help pay your out-of-pocket costs in Original Medicare (like your 20% coinsurance), you can also buy supplemental coverage, like Medicare Supplement Insurance (Medigap), or have coverage from a former employer or union, or Medicaid.

Coinsurance:

A percentage of the cost that you pay. In Part B, you generally pay 20% of the cost for each Medicare-covered service

Medicare Supplement Insurance: (Medigap)

An insurance policy you can buy to help lower your share of certain costs for Part A and Part B services (Original Medicare). Medigap is Medicare Supplement Insurance that helps fill "gaps" in Original Medicare and is sold by private companies.

Part D (Drug Coverage):

Helps cover the cost of prescription drugs (including many recommended shots or vaccines). You join a Medicare drug plan in addition to Original Medicare, or you get it by joining a Medicare Advantage Plan with drug coverage. Plans that offer Medicare drug coverage are run by private insurance companies that follow rules set by Medicare.

Original Medicare

A fee-for-service health insurance program that has 2 parts: Part A and Part B. You typically pay a portion of the costs for covered services as you get them. Under Original Medicare, you don’t have coverage through a Medicare Advantage Plan or another type of Medicare health plan.

Medicare Advantage Plan (Part C)

A type of Medicare-approved health plan from a private company that you can choose to cover most of your Part A and Part B benefits instead of Original Medicare. It usually also includes drug coverage (Part D).

Medicare & Medicaid Services

If you have limited income and resources, you may qualify for  Medicaid – a joint federal and state program that helps with medical costs. 

Medicaid also offers benefits not normally covered by Medicare, including nursing home care and personal care services. 

You may also be able to get help paying your Medicare premiums and other costs through a Medicare Savings Program run by your state. If you qualify for Medicare Savings Program, you’ll get Extra Help (LIS) paying for your prescription drugs. You can apply online at sea.gov or my office is happy to assist you.

We work for you

  • Only represents one or two Medicare carriers
  • Captives can receive bonuses and monthly stipends for making quotas 
  • Don't get paid if they don't make a sale
  • Will only be able to offer you a few plans, wether or nor they fit your needs
  • Don't have your best interest in mind
  • Will be authorized to offer many different Medicare plans
  • Are contracted directly with Medicare insurance carriers and report to CMS (Centers for Medicare/Medicaid Services)
  • Have your best interest in mind
  • Large portfolio of Medicare plans allows them to fit your plan to your unique needs

Companies we represent

Mutual of Omaka
Well Care
United Healthcare
aetna
Silver Script
Prosperity
Imperial Health Holdings
Steward Health Care
CSI
Banner University Health Plans
AIG
Allwell
medicareful
Humana
Cigna Health Spring
Blue Cross Blue Shield Arizona
GTL Insurance
GCU Medicare
Amerigroup
Principal

Approaching Medicare – How to Prepare

Part B (Medical Insurance):

TV –News Paper –Radio – Mail - Online – Internet – Email – Text Messages Other – Family – Friends – Insurance Agencies – Social Security Offices – Doctor Offices – Dentist OfficesAgent – There are Two Types Brokers and Captive Captive agents are limited on options and knowledge Brokers are unlimited with plans benefits and are knowledgeable about all plans that fit your needs

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