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About Medicare Insurance

What is Medicare?

Medicare is the federal health insurance program for people who are 65 or older. It is also available for individuals who are under age 65 with disabilities or people with End-Stage Renal Disease.

Medicare Annual Enrollment is From Oct. 15 - Dec. 7

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Medicare Prescription Drug Plans and Medicare Health plans undergo annual changes, which can impact your coverage and expenses. At our licensed insurance agency, we specialize in helping clients navigate these changes and save money on their prescription medications and supplemental coverage.

With over 15 years of experience serving Medicare clients, we represent major Medicare Supplemental Carriers and Prescription Drug plans as Independent Insurance Agents. Our extensive portfolio allows us to tailor plans to your unique needs, always prioritizing your best interests.

Our agency is dedicated to fostering life-long relationships with our clients. We prioritize delivering personalized, one-on-one service to ensure that you receive the support and savings you deserve.

We believe that knowledge is key to making informed decisions and achieving peace of mind. That's why we promise to educate you about your options through annual reviews and educational webinars. Let us assist you with your Medicare coverage needs and build a lasting partnership together.

Are you approaching Medicare Eligibility?

Your 65th birthday marks a significant milestone, not only as the once-standard retirement age but also as the year you become eligible for Medicare enrollment. However, with many individuals choosing to extend their careers past this age, navigating Medicare coverage options can be complex and overwhelming.

At our agency, we specialize in helping individuals approaching age 65 understand their Medicare options, whether they are continuing to work or not. We provide guidance to help you assess the costs of Medicare versus your employer-based health plan, empowering you to make informed decisions about your healthcare coverage.

We recommend reaching out to our office six months before your 65th birthday or six months prior to retirement (if working post-age 65). This allows ample time to develop a comprehensive strategy and determine the most suitable options for your needs. With our support, we'll be by your side throughout your Medicare journey, offering assistance and guidance every step of the way.

Let's Break Down the Parts of Medicare

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Medicare Part A - Hospital

Medicare Part A is “Hospital Insurance.” Most Medicare Part A beneficiaries don't have to pay a monthly premium to receive coverage under this part of Original Medicare; this is called "premium-free Part A."

Medicare Part A typically doesn't cover the full amount of your hospital bill, so you will probably be responsible for a share of the cost.

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Medicare Part B - Medical

Medicare Part B, often referred to as 'Medical Insurance,' requires a standard monthly premium, with the amount set at $174.70 per month (or higher depending on your income).

In addition to the premium, Part B includes an annual deductible of $240. Once you meet this deductible, you're typically responsible for paying 20% of the Medicare-approved amount for most doctor services, outpatient therapy, and durable medical equipment. This co-payment applies to most doctor services, even if received while you're a hospital inpatient.

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Medicare Part C

Medicare Part C is another name for Medicare Advantage. Medicare Part C is administered by private insurance companies contracted with Medicare. Medicare Part C covers everything that Original Medicare (Part A and Part B) cover and may cover extra benefits as well.

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Medicare Part D - Prescriptions

Your Medicare Prescription Drug plan is designed to offer coverage for your medications. Since these plans undergo annual changes, it's crucial to review your coverage each year. Our office conducts annual reviews to ensure our clients are enrolled in the most cost-effective plan tailored to their needs.

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Medicare Supplement

Your Medicare Supplement fills the gaps left by Parts A and B, providing coverage for Medicare-approved services at your doctor's office and hospital.

As Independent Insurance Agents, we work with numerous Medicare Supplement carriers to find a plan tailored to your needs.

What You Can Expect From Our Office:

Yearly Reviews
Most of our clients who join our team have similar stories. They have been on Medicare, and they either don't remember the name of the agent who signed them up, OR they have had rate increases and haven't heard from their agent.

Our team believes in being proactive. We walk with our clients through their Medicare journey. Yearly reviews are essential to make sure you're on the most cost-effective plan for both your doctors and hospital services as well as your prescriptions.

Cost-saving Solutions
We shop the market independently for you. We don't work for the insurance company - we work for you. We understand how Medicare works and want to provide our clients with comprehensive coverage at an affordable price.

A Team of Support and Service
Our office takes the time to educate you about your options. We keep you informed of changes throughout the year. We want our clients to have peace of mind and believe in being a team of support for them.

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