Free Medicare insurance consultations from Just Us Insurance for people new to Medicare or who are turning 65 years old..
Turning 65? Find out more about your Medicare choices.
- The “Initial Enrollment Period” (IEP) is the 7 month window you have to sign up for your Medicare Part B coverage.. To make sure you’re registered in your Part B coverage, you need to enroll three months before or after your 65th birthday. Should you wait until after your 65th birthday to enroll for Plan B, your coverage will be delayed by one month. A good example of this would be if an person waited until their 65th birthday in January to enroll, their plan wouldn’t go into effect until April. To join your Part B plan, visit your local Social Security Administration Office.
- For every 12 months that passes, while you’re not enrolled for Plan B, you will be penalized up to 10%. You’ll pay an additional 10% of your Part B premium, for those who have waited a year after your 65th birthday to enroll. For example, if your premium for your own Part B coverage is $100 each month, you will have to pay a total of $110 a month, every month.
- The 1st of January is when the Part B Enrollment Period starts and it ends on March 31st. You should enroll in this time frame to make sure you’ve got coverage for that year.
- You aren’t covered by Part B until July 1st, for those who have enrolled for Part B in this period..
- Your coverage starts on your Part B effective month, and you won’t need to pay for your coverage until this date.
- Should you choose to enroll when you’re capable, your coverage will start on the month of your 65th birthday. Unless, in case your birthday is the 1st of the month, your coverage will start one month earlier..
- You need to join a Medicare Advantage Plan or Medicare Prescription Drug Plan within three months of your Part B effective date.
- There’s a possibility you may be refused coverage should you not register for a Medicare Supplement Plan within half a year of starting your Part B coverage. In this period however, you may receive coverage as a “Guaranteed Issue”
Losing Present Coverage or Are You Retiring?
- The fees and deadlines will apply should you not register for Part B coverage inside the very first 63 days of losing your coverage..
- Regrettably COBRA coverage isn’t regarded as credible.
- Coverage given by your company, from a severance package of similar conditions, is considered credible coverage and you won’t need to enroll for Part B. This is a requirement that you simply register for Part B within 8 months from the date you cease working, regardless of your present coverage status.
- Union coverage or coverage given by your VA benefits can offer you double medical coverage. In such conditions, Medicare is regarded as the “first payer”
Moving to a New County or State :
You need to enroll for your own Medicare Part B plan within 63 days of formally moving. This time frame is recognized as a “Guaranteed Issue” interval and you can’t be refused coverage. These 63 days start once you have talked about your move to the Social Security Administration.
You need to review your Medicare Alternatives Yearly..
- Contact Just Us Insurance now at 760-822-3385 to get your private Medicare Assessment, cost-free..
We will assist you in going over these available plans :
- Medicare Prescriptions Drug Plan
- Medicare Advantage Coverage
- Medicare Supplement Insurance
Just Us Insurance Provides the Following:
* Humana
* Blue Shield
* SCAN
* United Health Care/AARP
* Health Net
* Aetna
* Anthem
* CareFirst
To go over the Medicare plan Choices offered to you personally, call Just Us Insurance.
Just Us Insurance
877-777-7055 FREE / INSR4U.com
Just Us Insurance is located in Oceanside CA.
To assist you, our Agents offer in home appointments in
Oceanside, Carlsbad, Vista, San Marcos, Escondido, Temecula,
Murrieta, Santee, El Cajon, San Clement, Mission Viejo, and Big Bear Lake.
Just Us Insurance operates in San Diego, Riverside, Orange and San Bernardino Counties.
92058,92057,92056,92054,92052,92051,92049
92010, 92011,92008,92009,92013,92018
92083, 92084, 92085, 92081
