Free Medicare insurance consultations from Just Us Insurance for people new to Medicare or who are turning 65 years old..
Is your 65th birthday coming up?
- You have a seven month interval, called the “Initial Enrollment Period” to register for Part B. To enroll for Part B, people have up to three months before or after their 65th birthday to finish Enrollment.. Should you wait until after your 65th birthday to enroll for Plan B, your coverage will be delayed by 1 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. Your local Social Security Administration Office can help you in enrolling in your Part B Plan..
- Should you miss enrolling for the Medicare Part B Plan during the Initial Enrollment Period, you will end up penalized 10% for every year that passes. 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 have to enroll in this time frame to make sure you’ve got coverage for that year.
- In the event you have enrolled for Part B coverage inside the correct time period, your coverage will start on July 1st.
- Your coverage starts on your Part B effective month, and you won’t need to pay for your coverage until this date.
- In case your birthday is on the very first of the month, your coverage begins on the very first of the month before your birthday, otherwise your coverage will start on your 65th birth month.
- Medicare Advantage and Medicare Prescription Drug Plans should be enrolled for within the very first three months of your Part B coverage.
- Within half a year of your Part B coverage effective date, you have to enroll to get a Medicare Supplement Plan, otherwise your program will go through medical underwriting and your medical coverage will never be regarded as a “Guaranteed Issue”
Losing Existing 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..
- Sadly COBRA coverage isn’t regarded as credible.
- Coverage given by your company, from a severance package of similar situation, is considered credible coverage and you won’t need to enroll for Part B. It’s a requirement that you simply register for Part B within 8 months from the date you cease working, regardless of your present coverage status.
- People are permitted to get double coverage and in these conditions Medicare is considered to be the “first payer” This could happen when an individual already has Union insurance coverage or is covered by their VA benefits.
Are You Relocating to A Different State or Moving From A Different County?
You have to enroll for your own Medicare Part B plan within 63 days of formally moving. You can’t be refused coverage during this 63 day window as it’s regarded as a Guaranteed Issue interval. Once you have told the Social Security Administration about your move, the 63 days starts..
Medicare Choices and Coverage Options Ought To Be Reviewed Annually.
- You are able to get a complimentary and private Medicare Assessment by contacting Just Us Insurance at 760-822-3385.
We will assist you in going over these available plans :
- Medicare Prescriptions Drug Plan
- Medicare Advantage Coverage
- Medicare Supplement Insurance
We Provide the Following at Just Us Insurance:
* AARP/United Health Care
* Anthem
* SCAN
* Blue Shield
* CareFirst
* Humana
* Aetna
* Health Net
If you’re turning 65 and want to find out more regarding the Medicare Coverage Choices open 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
