Medicare Broker Murrieta

Medicare for Murrieta Residents Open Enrollment : Oct 15th – Dec 7th

Has your health changed?
Are you familiar with Medicare?
Are you 65 years or older?
If you have questions about medicare coverage, we Can Help!

Medicare Open Enrollment is right around the corner – October 15th through Dec 7th. If you are not sure or you have questions about your plan or what Medicare can do for you, please give us a call for a NO COST CONSULTATION – 760-822-3385

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In case you’re nearing your 65th birthday you have gotten to be qualified to agree to Medicare.

You most likely know that Medicare is a government health care coverage program for individuals 65 and over and others with specific disabilities. Now that you’re qualified or almost eligible sooner rather than later, it’s a great opportunity to figure out how Medicare functions, what the different plans or parts are and how they fit into your present situation.

Medicare Parts An and B are viewed as Original Medicare. Part A pays for hospital care, and Part B pays for doctor visits and outpatient care.

Medicare provides a lot of coverage, but it doesn’t cover everything.

Medicare is a program that helps you get the coverage you need, but you need to understand as well that you will be responsible for a portion of the costs.

If you decide to enroll in Medicare Part A and Part B, you’ll soon learn that there are gaps in the coverage. Many people enroll in a Medicare Advantage, Part D Prescription Drug and/or a supplemental plan to help offset some of the costs and benefits that aren’t covered by Original Medicare.

Another part of the Medicare plan is Medicare Part C. Part C or Medicare Advantage plans provide coverage for all of the services that Parts A and B cover. In addition, Part C may also include prescription drug coverage, as well as vision, hearing and dental coverage, and preventive services. Medicare Part D plans help with prescription drug costs. Medicare Supplement Insurance plans (Medigap) help cover some of the costs that Parts A and B don’t cover.

Call us today and we will help you determine if you’re eligible for Medicare. If you’re 65 years old or older, you will be able to enroll in Medicare. There are different enrollment timeframes that include: three months before the month you turn 65, the month of your birthday and three months after. If you wait to enroll in a plan, there is a chance you’ll have fewer plan choices, and you may have to pay more

A Medicare Broker in Murrieta

Finding an insurance broker who specializes in medicare will help you to learn the basics and coverage you can attain. A broker represents the insured and represents multiple insurance carriers so their goal is to find the best plan and best rate for the clients. This can have a sizable impact on insurance negotiations and can lead to better rates. When you are getting close to the enrollment window it is recommended that you contact an insurance broker. If you are just turning 65 or a new retiree who is interested in enrolling in Medicare using an Independent Insurance broker, this can be very beneficial. They will provide a no cost to you review of your options and help inform you so that you can make an educated decision.

When are you eligible for Medicare Insurance?

You’re 65 or older, or have a qualified disability.
You’re a U.S. citizen or legal resident for five consecutive years.

You medicare plan choices don’t have to be permanent.

If your health care needs change over time. So will the health plans you want to choose. You’re not locked into one plan permanently. You’ll have an opportunity to change plans at least once a year.

Here are some things to know about the “age 65” rule.

Even if you’re already collecting Social Security, you must wait until you’re 65.
In order to participate, you must be 65. Your spouse’s age doesn’t count.
Even if you’re not collecting Social Security yet, you’re eligible at age 65.

If you have questions about when you will be eligible for Medicare, visit www.medicare.gov.