Medicare for San Clemente Residents Open Enrollment : Oct 15th – Dec 7th
- Are You Turning 65?
- New to Medicare?
- Confused about your Medicare Options?
- We Can Help with your decision regarding Medicare!
Medicare Open Enrollment is right around the corner – October 15th through Dec 7th
If you have not already done so, this is the time to review the current insurance plans you have!
If your health has changed or your prescription drugs have changed, or if you need to switch Doctors, open enrollment for medicare is the time to review your current situation and make sure your current plan still fits what you need and your budget.
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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If it’s getting close to your 65th birthday you may be eligible to sign up for Medicare.
You may or may not know that Medicare is a federal health insurance program for people at a minimum of 65 years and older and others with certain disabilities. Now that you’re coming into eligibility for this plan or becoming eligible in the near future, it’s time to understand how Medicare works, what the different plans or parts are and how they fit into your current situation.
Medicare Parts A and B are considered Original Medicare. Part A pays for hospital care, and Part B pays for doctor visits and outpatient care.
Please be aware – Medicare 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 San Clemente
An insurance broker represents the insured as they are not under any legally binding agreements with an insurance carrier. This can significantly affect insurance negotiations attained through a broker. When you are nearing your enlistment window it is best to contact an insurance broker. A broker works for different insurance companies and can find the best plan for you. In the event that you are turning 65 or you are a new retiree who is apt to join Medicare, utilizing an Independent Insurance broker can be exceptionally beneficial. They will provide a no cost review to you of your alternatives and advise you of the best options available.
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.
