Medicare Broker Santee
Medicare for Santee Residents Open Enrollment : Oct 15th – Dec 7th
- Turning 65?
- New to Medicare?
- Confused about your Medicare Options?
- We Can Help!
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.
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 the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD). 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 Part A (Hospital Insurance)
Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
Medicare Part B (Medical Insurance)
Part B covers certain doctors’ services, outpatient care, medical supplies, and preventive services.
Medicare Part C (Medicare Advantage Plans)
A type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans. If you’re enrolled in a Medicare Advantage Plan, most Medicare services are covered through the plan and aren’t paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage.
If you elect to participate in Medicare Part A and Part B, you’ll find 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.
Medicare Part C (Medicare Advantage plans) provides coverage for all of the services that Parts A and B cover. Part C might 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 Santee
Figuring out Medicare is a frustrating task. The amount of mail that a consumer receives upon turning 65 is astronomical. Everywhere you turn, someone is claiming to offer you “the best plan.” Since you have only one open enrollment window, selecting a plan without fully understanding it can be devastating in the long run. It’s important to find a trustworthy Medicare supplement insurance agent who understands how various plans work. An experienced and knowledgeable Medicare Supplement insurance agent can answer your questions, can compare your options and ultimately help you apply for coverage.
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.
