Medicare Broker Vista
Medicare for Vista Residents Open Enrollment : Oct 15th – Dec 7th
- Are you familiar with Medicare?
- Are you about to turn 65?
- Do you know the different Medicare Options?
- If you have questions, We Can Help!
Medicare Open Enrollment is right around the corner – October 15th through Dec 7th
If you have not reviewed your current insurance plans, now is the time!
If your health or doctor approved prescription drug list is different, or if you are looking to change to a different Doctor, open enrollment is the time to review your current plan to make sure it still fits your needs 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 you’re nearing your 65th birthday you have become eligible to sign up for Medicare.
What is Medicare? Medicare is a federal health insurance program for people who are 65 years and older and other people who may have certain disabilities. Now that you’re either eligible for this plan now 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 is split into different plans. Medicare Parts A and B are considered the Original Medicare. Simply put, Part A pays for hospital care, and Part B pays for doctor visits and outpatient care.
For your information, 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.
Although the insurance providers and prices can vary, the benefits in standardized Medigap plans do not. Medigap plans are standardized nationally, except in the 3 waiver states. One insurance company’s Medigap plan must offer the same benefits as the same plan from another company. You get the same set of Medigap benefits regardless of who provides the policy.
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 Vista
Insurance agents and insurance brokers vary on the choices they provide. Medigap brokers typically provide customers with multiple insurance options, since they are not linked to only one specific insurance company. This can have a huge impact on insurance rates attained through a broker. When you are nearing your enrollment window it is beneficial to contact an insurance broker. An insurance broker works for several different insurance companies. If you are just turning 65 or a new retiree who is interested in enrolling in Medicare using an Independent Insurance broker 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.
- Youmust 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.
