Medicare Broker Encinitas

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

• Are you Turning 65?
• Do you know a lot about Medicare?
• Are you 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.

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 note – Medicare doesn’t cover everything.

Medicare is a program that helps you get the coverage you need, but you should also be aware that you will be responsible for some of the costs.

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.

It’s easy to find out if you’re eligible for Medicare. If you’re almost 65 years old, you will be able to enroll in a Medicare plan.  The enrollment timeframes are: 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 Encinitas

An insurance broker represents the insured as they are not under any contractual agreements with an insurance carrier. This can have a significant impact on insurance negotiations 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?

1. You’re 65 or older, or have a qualified disability.
2. 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.