Medicare Insurance Broker San Marcos

Medicare Open Enrollment is coming up: Oct 15th – Dec 7th

• Are you Turning 65 or already 65 or older?
• Are you new to Medicare?
• Do you understand your Medicare Options?
• At Just Us Insurance, we Can Help!

If your health status or doctor approved medical prescription list has changed, or if you need to change to a new 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 unsure or have questions about your Medicare options, 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) covers all the services that Parts A and B cover.
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.

It’s easy to know if you’re eligible. If you’re turning 65, you have an opportunity to enroll in a Medicare plan. You can enroll 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 Marcos

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.