Just Us Insurance offers free Medicare plan consultations to individuals turning 65 or those new to Medicare.
Are you about to turn 65 years old?
- You’ve got a window of seven months offered to sign up for Part B. This is called your “Initial Enrollment Period” To ensure you’re registered in your Part B coverage, you should enroll three months before or after your 65th birthday. Your plan’s effective date will be pushed back by one month in the event you choose to enroll after your 65th birthday. A good example of this would be if an person waited until their 65th birthday in January to enroll, their plan wouldn’t go into effect until April. Your local Social Security Administration Office will help you in registering for your Part B Plan..
- For every 12 months that passes, while you’re not enrolled for Plan B, you will be penalized up to 10%. Once you have enrolled for Part B, you’ll pay an additional 10% of the existing premium for Part B coverage.. You’ll continue to pay this additional 10% for the remainder of your lifetime. For instance, in case your Part B premium is $100 a month, you’ll pay $110 each month.
- The Part B enrollment period starts on the first of January and ends March 31st, should you miss this Enrollment period, you would need to wait until the next year.
- >July 1st is when your Part B coverage will start, you won’t have any Part B coverage before the seven month window comes to a conclusion.
- Your coverage starts on your Part B effective month, and you won’t need to pay for your coverage until this date.
- In case your birthday is on the very first of the month, your coverage begins on the very first of the month before your birthday, otherwise your coverage will start on your 65th birth month.
- You should join a Medicare Advantage Plan or Medicare Prescription Drug Plan within three months of your Part B effective date.
- There’s a possibility you may be refused coverage in the event that you do not register for a Medicare Supplement Plan within half a year of starting your Part B coverage. During this period however, you may receive coverage as a “Guaranteed Issue”
In case You Are Retiring or are Going to Lose Present Coverage:
- Should you miss the accessible 63 day period to join Part B, you’ll need to manage the deadlines and fees listed above.
- Regrettably COBRA coverage isn’t regarded as credible.
- Coverage given by your workplace, from a severance package of similar conditions, is considered credible coverage and you won’t need to enroll for Part B. It’s a requirement that you simply register for Part B within 8 months from the date you cease working, regardless of your present coverage status.
- People are permitted to get double coverage and in these conditions Medicare is considered to be the “first payer” This could happen when someone already has Union insurance coverage or is covered by their VA benefits.
Are You Relocating to A Different State or Moving From A Different County?
After you formally move in, you have 63 days to sign up for your Medicare Part B plan.. You can’t be refused coverage during this 63 day window as it’s regarded as a Guaranteed Issue span. After you’ve told the Social Security Administration about your move, the 63 days starts..
You must review your Medicare Alternatives Yearly..
- Contact Just Us Insurance now at 760-822-3385 to get your private Medicare Assessment, cost-free..
Find out more concerning these plans and coverage alternatives :
- Medicare Advantage Insurance
- Medicare Supplement Plan
- Medicare Prescriptions Drug Coverage
We Provide the Following at Just Us Insurance:
*Humana
*Blue Shield
*SCAN
*United Health Care/AARP
*Health Net
*Aetna,*Anthem
*CareFirst
To go over the Medicare plan Choices offered to you personally, call Just Us Insurance.
Just Us Insurance
877-777-7055 FREE / INSR4U.com
Just Us Insurance is located in Oceanside CA.
To assist you, our Agents offer in home appointments in
Oceanside, Carlsbad, Vista, San Marcos, Escondido, Temecula,
Murrieta, Santee, El Cajon, San Clement, Mission Viejo, and Big Bear Lake.
Just Us Insurance operates in San Diego, Riverside, Orange and San Bernardino Counties.
92058,92057,92056,92054,92052,92051,92049
92010, 92011,92008,92009,92013,92018
92083, 92084, 92085, 92081
