Call Just Us Insurance to find out more concerning the insurance options offered to people about to turn 65..
Are you about to turn 65 years old?
- Individuals have a 7 month period, called the “Initial Enrollment Period” to enroll in Part B. To ensure you are enrolled in your Part B plan, you must register 3 months before or after your 65th birthday. If you opt to register after your 65th birthday, your plan will not start until the following month. Example : Should you turn 65 in January, and you wait until February to sign up for Part B, your Part B effective date will be April 1st. You’ll not have Part B coverage until April 1st.. You must sign up for your Part B plan in person at the Social Security Administration Office.
- If you miss enrolling for your Medicare Part B Plan during the Initial Enrollment Period, you may be penalized 10% for every 12 months that passes. Once you register for Part B, you will pay 10% of the present Part B premium. If your premium on your Part B coverage is $100 each month, you will pay a total of $110 a month, each month.
- The Part B enrollment period commences on the first of January and ends March 31st, if you miss this Enrollment period, you would have to wait until the next year.
- You aren’t covered by Part B until July 1st, if you have enrolled for Part B in this time period..
- You will not begin paying for Part B until your Part B effective month.
- If you decide to enroll when you’re allowed, your coverage begins on the month of your 65th birthday. However, if your birthday falls on the 1st of the month, your coverage will start one month earlier..
- Medicare Advantage and Medicare Prescription Drug Plans must be registered for within the very first three months of your Part B coverage.
- There is a possibility you can be denied coverage in the event you do not register for a Medicare Supplement Plan within half a year of starting your Part B coverage. In this window however, you may receive coverage as a “Guaranteed Issue”
In the event You Are Retiring or are About to Lose Present Coverage:
- If you miss the accessible 63 day period to subscribe to Part B, you’ll need to handle the deadlines and fees listed above.
- COBRA is not regarded as credible coverage.
- You have to register for Part B coverage within the first eight months which you quit working, even if your employer has provided insurance coverage from a severance plan or similar package.
- Individuals are allowed to have double coverage and in these conditions Medicare would be be the “first payer” This may happen when someone already has Union insurance coverage or is covered by their VA benefits.
Are You Moving to Another State or Moving From Another County?
- You only have 63 days after you “officially” move to be able to change your plan, or enroll into Medicare part B. This time frame is recognized as a “Guaranteed Issue” period this means that you can’t be refused coverage. The clock begins “ticking” after you tell the Social Security Administration about your move.
Medicare Alternatives and Coverage Plans Should Be Reviewed Annually.
- Call Just Us Insurance now at 760-822-3385 to get your confidential Medicare Assessment, totally free..
We offer services and consultations for:
- Medicare Prescriptions Drug Plan
- Medicare Advantage Coverage
- Medicare Supplement Insurance
The Following Insurance Coverage Providers Can Be Obtained by Just Us Insurance:
* Humana
* Blue Shield
* SCAN
* United Health Care/AARP
* Health Net
* Aetna,*Anthem
* CareFirst
To go over the Medicare plan Choices open 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
