Getting Started with Medicare

We understand the importance of maintaining continuity of care with the same medical providers you are already visiting. Our agents make it a priority to help you find a Medicare plan network that covers your preferred doctors. Since each situation is unique, we’ll discuss your needs and help you find the services that are a good fit for your required benefits.

Yes, our agents always look up your medication information to ensure that your plan covers the drugs you are using.

One of the benefits of choosing our services is that you receive Medicare coverage with no out-of-pocket costs for you. We don’t charge a fee for the provided services. Our agents are compensated by the health plan.

We’re working to keep your out-of-pocket expenses low, which is why we don’t bill any charges or fees for our services. Our services are free to all Medicare beneficiaries.

No, you are limited to one Medicare supplement. There are exceptions though when changing policies. For example, you have a 30-day window during the transition from one provider to another.

We are a broker that is proud to offer the most available Medicare plans. When you schedule a consultation, we’ll offer our professional recommendations to help you find an available plan that best suits your needs. Since there are so many options available, our agents don’t hesitate to tell you when a plan isn’t a good fit.

No, you can’t be dropped from a Medigap plan because of the number of medical expenses that are accrued. Medicare Supplements come with a guarantee that they are always renewable – as long as you are paying the premium, then your coverage will continue.

Yes, but only if you’ve received Social Security benefits for a minimum of 4 months before your 65th birthday. If you haven’t been receiving Social Security benefits during this time, then you must complete an application to receive Medicare benefits.

Your initial enrollment begins three months before you turn 65 and continues for three months following your birthday month. Coverage can start as soon as the first day of your birthday month.

Most people choose a Medicare Supplement or Medicare Advantage insurance plan, usually structured as a Preferred Provider Organization (PPO) or a Health Maintenance Organization (HMO). Your monthly out of pocket costs will vary depending on your selected plan. One of our insurance agents can explain the differences to help you find the right plan for your unique needs.

Medicare has five enrollment periods. In addition to annual enrollment, other enrollment availability depends on the unique circumstances of each person. It’s best to stay in contact with your insurance agent so you don’t miss your window.

On a Medicare Advantage plan, you can make changes during open enrollment – which happens between October 15 and December 7. Another Medicare Advantage Open Enrollment Period happens between January 1 and March 31. For Medicare Supplement plans, changes must happen during the Annual Enrollment period. Sometimes, changes can be made outside of the enrollment times due to special circumstances. It’s always best to talk to a licensed insurance agent before making any changes to your coverage.

The size of your group plan affects which provider pays first. Generally, Medicare will pay first when the group has less than 20 members. Groups with over 20 members are often the primary payer, with Medicare as the backup payment option. There are exceptions, so it’s best to talk to your agent for personalized advice.

Medicare Part B covers transportation to a hospital or skilled nursing facility for necessary circumstances. If a person is transported by ambulance and the hospital doesn’t think it was a necessity or emergency, then you might be responsible to pay those charges.

A Medicare beneficiary can’t be charged more or denied coverage because of a pre-existing condition. The exception is if a beneficiary is outside of the Annual Enrollment Period and signing up for supplemental insurance coverage – which means that pre-existing conditions might be subject to review.