Health insurance can be complicated. Let us help you get the protection you need for your own peace of mind.
Medicare is a health benefits program for all U.S. citizens or permanent residents who meet specific work history necessities. Medicare is for people at least 65 years old or people that meet certain disabilities.
Medicare is administered by the Centers for Medicare and Medicaid Services (CMS), which is an agency of the Department of Health and Human Services.
There are 4 parts to Medicare:
1. Part A: Hospital (Skilled nursing facility, Hospice, and Home Health)
2. Part B: Medical (Doctors, Labs, Imaging) Services
3. Part C: Medical Health plan providing both parts A & B (also known as Advantage plans)
4. Part D: Prescription Drug plan
Enrolling in Medicare
You can enroll in Medicare 4 months (includes your birth month) before you turn 65 Online, or a Senior Center. If you are taking Social Security benefits, you will automatically be enrolled in part A, providing you have met the work requirements, at zero cost premium.
You can enroll in Part B at the same time and as of 2017, most premiums are $134.00 per month. You can also decide not to enroll in Part B. However, there may be penalties incurred if you do not enroll at the age of 65, depending on your current health insurance.
Once enrolled in Parts A and B you can then decide to what if any plans to help pay for deductibles and out of pocket expenses or coinsurance (your share of the costs of a healthcare visit).
Coinsurance Plan Options
Once you enroll in Medicare, you have options to get a plan to help pay some of those medical bills that Medicare does not pick up.
1. Enroll only in Original Medicare parts A & B and pay all deductibles and copays (Self Insure) that Medicare does not cover.
2. Purchase a Medigap or Supplement plan.
3. Purchase a Medicare Advantage (MA) plan or part C. Some of these plans you can pick up at a zero cost premium. Most of these plans include Part D (prescription drugs).
4. Purchase a Prescription Drug plan (PDP) or Part D. Beneficiaries that do not have/ maintain a creditable drug plan will incur a late enrollment penalty if one is not selected at the time they enroll in Medicare.
To receive information about plans or a quote please call June Johnson at 920-284-6067, email email@example.com, or submit your information on our to contact page.
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