Choosing healthcare coverage is an important decision that impacts your health, finances and lifestyle. But without help, it can be confusing and frustrating to understand which Medicare options or combination of coverage will work best for your personal healthcare needs and budget.
Whether you’re enrolling for the first time or reconsidering your current Medicare plan, we can offer personal assistance to help you find the plan that provides the coverage you need.
Our knowledgeable specialists work closely with you and will:
- Assess your specific needs – including healthcare requirements, your doctors, prescriptions and budget.
- Identify available Medicare plans in your local area that best fit your specific needs.
- Help you understand the complex issues of Medicare, such as the “donut hole” and coordinating benefits when you’re still working.
- Prepare a customized report of plan options and benefits that offers a comparative look at premiums, deductibles, co-pays and coverage limits.
- Provide enrollment assistance in most Medicare plans of your choice.
- Serve as a resource should your Medicare needs change in the future.
There may be dozens of plan choices available in your area. We can give you the support and confidence you need to choose the Medicare coverage that’s right for you. To learn more, visit our Medicare FAQ, or read our short explainer below.
Better Understanding Medicare
Medicare is a federally-funded health insurance program. Medicare has four parts: Part A, Part B, Part C and Part D
If you are aged 65 or older and are not disabled, getting benefits from Social Security or the RRB and have not been awarded SSDI benefits, you will need to contact the Social Security Administration (SSA) office to enroll.
If you are getting Social Security or RRB benefits, have been awarded SSDI benefits or have been diagnosed with ALS, you will be automatically enrolled in Medicare. If you have been diagnosed with ESRD, you will need to contact the SSA to enroll.
Most people become eligible for Medicare when they turn 65.
- If you’re awarded Social Security Disability Insurance benefits for something other than Lou Gehrig’s disease (ALS), you will become eligible for Medicare 24 months after the date of entitlement to cash benefits.
- If you have ALS, you will automatically be eligible for Medicare once you begin getting Social Security Disability Insurance (SSDI).
- If you have been diagnosed with ESRD or kidney failure, you will be eligible for Medicare three months after starting dialysis. If you choose self-dialysis, then Medicare coverage begins retroactively to the first month of dialysis.
Once you’re enrolled in Medicare, you’ll have a variety of options to choose from to get complete coverage. You can either choose a single plan to cover all your needs or you can choose a combination of plans. But before you make a decision, you should assess your health and finances and compare these with the Medicare options available to you. Your Medicare options will generally fall under two main categories: Original Medicare (also known as traditional Medicare, which includes Part A and Part B) and Medicare Advantage plans. There also are other specialized Medicare plans available.
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