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I understand that everyone’s Medicare needs are unique. If you need help, let’s review your current plan to see if it’s truly meeting your needs. Together, we can explore other plan options that may better suit your requirements and budget. Best of all, my services are completely free to you.
Medicare, a federal health insurance program administered by Centers for Medicare & Medicaid Services (CMS), provides coverage for consumers who are:
Individuals who meet eligibility requirements are generally automatically enrolled in the Medicare program by the Social Security Administration (SSA) or the Railroad Retirement Board (RRB).
Medicare has four parts: A, B, C, and D. Parts A and B are federal insurance program referred to as Original Medicare. All parts of Medicare include cost sharing, such as deductibles, copayments or coinsurance, and specific eligibility qualifications.
Original Medicare & Medigap:
An insurance policy you can buy to help lower your share of certain costs for Part A and Part B services (Original Medicare)
Medicare Advantage Plan:
A type of Medicare-approved health plan that you can choose to cover most of your Part A and Part B benefits instead of Original Medicare.
1. HMO (Health Maintenance Organization):
– You must use a network of doctors and hospitals for care.
– Typically requires a primary care physician (PCP) for referrals.
– Usually the most affordable option.
– Limited coverage outside the network, except for emergencies.
2. HMO/POS (HMO Point of Service):
– Similar to an HMO but allows more flexibility to see out-of-network doctors.
– Higher costs for out-of-network services.
3. PPO (Preferred Provider Organization):
– You can see any doctor, but it’s cheaper within the network.
– No need for a PCP or referrals.
– More flexible but generally more expensive than HMOs.
4. SNP (Special Needs Plans):
– Tailored for people with specific needs (chronic conditions, living in long-term care, or dual Medicare and Medicaid).
– Includes prescription drug coverage.
5. PFFS (Private Fee-for-Service):
– See any doctor who accepts the plan’s terms.
– May have a network of providers, but you can go outside if the provider agrees.
6. MSA (Medical Savings Account):
– Combines a high-deductible insurance plan with a savings account.
– You can use the savings account for medical expenses.
– Doesn’t usually include drug coverage.
When Choosing a Plan: Review coverage, costs, and prescription benefits. Schedule a Call.
Advising available in: FL, GA, AL, SC, NC, TX, VA, OH, MI, WA, OR
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To get more information about Medicare and every plan that is offered in your area.
You can apply here for your Medicare benefits online if you are turning 65.
Generally, when you turn 65. This is called your Initial Enrollment Period. It lasts for 7 months, starting 3 months before you turn 65, and ending 3 months after the month you turn 65.
If you’re still working and have health coverage through your employer, you might choose to delay signing up for Medicare when you first become eligible.
Many people do not know but you may qualify for Extra Help with your Medicare prescription drug plan costs.
Medicaid for low-income individuals who are either aged (65 or older) or disabled.
Courtesy: CMSHHSgov
Have a question or need to make a change to your current plan? Let’s Talk.
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Advising available in: FL, GA, AL, SC, NC, TX, VA, OH, MI, WA, OR
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