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Medicare 101
Medicare is a federal health insurance program. It covers people 65 or older, and some younger people with disabilities or other special situations.
Original Medicare is a federal health insurance program made up of Part A and Part B.
If you already receive Social Security you’ll be automatically enrolled in Medicare Part A and Part B
If you need to enroll, you can choose one of these three easy steps:
1
Call Social Security Administration for an appointment at 1-800-772-1213 between 7 a.m. and 7 p.m. Monday through Friday. TTY users call 1-800-325-0778
2
Apply online at the official website: www.ssa.gov/medicareonly
3
Visit your local Social Security office in person
You Have Seven Months to Enroll in Medicare
You have an Initial Enrollment Period around your 65th birthday. It lasts for 7 months, starting 3 months before you turn 65, and ending 3 months after the month you turn 65
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Medicare Parts Explained
Part A
Hospital Insurance
Part of the Original Medicare, Part A covers hospital visits, skilled nursing care, home health care, and hospice care. For most, Medicare Part A comes at no additional cost.
Part B
Medical Insurance
The second half of Original Medicare, Part B, covers doctor visits, preventive services, diagnostic testing, and durable medical equipment (DME).
Part C
Medicare Advantage Plan
Simplify your Medicare coverage. A Medicare Advantage plan combines hospital, and medical. Additionally, it may provide prescription drug coverage. These compact plans may also include other benefits not offered through original Medicare.
Part D
Prescription Drug Plan
Medicare Part D provides coverage for prescription medications. Like Medicare Part C, Medicare Part D is sold by private insurance companies.
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But Wait, There's One More Option
Medicare Supplement Plan
Need more predictable out-of-pocket costs? I can enroll you in a Medicare supplement plan that can help fill the gaps in your Medicare Part A and B coverage, so there are fewer surprise expenses.
Complete Coverage
~ OR ~
Complete Coverage
Saving money may seem tempting on a budget. However, selecting the lowest Medicare premiums may end up costing you more when it comes to deductibles, out-of-pocket costs, and uncovered medical services.
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Give me a call to start comparing your Medicare options today!
Book an Appointment
I work with nationally recognized insurance companies to give you the quality, affordable insurance you’re looking for. I promise never to spam you or sell your information. Best of all, my assistance is at no cost to you. Call today at (305) 676-4446 or email and let's find the right insurance for you.