Make Your Medicare Decisions with Confidence

If you’re nearing retirement or your 65th birthday, you will soon be eligible for Medicare. Medicare has different parts and ways to get your benefits. The parts and plan options can be confusing, which is where we come in.

But first, you will need to decide this: am I going to retire? Or am I going to continue to work? You want to answer these questions to decide your Medicare path.

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Medicare 101

Medicare is federal health insurance for:

  • People age 65+
  • Under 65 with certain disabilities
  • Those with End-State Renal Disease (ESRD) – kidney failure

Pay attention in the months leading up to your 65th birthday. Your Initial Enrollment Period begins 3 months before, includes the month of, and ends 3 months after the month you turn 65. This enrollment period is your chance to sign up if you are not automatically enrolled. 

Parts of Medicare

Before you enroll, it’s important to understand the parts of Medicare and what they cost and cover.

Most people get Medicare Part A (hospital insurance) premium-free. Part A covers inpatient treatment in hospitals and skilled nursing facilities. It also may cover hospice care and provide coverage for long-term care for a limited number of days. Depending on your circumstances, Part A may also help pay for home health care.

Part B is your doctors coverage (aka medical insurance). But there is no need to activate Part B unless you’re retired. 

There is a standard monthly premium for Medicare Part B, which covers “medically necessary” and preventative health services, such as

  • Clinical research
  • Ambulance services
  • Durable medical equipment
  • Some mental health services

Part A and Part B make up what is called Original Medicare or the basic Medicare plan.

Part C is Medicare Advantage, a private version of Medicare. Through Part C, you will have your same hospital and medical insurance, and many plans include prescription drug coverage as well. Depending on your county, there may be Advantage plans that offer benefits for dental, vision, and hearing care, among other perks!

Part D of Medicare provides coverage for prescription drugs that you you self-administer. Each Part D plan will have a list of the prescriptions it covers, which is known as a formulary. Talk with us about getting a stand-alone Part D plan or if a Medicare Advantage plan with built-in prescription coverage is a better fit.

Then, there are Medicare Supplement (Medigap) plans. This is an additional coverage option that you can add to your Original Medicare to cover some or all of the remaining out-of-pocket costs: copayments, coinsurance, and deductibles when you visit the doctor. The plans are identified by letters A through N, so you have choices.

Get Medicare Help Now

Medicare is your health insurance option if you’re retiring. If you are almost 65, we want to help you understand your options so you can enjoy your golden years with your closest friends and family. Call or fill out our form to request your FREE consultation today.

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