DISCLAIMER: INFORMATION IS PROVIDED BY MEDICARE.GOV AND UNITED HEALTH CARE, WE DO NOT OFFER MEDICARE, WE ONLY OFFER MEDICARE SUPPLEMENT AND ADVANTAGE PLANS
Important information regarding medicare is as follows : Original Medicare pays for some, BUT NOT ALL, health care services according to medicare.gov. Generally speaking, Original Medicare pays 80% of your health benefits, leaving 20% of the costs left to the beneficiary. For this reason, it is important to know what your options are and we are here to help.
Who qualifies for medicare and am I eligible?
You qualify for Original Medicare if you are at least 65 years old, or you’re under 65 and qualify due to a disability or other special situation.
You are a U.S. citizen or legal resident who has lived in the U.S. for at least 5 consecutive years.
Special Enrollment Period Qualifications
Retired and lost your employer coverage
Move out of the plans service area
Receive assistance from the state
Have been diagnosed with certain qualifying disabilities or chronic health conditions
Qualify for Extra Help
Know which plans you will need to fit your healthcare needs as Parts A & B, for example do not cover prescription drug coverage and other additional benefits.
Know when your initial enrollment period (IEP) begins: it is 7 months long, 3 months before and 3 months after your birthday. The birthday month is included in the 7 months.
Annual enrollment period (AEP) begins each year from October 15 to December 7.
Why choose Medicare Advantage or supplement plans?
Open enrollment period begins January 1 – March 31
—Part A: Covers hospital stays
—Part B: Covers doctor and outpatient visits
Options to cover any gaps in coverage while also offering additional benefits:
Option 1: Medicare Supplement Plan – covers some out-of-pocket costs not paid by Original medicare, and you may add a Stand-alone Prescription Drug Plan
Option 2: Medicare Advantage – Part C — combines Part A&B and most include a drug plan
Enrolled in Part A and B
Live in the plans Service Area
Do not have end-stage renal disease
Are there medicare advantage plans for those with special needs? Yes, for specific groups!
Dual-eligible plans for those with both Medicare and Medicaid
Chronic Condition plans for those with certain ongoing medical conditions
Institutional plans for those living in a nursing home.