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Medicare PPO Plans: You do not need to choose a primary care physician with PPO plans, but in some cases, you may need to obtain referrals, depending on the situation.

Fast Fact: Those with a Part D or Medicare Advantage plan receive an Annual Notice of Change letter (ANOC) every September.

The Medicare Annual Election Period runs from October 15 to December 7 and offers beneficiaries the chance to make changes to their Medicare Advantage or Part D plans.

Medicare 101: When you make changes during the Annual Election Period, your new plan becomes effective on the 1st of the new year.

Advantage plans operate within network areas, some of which can be more strict or lenient, depending on the type of Advantage plan.

“The fool doth think he is wise, but the wise man knows himself to be a fool.” ― William Shakespeare

There are different times to enroll in an Advantage plan throughout the year, including your Initial Enrollment period, the Annual Election period, and more.

Medicare Supplement (Medigap) plans are secondary insurance to Original Medicare, meaning Medicare pays first and your Medigap plan pays second.

Private insurance carriers offer Medigap plans, not the federal government.

When you enroll in an Advantage plan (Medicare Part C), you agree to receive your Medicare benefits through that private plan instead of through Original Medicare.

“Smart people learn from everything and everyone, average people from their experiences, stupid people already have all the answers.” —Socrates

Turning 65 soon? Feeling overwhelmed about your Medicare insurance options? We are here to educate you on your options!

Fast Fact: Medicare provides coverage for a wide range of medically necessary services, preventative services, and more.

What is Medicare anyway, and how does it work? What does it cover? Is Medicare insurance? The answer is complex, but you’ve come to the right place for Medicare information.

A common question around here is how is Medicare different than Medicaid? By definition, Medicare is a health insurance program for the elderly. Medicaid, on the other hand, is financial and/or healthcare assistance for low-income individuals. Some people 65 and older can qualify for both. In that scenario, Medicare is primary and Medicaid is secondary.

Step Therapy is a coverage rule used by some Medicare Prescription Drug Plans that requires you to try one or more similar, lower cost drugs to treat your condition before the plan will cover the prescribed drug.

Feeling overwhelmed about your Medicare insurance options? We are here to educate you on your options!

Did you know that “Hospital indemnity insurance” is a type of plan that pays a set amount – per day, per week, per month, or per visit – if you’re confined in a hospital.

Fast Fact: Whether you qualify for Medicaid coverage depends partly on whether your state has expanded its program. Medicaid benefits, and program names, vary somewhat between states.

The deductible is the amount you must pay for health care or prescriptions before Original Medicare, your Medicare Advantage Plan, your Medicare drug plan, or your other insurance begins to pay.

Every child is an artist. The problem is how to remain an artist once he grows up. –Pablo Picasso

Many seniors will become eligible for Medicare in 2023. Transitioning from employer or private insurance to Medicare can be quite the adjustment. Contact us today for a no cost consultation.

Since ACA plans are not creditable for Medicare, you will want to transition to Medicare at 65. Sign up for Medicare during your 7-month IEP window, and then research which Medigap or Medicare Advantage option best fits your needs.

To prepare for retirement in 2023, learning about Medicare enrollment is a critical step. If you miss your window to apply for Medicare, you could be stuck with a late enrollment penalty.

Medicare 101: On top of knowing when to enroll, you will also want to know the costs you can expect with Medicare and what coverage you will need. Contact us today for a no cost consultation.

Quick Tip: During the AEP, you can switch to Medicare Advantage from Original Medicare. You can also change Medicare Advantage plans if you’re currently enrolled in one. Should you join a Medicare Advantage plan and later want to leave it, you can use the AEP to return to Original Medicare as well.

Is enrolling in Medicare on your horizon? Is your mailbox starting to fill up with confusing information? Let us educate you on your options. Request a no cost consultation today!

What is the Medicare Part B Late Enrollment Penalty? If you failed to sign up for Medicare when you were first eligible, and you didn’t have any creditable coverage, you will be subject to the Medicare Part B late enrollment penalty. This penalty is equal to 10% per year for every year (12 full months) that you waited to enroll.

Medicare Quick Tip: Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.