Medicare of Fresno

Are you enrolled in Medicare or Medi-Cal? 🤔 Are you confident you're receiving ALL the "FREE" benefits, products, and services you're entitled to? If you have any doubts, I can quickly check for you!

🚀 Don’t miss out on what you deserve! ⏳ Time is ticking—reach out to me at 📧 [email protected] or call 📞 (559) 431-2193 now!

Send a message to learn more

Turning 65 soon? Find the perfect Medicare plan in minutes, not days.

Turning 65 in the next few months? Guess what? You're in your INITIAL Enrollment Period ~ If you miss your window, you COULD pay a penalty for life! Have questions?

Remember, you become Medicare eligible at age 64.5 Have questions?

If you're turning 65 in March or April and have questions on your Medicare options ~ Call my ofc (559) 431-2193, DM me or [email protected] Thank you!

Check this item off your New Year's resolution list today: To get organized in 2024!!

Open Enrollment Period (OEP) started Jan 1st ~ NOW is the time to evaluate other MA plans (with OR without drug coverage)
OR

Disenroll from the MA plan (Medicare Advantage) and RETURN to Original Medicare
OR

Enroll into a standalone PDP (Prescription Drug Plan)

Rules & reg's apply, so lets talk.

Check one item off your New Year's resolution list today: To get organized in 2024!!

Open Enrollment Period (OEP) started Jan 1st ~ NOW is the time to evaluate other MA plans (with OR without drug coverage)
OR

Disenroll from the MA plan (Medicare Advantage) and RETURN to Original Medicare
OR
Enroll into a standalone PDP (Prescription Drug Plan)

Rules & reg's apply, so lets talk.

Plan F fully covers both your Part A hospital deductible and your Part B outpatient deductible.

Plan G covers each of the gaps in Medicare except for the annual Part B deductible.

Plan N is similar to Plan G, but you agree to pay copays and coinsurance as well as excess charges.

To learn how insurance works, let’s start with a few definitions according to Medicare.⁣
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☑️ Payer: Your health insurance coverage – for example, Medicare or an employer plan⁣
☑️ Primary payer: The health insurance that pays first, up to its limits⁣
☑️ Secondary payer: The secondary health insurance pays then pays what the primary payer doesn’t cover, up to the secondary payer’s limits. The secondary payer might not cover all costs that the primary payer didn’t cover.⁣
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If you have Medicare and other health insurance (like a group health plan, retiree coverage, or Medicaid), each type of coverage is called a "payer." When there's more than one payer, "coordination of benefits" rules decide who pays first. The "primary payer" pays what it owes on your bills first, and then sends the rest to the "secondary payer" (supplemental payer) to pay. In some rare cases, there may also be a third payer.⁣

Let's break down the myths and misconceptions around insurance and discover how it can be your greatest asset.

Many people ask about how to file a Medicare claim. If you have Original Medicare, you usually don't have to worry about submitting a claim because doctors are required to file claims for covered services and supplies. However, if you are unsure whether you need to submit a claim, you can check your Medicare account or receive a Medicare Summary Notice (MSN) every three months via mail. If you notice a claim that has yet to be submitted, you should contact your doctor and ask them to submit it before the 12-month time limit. Suppose the time limit is approaching, and your doctor still needs to submit the claim. In that case, you can fill out a Patient Request for Medicare Payment form (CMS-1490S) and submit it along with the itemized bill, a detailed explanation of why the claim is being submitted, and any supporting documents. If you need any help or have any questions, please feel free to contact us.

I specialize in offering tailored solutions for your unique needs. Let's discuss how I can protect what you hold dear.

Medicare Advantage, also known as Medicare Part C, is a type of health insurance plan offered by private insurance companies approved by Medicare. These plans combine the benefits of Medicare Part A (hospital insurance) and Part B (medical insurance) into one comprehensive plan. Many Medicare Advantage plans also include prescription drug coverage, known as Medicare Part D.

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Medicare Advantage plans work as an alternative to Original Medicare (Medicare Part A and Part B). They are designed to provide you with all the benefits of Original Medicare while often offering additional services and coverage, such as vision, dental, and wellness programs. These plans may have a network of healthcare providers that you must use to receive full coverage, but some plans also offer out-of-network coverage.

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Medicare Advantage plans can be an attractive option for individuals looking for more comprehensive coverage or additional services beyond what Original Medicare provides. However, it's essential to carefully review the specific details, costs, and coverage options of different Medicare Advantage plans to determine which one best suits your healthcare needs and preferences.

Gratitude fills our hearts as we gather with loved ones and give thanks for the blessings in our lives. 🍂🦃

The answer is Yes! You can join a Medicare Advantage plan even if you have pre-existing conditions. Insurance companies that offer these plans cannot turn you down or charge you more based on your health status. Just keep in mind that you can only sign up during the Initial Enrollment Period or the yearly Open Enrollment.

Insurance acts as a shield, safeguarding what you cherish—be it your family's well-being, your dreams, or your aspirations. Let's shield what matters most together.

Here's a quick list of some plan changes you can make during the annual enrollment period:
⚫ Change to a Medicare Advantage plan from original Medicare, parts A and B.
⚫ Change from a Medicare Advantage plan or Medicare supplement back to original Medicare, parts A and B only.
⚫ Change from one Medicare Advantage plan to another. enroll in a part-D prescription drug plan.
⚫ Change from one Medicare prescription drug plan to another. any changes you make during the AEP will go into effect on Jan. 1 of the next year.

If you're wondering when or how you can qualify for Medicare, here are some ways that might help:

1. Age: Most folks can start qualifying when they turn 65 and have a special enrollment period.

2. Disability: If you've been on Social Security Disability Insurance for 24 months or more, you may be eligible.

3. End-Stage Renal Disease: If you have permanent kidney failure, you can qualify for Medicare regardless of age.

4. Work History: If you've paid Medicare taxes for at least 10 years, you may be exempt from some premiums.

5. Citizenship and Residency: If you've been a U.S. citizen or legal resident for at least 5 years, you're eligible. It's good to know that Medicare has different parts, like Part A (hospital), Part B (doctors), Part C (optional Advantage), and Part D (prescriptions). If you need more details, don't hesitate to ask one of our team members. We're here to help!

Life can be unpredictable, but having a plan in place can make all the difference. It's never too early to start thinking about your safety and financial security.

Honoring the brave men and women who've served our nation with courage and dedication. 🎖️

1 Understand Medicare Basics First People get confused when jumping right into figuring out Medigap plans, and Medicare Advantage plans before they even understand how their Original Medicare Part A and B benefits work.

2 Understand Costs for Each Part of Medicare You'll need to know what you can expect to pay for the different parts of Medicare, including monthly premiums, deductibles, coinsurance, and copayments.

3 Understand What's Covered and What's Not Medicare covers most of your healthcare costs for certain preventative services and medically necessary services. However, there are some things Medicare does not cover.

4 Understand Your Supplemental Coverage Options There are two main options when it comes to Medicare coverage. You can choose to enroll in a Medigap and a Part D plan or you can sign up for an Advantage plan. See which one is the right fit for you and your needs.