New to Medicare
Get started with Medicare
When you are turning 65 and preparing to begin your journey into Medicare it is vital that you get accurate information upfront, otherwise, this could limit your future and cost you both money, and health down the line. Below are a few things you need to know about Medicare.
About Us
Medicare Supplement Open Enrollment
Most people get one chance at their Open Enrollment, however, some will get a second chance.
- Open Enrollment starts the month your Medicare Part B starts and continues for 6 months.
- Many carriers allow you to lock in your Medigap Rate 6 months prior to your Part B start date.
- Some states and carriers allow only 3 months.
- During open enrollment, you can enroll into any plan that is available to you with any carrier without health questions and the need to medically qualify.
- You can change as often as you want during this period without having to qualify medically.
Our Services
What's the right coverage for your needs?
Medicare Advantage
Medicare Advantage, also known as Medicare Part C, Is a an all-in-one plan that is another way to get your Medicare Benefits. They usually include drug coverage and additional benefits not covered by Original Medicare.
Medicare Supplement
Medicare Supplements, otherwise known as Medigap, are plans that pay for the portions of that you would normally pay.
Prescription Drug Plans
Prescription Drug Plans, sometimes referred to as Part D plans, cover your prescription drugs. If you take a Medicare Advantage plan, in many cases will include drug coverage. If you take a Medigap, or stay on only Original Medicare; it is recommended that you take a Part D Plan to avoid future penalties.
I Need Help Deciding
You are not alone, there are many beneficiaries out there that feel the same way, Start here to get a good idea of how Medicare and your options work.
Medicare Consultation
You can talk or live chat with a real person, 24 hours a day, 7 days a week.(except some federal holidays.)
Simply reserve a time slot online. Call us or Compare on your own!
5 Things To Know
before start you should know
Many people get Original Medicare automatically when others must sign up. You may need to sign up If you are 65(Or turning 65) and not drawing social security yet.
You can’t just wake up one day and decide. “Hey, I think I will start Medicare today.” There are only certain times a year you can sign up. The most common is 3 months before, the month of, and up to 3 months after you turn 65 There are a few other times you can start your Medicare however this is the most common.
The short answer is Yes, however it is not that simple. If you have coverage that is considered at least as good as Medicare’s coverage a penalty will not apply.
When starting Medicare you have 3 basic options.
1. Stay on Original Medicare with a Medicare Prescription Drug Plan
2. Opt for Medicare Part C, Medicare Advantage to handle your health coverage instead of Medicare
3. Stay with Original Medicare, Pick up a Medicare Supplement to fill the gaps, and a Medicare Prescription Drug Plan.
Depending on your Income levels you could qualify for help paying for your Part B Premium, and/or Prescription costs and premiums.
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