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Medicare in a Nutshell

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Medicare in a nutshell

Medicare in a nutshell, it is a federal health insurance program that gives you access to specific coverage and benefits. Medicare is different from health insurance you may have had before. It offers you a variety of coverage options — and it has key enrollment dates and guidelines you need to follow. We’re here to help you make sense of it all.

1) Open Enrollment Dates

The annual election period for Medicare products is fast approaching:

Annual election period (October 15 – December 7)

Medicare Advantage Open Enrollment Period (January 1 – March 31)

Special Enrollment Periods are available when special circumstances arise.

Just a reminder; Open enrollment applies to Medicare Advantage & Prescription Drug Plans.

Medicare Supplements are secondary to Medicare and can be applied for at any time.

2) Confusion about when a current Medicare Enrollee can make plan changes

Medicare eligible consumers have many carriers, plans and plan types to choose from. It may seem overwhelming. Using an experienced, licensed agent can assist consumers to understand their options so they can elect the carrier, plan and plan type that would offer the most benefits. [Read more…]

Medicare Choices Explained

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Medicare choices include part A provides coverage for inpatient care and Part B for outpatient services.

MEDICARE options Medicare Choices available to Beneficiaries

 Medicare Part A which covers inpatient treatment for Medicare Beneficiaries and Medicare Part B which provides for outpatient services are both available to seniors and some people on disability under age 65 and is referred to as original Medicare.  You can also get attorneys for disability claims from here. However, original Medicare by itself can leave the senior with significant out of pocket expense. You can check out SSDI claim denial attorney here for disability cases.

“As an Independent Insurance Broker in Arizona” states Ralph Bredahl with Arizona Medicare Advisors, “I find a lot of confusion among seniors on what is available to them to help with medical costs. I trust this list will help to answer some of the questions that I hear” [Read more…]

10 Things to Know Medicare Open Enrollment

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10 Medicare Open Enrollment Facts

medicare open enrollment    Navigating the Medicare maze is confusing enough, but the added pressure of the looming open enrollment deadline can be overwhelming. Here are 10 things seniors should know.

  1. Open enrollment runs every year from October 15 to Dec 7.

This window is the time that seniors can sign up for Medicare Advantage (Part C) or Medicare Prescription Drug Coverage (Part D) or they can make changes to an existing plan, move to a new one or change drug coverage benefits.

  1. There are two options when you go on Medicare.

[Read more…]

How Medicare Advantage Plans Work

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Medicare Advantage Plans are also called Medicare Part C.

What is Medicare Advantage
Medicare Advantage

Medicare Advantage plans are offered by private insurers. They provide all Part A and Part B coverage and usually offer extra benefits as well. In many cases, the premiums, co-pays, and deductibles can be lower than they are in a Medigap policy.

When you join a Medicare Advantage Plan, you are still in Medicare, however the insurance company coordinates with Medicare for you. You deal with the insurance provider directly. Like Medigap, these plans offer extra benefits that fill in the gaps of Medicare. In addition, most MAs include Part D prescription drug coverage.  [Read more…]

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