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Your Medicare Options

Let us help you find the right Medicare plan tailored to your needs.

Medicare Made Simple

Signing up for Medicare may look hard, but it’s actually easy. If you’re almost 65, you can start applying 3 months before your 65th birthday. It’s good to start early so you have your Medicare card when you need it.

When you first get Medicare, you can sign up for both Part A and Part B. This is also the time to think about Part D for prescription drugs, which isn’t covered by regular Medicare.

Parts Of Medicare

Understand the key parts of Medicare, what they cover, and how they benefit you.

Medicare

Part A

Medicare Part A covers your hospital stays, offering cost-effective inpatient care. But what exactly does inpatient mean?

We explain to our clients that it's like having "room and board" in a hospital. This means it includes a semi-private room with a bed for you and all your meals during your stay. It also covers medications provided by the hospital, along with any required lab services or medical supplies.

Medicare

Part B

Medicare Part B covers a range of outpatient medical services, including preventive care like flu shots and screenings, doctor's visits, lab tests, ambulance, and more. It also covers certain hospital services like surgeries, chemotherapy, and medical equipment.

While Part B is optional, it's essential if Medicare is your primary insurance and is required for Medigap supplemental coverage.

Medicare

Part C

Medicare Part C, known as Medicare Advantage (MA), is an alternative to traditional Medicare offered by private companies. These plans combine Part A, Part B, and usually Part D into one.

Similar to group insurance from past jobs, MA plans often have a local network of providers and involve copays for services like doctor visits and hospital stays. While optional, these plans are a choice for those seeking a bundled Medicare option.

Medicare

Part D

Medicare Part D is a federal program offering affordable copays for prescription drugs that you pick up from retail pharmacies. It's a voluntary option that helps make medications more affordable and provides protection against extremely high drug costs.

Enrollment in Medicare Part D isn't through Social Security. Instead, you select a plan from a private insurance company available in your state. While Part B is optional, it's essential if Medicare is your primary insurance and is required for Medigap supplemental coverage.

Who is eligible for Medicare?

Who is qualified to receive Medicare, and at what point does one become eligible? Generally, Medicare eligibility starts at 65 years of age. Additionally, individuals who have received Social Security disability benefits for a minimum of 24 months are also eligible.

Medicare does not have a designated retirement age. The standard age for Medicare eligibility is 65, regardless of whether an individual has retired. Eligibility for Medicare at 65 or older is granted to U.S. citizens or permanent residents who have continuously lived in the U.S. for at least five years. Additionally, individuals under 65 can qualify for Medicare in the following situations:

-If they are permanently disabled and have been receiving Social Security disability benefits for 24 months.

-If they suffer from end-stage renal disease, necessitating dialysis or a kidney transplant.

-If they have Amyotrophic Lateral Sclerosis (ALS), also known as Lou Gehrig’s disease.

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