Alabama Medicare Plans

My Mission Is To Be Your Trusted Medicare Supplement Insurance Agent

Making Sense of Medicare

Do You Find Medicare Confusing?

I can help you make sense out of Medicare by listening to you, answering your questions, and going over your options. I will provide you with honest advice for the crucial decisions you need to make before selecting an Alabama Medicare Supplement Plan.

A​

If you are currently receiving Social Security Benefits you will be automatically enrolled in both Medicare Part A and Part B.

B

If you are not receiving Social Security Benefits you need to request your Medicare by either going to your Social security office to enroll or you can apply online at ssa.gov.

Making Sense of Medicare

If you find Medicare confusing, you are not alone. Quality healthcare begins with making smart choices when you go on Medicare. I can save you a lot of time and money by guiding you through the choices and options you have when it comes to choosing a Medicare Supplement plan. Since I am an independent agent, I’m not tied to one company. I can shop for you among national companies that are leaders in their field and have an A+ financial rating.

I can talk to you in person or over the phone, whatever is best for you. I will answer your questions and go over your options to find the Medicare Supplement plan that best fits your needs and budget. I think it is imperative to select a Medicare health plan that will let you go to any doctor or hospital of your choice. The choice of who you get your medical care from should be up to you, not an insurance company. It is essential to choose a Medicare Supplement that will give you the peace of mind of not having to worry about the cost of your medical care when you are facing a severe or life-threatening illness. Don’t hesitate to call me with any questions you have about Medicare and get expert advice and free quotes at no cost or obligation.

Medicare Supplement Vs. Medicare Advantage

Medicare Supplements

  • Receive your health care coverage from Medicare, not an insurance company.
  • Choose the doctors and hospitals you want to see and your coverage goes with you when you travel anywhere in the United States.
  • Low, predictable cost for doctor and hospital services.
  • The benefits in Medicare Supplement plans are guaranteed never to change.

Advantage Plans

  • Receive your health care coverage from an insurance company, not Medicare.
  • You need to go to the doctors and hospitals that are in the insurance company’s network (HMO or PPO).
  • Your out-of-pocket cost for Medicare-approved services could reach as much as $6,700 in a calendar year.
  • The hospitals and doctors in the network can change, and your out-of-pocket cost can vary each year.

Should I Enroll in Medicare if I'm Still Working?

Employer Has 20 or More Employees: If you have group health insurance from an employer for which you or your spouse work after you turn 65, you can delay enrolling in Medicare until the employment ends. You will not incur any late penalties if you enroll later. Medicare considers your employer insurance, “creditable coverage,” as good or better than Medicare. When your employer coverage ends, you will have a special enrollment period of up to eight months to sign up for Medicare. The eight-month period begins with the month after your group health plan coverage ends, or your employment ends, whichever comes first.

I would recommend you sign up for Medicare Part A (it’s free) but not Part B. If you are covered under an employer group health plan and decide to enroll in Medicare Part B, the employer plan is considered primary, not Medicare. The employer plan pays first, and Medicare only pays for medical services that it covers if the employer plan does not. Unless the employer coverage is poor, you would be paying monthly premiums to Medicare with little or no return. The Medicare Part B premium cost $144.60 per month, but you could pay more depending on your income. You should enroll in Medicare if your employer coverage comes from retiree benefits or COBRA. Medicare does not count these as active employment.

Employer Has Fewer Than 20 Employees: the employer can require you to enroll in Medicare (both A & B). In this situation, Medicare is the primary insurance, not your employer’s insurance. You will need to get a Medicare Supplement to fill in the gaps Medicare does not cover. My advice is to talk with your employer if he has fewer than 20 employees to determine if you need to sign up for Medicare.

Why Us

KW Centreville, AL
“Just recently applied for medicare. Steve gave great service with my supplement and pharmacy p...
JC Duda, Montevallo
“Steve puts the customer first.  My wife and I highly recommend him.” 
SSG, Vestavia, AL
“Going into my meeting with Steve, I knew little to nothing about how to sign up for Medicare. ...
J. Brannon., MountainBrook, AL
“Prompt Prepared Professional presentation delivered in a friendly painless way. Steve made my ...
L. Stockton., Birmingham, AL
“I highly recommend Steve. He is very knowledgeable and took the time to explain all of our opt...

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