My Mission Is To Be Your Trusted Medicare Supplement Insurance Agent
If you are currently receiving Social Security Benefits before your turn 65, you will be automatically enrolled in Medicare.
If you are not receiving Social Security Benefits when you turn 65, you need to request your Medicare by either going to your local Social Security office or you can apply online at ssa.gov.
If you find Medicare confusing, you are not alone. I can help you make sense of Medicare. Because of my experience and knowledge in the Medicare field, I can guide you through the choices and options you have when choosing a Medicare health plan. As an independent agent, I don’t work for an insurance company; I work for you so you can make an informed decision about your healthcare. Since I’m not tied to one company, I can shop for you among nationally recognized companies with an A+ financial rating. Best of all, my help is at no cost or obligation to you.
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 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. I can help you choose a health plan that will give you the peace of mind of not worrying about medical bills when facing a serious illness. Don’t hesitate to call me with questions you have about Medicare. Call me today at 205-290-8648, and let me make the process of selecting a Medicare health plan easy and uncomplicated.
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 the insurance you have through your employer as”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 costs $148.50 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 and a prescription drug plan 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.