If you are going on Medicare soon I’m sure you have been overwhelmed with information about Medicare Health Plans. Understanding Medicare is not an easy task. The decisions you need to make when you go on Medicare are very important and choosing the wrong Medicare Health Plan could end up costing you a lot of money for Medicare-approved services and may limit your ability to see the doctors and hospitals you want to go to.

Need Help?

I can see why most people are confused about Medicare and the choices they need to make. Your health care is very important and quality health care begins with making wise choices when you go on Medicare. I can save you a lot of time, money and frustration by guiding you through the choices you have when it comes to choosing a Medicare Supplement. I would welcome the opportunity to work with you to take the stress and confusion out of selecting a Medicare Supplement. Don’t hesitate to call or me with any questions you have about Medicare and get expert advice at no cost or obligation.

Medicare Supplement Vs. Medicare Advantage

Medicare Supplements

  • Choose your doctors and hospitals
  • You can see specialists without referrals
  • Low out-of-pocket cost for doctor and hospital services
  • Benefits are guaranteed never to change

Advantage Plans

  • Network of doctors and hospitals
  • Referral to see a specialist with some plans
  • Out-of-pocket cost could reach $6,700/calendar year
  • Premiums, deductibles and co-pays can change yearly

Do I Have to Enroll in Medicare When I Turn 65?

If you are still employed and on a group medical plan you probably won’t need to enroll in Medicare if your employer has 20 or more employees. Your group medical plan will be considered your primary insurance not Medicare. You can enroll in Part A of Medicare because it is free, but Part B of Medicare will cost $134 per month or more depending on your income. When you are ready to retire you will be able to sign up for Part B without having to pay a late enrollment penalty because Medicare considers your group medical plan “creditable coverage”.  Check with your employer before making your final decision on whether to enroll in Part B of Medicare.