If you are going on Medicare soon, I’m sure you have been overwhelmed with information about Medicare supplement plans offered in Alabama. Insurance companies and brokers are bombarding your mailbox daily with information about their policies. There is so much information to go through. Understanding Medicare is not an easy task, and the decisions you need to make when you go on Medicare are crucial. When you work for a company, they select your health insurance coverage, and all you need to do is sign up for it when the time comes to enroll. Medicare is different in many ways, and when you hit 65, all the choices and options are up to you. Make smart choices when you go on Medicare, or it could end up costing you thousands of dollars for Medicare-approved services. It also may limit your ability to see the doctors and hospitals of your choice.

Making Sense of Medicare

If you find Medicare confusing, you are not alone. I want to help you make sense out of Medicare. Quality healthcare begins with making smart choices when you first go on Medicare.  I can save you a lot of time and money by guiding you through all the options you have when it comes to choosing a Medicare supplement. Since I am an independent agent, I’m not tied down to just one company so I can shop for you among the companies I represent.  These companies offer competitive rates 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. It is essential to select a Medicare supplement that will let you go to any doctor or hospital of your choice. It’s just as important to choose a supplement where you don’t have to worry about what the bills will be when you need medical care. Don’t hesitate to call or me with any questions you have about your Medicare benefits 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 from an insurance company
  • Choose the doctors and hospitals you want to see and your coverage goes with you when you travel anywhere in the U.S.
  • Small, predictable cost for doctor and hospital services
  • Benefits in Medicare Supplements 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
  • Your out-of-pocket cost for Medicare-approved services could reach as much as $6,700 in a calendar year
  • Hospital and doctor networks can change, and your co-pays can vary each year

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

If you are going to stay on an employer’s group medical plan after you turn 65, you may not need to enroll in Medicare. If your employer has 20 or more employees, you do not have to enroll in Medicare. If your employer has fewer than 20 employees, you may have to enroll in Medicare (Part A & B). If your employer has more than 20 employees go ahead and sign up for Medicare Part A because it’s free. Delay signing up for Part B. The Part B premium is $135.50 per month or more depending on your income. Your employer health plan is considered your primary insurance, not Medicare. You won’t need to sign up for Part B until you come off of your employer health plan. There is no late enrollment penalty if you delay enrolling in Part B. Medicare considers your employer group medical plan to be “creditable coverage.” Check with your employer before making your final decision on whether to enroll in Part B of Medicare.