Confused

If you are going on Medicare soon, I’m sure you have been overwhelmed with information about Medicare health plans offered in Alabama. Understanding Medicare is not an easy task, and the decisions you need to make when you go on Medicare are crucial. Choosing the wrong Medicare health plan could end up costing you thousands of dollars for Medicare-approved services and may limit your ability to see the doctors and hospitals you want to go to.

Need Help?

Are you confused about Medicare and the choices you need to make, believe me, you are not alone. How you receive your health care is very important, and quality healthcare begins with making wise choices when you go on Medicare. My goal when working with you is to see that you can go to the doctors and hospitals of your choice and not have to worry about what the bills will be when you need medical care. I can save you a lot of time and money by guiding you through all 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 the best Medicare Supplement Plan. I only work with companies that have an A+ financial rating and offer competitive rates for the Medicare Supplements they offer in Alabama. Don’t hesitate to call or me with any questions you have about Medicare and get free quotes and expert advice 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 your doctors and hospitals
  • Low predictable cost for doctor and hospital services
  • Benefits are guaranteed never to change

Advantage Plans

  • Receive your health care coverage from an insurance company, not Medicare
  • Must use network doctors and hospitals
  • Your out-of-pocket cost could reach $6,700 in a calendar year
  • Networks, 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 sign up for Part A of Medicare because it’s free, but Part B of Medicare in 2019 will cost $135.50 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.