Overwhelmed

If you are going on Medicare soon, I’m sure you have been overwhelmed with information about Medicare health plans offered in Alabama. Insurance companies are bombarding your mailbox daily with information about their policies, and 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. Most people spend their entire working career employed at a company that selects their 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. If you choose the wrong Medicare health plan, it could end up costing you thousands of dollars for Medicare-approved services and 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 can help you make sense of Medicare. Quality healthcare begins with making wise decisions when you enroll in Medicare.  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. 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. 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. Don’t hesitate to call or me with any questions you have about your Medicare benefits and get 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 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 still employed, and on your employer’s group medical plan you may not need to enroll in Medicare particularly if your employer has 20 or more employees. If your employer has fewer than 20 employees, you may have to enroll in Medicare. After turning 65 if you want to stay on your employer’s group health plan your company’s health plan is considered your primary insurance, not Medicare. My advice is to go ahead and sign up for Part A of Medicare because it’s free, but not Part B because it will cost $135.50 per month or more depending on your income. You will not need Part B until you retire and come off of your employer’s health plan. You will be able to sign up for Part B without having to pay a late enrollment penalty because Medicare considers your employer group medical plan to be “creditable coverage” just as good as the coverage offered by Medicare.  Check with your employer before making your final decision on whether to enroll in Part B of Medicare.