Tom Rogala of Rogala Benefits is a completely independent insurance agent specializing in Health Insurance and Medicare Solutions. He works with the top insurance companies so he can offer his clients the best coverage for them. Tom's clients are located all across the United States, giving him a great feel for the insurance landscape. He designs plans with a focus on low costs, and tax-efficiency, which he combines with personalized insurance advice aimed at helping clients make better-informed decisions.
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Before choosing a plan we want to be sure you know the difference between your many options; In particular how Medicare Supplements and Medicare Advantage Plans differ.
Many people sign up for Advantage Plans thinking they are Supplements, they are not.
A Medicare Supplement is used with original Medicare.
Any caregiver that accepts Medicare will take a Supplement because they only need to bill Medicare.
Medicare pays their part (generally 80% of Medicare covered benefits) and sends the remainder of the bill to the Supplement which pays their part (generally 20%).
Many people sign up for Advantage Plans thinking they are Supplements, they are not.
A Medicare Supplement is used with original Medicare.
Any caregiver that accepts Medicare will take a Supplement because they only need to bill Medicare.
Medicare pays their part (generally 80% of Medicare covered benefits) and sends the remainder of the bill to the Supplement which pays their part (generally 20%).
Many people are confused about the steps to take towards getting Medicare when they become medicare eligible.
You are either eligible due to a disability or due to age.
Depending your your circumstances will depend on when and how you get Medicare.
Most people will age into Medicare and will automatically be enrolled in both parts of Medicare.
If you are near Medicare eligibility due to age and have not received any information then maybe it's time to to contact Social Security Administration but before you do first consider these things.
You are either eligible due to a disability or due to age.
Depending your your circumstances will depend on when and how you get Medicare.
Most people will age into Medicare and will automatically be enrolled in both parts of Medicare.
If you are near Medicare eligibility due to age and have not received any information then maybe it's time to to contact Social Security Administration but before you do first consider these things.
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