Medicare Plans - Health Insurance Broker, Serving Medicare Beneficiaries in the Eugene, OR Area. Garner's Insurance specializes in Medicare health insurance products. We know that transitioning into Medicare can bring many changes and questions. That is why we are here to make the entire process as simple as possible-providing you with the knowledge you need to make an informed decision on what plan is right for you.
You may be new to Medicare and confused by all your options, or already a Medicare beneficiary, and not sure when you should have your health and drug coverage reviewed. Either way, we are here to help answer your questions, and offer free consultations to our clients. We strive to maintain warm and friendly relationships while focusing on your individual needs.
By working with a licensed independent health insurance agent in the state of Oregon, you will get information on multiple Medicare carriers, not just one specific carrier, with no bias to sell one particular plan or company.
You may be new to Medicare and confused by all your options, or already a Medicare beneficiary, and not sure when you should have your health and drug coverage reviewed. Either way, we are here to help answer your questions, and offer free consultations to our clients. We strive to maintain warm and friendly relationships while focusing on your individual needs.
By working with a licensed independent health insurance agent in the state of Oregon, you will get information on multiple Medicare carriers, not just one specific carrier, with no bias to sell one particular plan or company.
Services
You will automatically be enrolled if you are receiving social security benefits.
This will occur after you are 64 years and 9 months of age, or otherwise become Medicare eligible.
If you are not receiving social security benefits, you will need to contact your local social security office to enroll.
Generally, if you or your spouse have made payroll contributions to social security for at least 10 years (40 quarters) there is no monthly premium.
You are responsible for the Part A deductible for each benefit period of $1484 (2021).
This will occur after you are 64 years and 9 months of age, or otherwise become Medicare eligible.
If you are not receiving social security benefits, you will need to contact your local social security office to enroll.
Generally, if you or your spouse have made payroll contributions to social security for at least 10 years (40 quarters) there is no monthly premium.
You are responsible for the Part A deductible for each benefit period of $1484 (2021).
If you are overwhelmed by all the information that you have been inundated with now that you are or will be Medicare eligible, don't worry, you are not alone.
There are many resources to help educate you on your Medicare options, including the Medicare & You book, however, we are here to help you.
Call us today, so we can help answer your questions.
Original Medicare is provided by the federal government and consists of Part A (hospital stays) & Part B (doctor and outpatient visits).
Original Medicare pays for some of your expenses, but not all.
There are many resources to help educate you on your Medicare options, including the Medicare & You book, however, we are here to help you.
Call us today, so we can help answer your questions.
Original Medicare is provided by the federal government and consists of Part A (hospital stays) & Part B (doctor and outpatient visits).
Original Medicare pays for some of your expenses, but not all.
There are many different types of Medicare Advantage plans, however, most include additional benefits that are not included in Original Medicare, such as prescription drug coverage.
For example, a plan could have a $5000 safety net, which means that is the maximum you will pay out of pocket for your hospital and medical services for that plan year.
Most plans have service areas, where you are limited to a geographic boundary where you can seek medical services.
They do include nationwide coverage for an emergency room, urgent care, and renal dialysis.
For example, a plan could have a $5000 safety net, which means that is the maximum you will pay out of pocket for your hospital and medical services for that plan year.
Most plans have service areas, where you are limited to a geographic boundary where you can seek medical services.
They do include nationwide coverage for an emergency room, urgent care, and renal dialysis.
Medicare Supplements, or sometimes referred to as Medigap plans, help fill the "gaps" in Original Medicare.
These plans are offered through private companies and help pay for out-of-pocket expenses not covered by Original Medicare such as deductibles, co-pays, and co-insurance.
Medigap plans do not have networks, therefore you can go to any doctor or hospital as long as they accept Medicare patients.
You do not need a referral to see a specialist, and there are no network restrictions - coverage follows you in the United States.
These plans are offered through private companies and help pay for out-of-pocket expenses not covered by Original Medicare such as deductibles, co-pays, and co-insurance.
Medigap plans do not have networks, therefore you can go to any doctor or hospital as long as they accept Medicare patients.
You do not need a referral to see a specialist, and there are no network restrictions - coverage follows you in the United States.
Medicare Prescription Plans (Part D) are offered by private insurance companies and help you pay for your prescription drugs.
Each plan differs by cost (monthly premium, deductibles, and co-pays) and the list of drugs (formularies) that they cover.
It is important to compare plans and select a plan that includes a formulary that has all of your drugs listed.
This is when consulting with an agent could be beneficial.
They can help you select a plan that compares premiums, and verifies that your drugs are listed on the plan's formulary.
Each plan differs by cost (monthly premium, deductibles, and co-pays) and the list of drugs (formularies) that they cover.
It is important to compare plans and select a plan that includes a formulary that has all of your drugs listed.
This is when consulting with an agent could be beneficial.
They can help you select a plan that compares premiums, and verifies that your drugs are listed on the plan's formulary.
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