I help folks just like you wade through the details about Medicare Supplements, Medicare Enrollment Dates and Deadlines, Prescription Drug Plans, and Medicare Advantage Plans. As a certified Medicare Broker here in Arizona, I will guide you step-by-step in the application process so you have a plan specific to your Medicare needs. Michelle was patient, answered all of my questions thoroughly and was very knowledgeable about all of her products.
I highly recommend her services!
I highly recommend her services!
Services
A Medicare broker who contracts with most of the Medicare Advantage plans offered in your area can help you sort through the many choices available.
Brokers are paid by insurance companies and are paid the same rate regardless of which company you choose.
This helps create an unbiased system, so you can be comfortable knowing you are getting a plan that best fits your needs.
I believe that the better educated you are about Medicare insurance, the easier it will be for you to make good decisions about your Medicare health insurance choices.
Brokers are paid by insurance companies and are paid the same rate regardless of which company you choose.
This helps create an unbiased system, so you can be comfortable knowing you are getting a plan that best fits your needs.
I believe that the better educated you are about Medicare insurance, the easier it will be for you to make good decisions about your Medicare health insurance choices.
Medicare is health insurance for people 65 and older, people under 65 with certain disabilities, and people of any age with end-stage renal disease (ESRD).
Medicare Part A covers hospitalization, skilled nursing facility care (SNF), hospice care and home health care.
It does not cover long term care.
Usually you don't pay a premium for Part A coverage.
If you or your spouse worked 10 years, or 40 quarters, you are automatically enrolled in Part A when you turn 65.
If you did not work the full 10 years or 40 quarters, you may be able to buy Part A and pay a premium.
Medicare Part A covers hospitalization, skilled nursing facility care (SNF), hospice care and home health care.
It does not cover long term care.
Usually you don't pay a premium for Part A coverage.
If you or your spouse worked 10 years, or 40 quarters, you are automatically enrolled in Part A when you turn 65.
If you did not work the full 10 years or 40 quarters, you may be able to buy Part A and pay a premium.
You are eligible for Medicare if you or your spouse worked at least 10 years in Medicare-covered employment, you are 65 years old and a citizen or permanent resident of the United States.
Below is an overview of Medicare eligibility.
You can download a comprehensive guide to Medicare here.
You already get retirement benefits from Social Security or the Railroad Retirement Board.
You are eligible to get Social Security or Railroad benefits but have not yet filed for them.
While you don't have to pay a premium for Part A if you meet one of those conditions, you must pay for Part B if you want it.
Below is an overview of Medicare eligibility.
You can download a comprehensive guide to Medicare here.
You already get retirement benefits from Social Security or the Railroad Retirement Board.
You are eligible to get Social Security or Railroad benefits but have not yet filed for them.
While you don't have to pay a premium for Part A if you meet one of those conditions, you must pay for Part B if you want it.
The dates, deadlines, and penalties information below gives you a guide on when you can change your plan.
You can learn more about becoming eligible for Medicare and your initial enrollment period here.
If you already have Medicare, this is the one time of year when you can make changes for the next year.
Switch from a Medicare Advantage Plan that doesn't offer drug coverage to a Medicare Advantage Plan that offers drug coverage.
Switch from a Medicare Advantage Plan that offers drug coverage to a Medicare Advantage Plan that doesn't offer drug coverage.
You can learn more about becoming eligible for Medicare and your initial enrollment period here.
If you already have Medicare, this is the one time of year when you can make changes for the next year.
Switch from a Medicare Advantage Plan that doesn't offer drug coverage to a Medicare Advantage Plan that offers drug coverage.
Switch from a Medicare Advantage Plan that offers drug coverage to a Medicare Advantage Plan that doesn't offer drug coverage.
You have 8 months to enroll in Medicare once you stop working or your employee coverage ends, whichever happens first.
You'll want to contact Social Security before your coverage ends so there isn't a gap in coverage.
Once you have notified Social Security and the paperwork is in place you should receive your Medicare card in 3-4 weeks.
If you or your spouse are still working, and you have health care coverage under an employer plan, contact your employer's HR department to see how coverage works with Medicare.
You'll want to contact Social Security before your coverage ends so there isn't a gap in coverage.
Once you have notified Social Security and the paperwork is in place you should receive your Medicare card in 3-4 weeks.
If you or your spouse are still working, and you have health care coverage under an employer plan, contact your employer's HR department to see how coverage works with Medicare.
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