Navigating the health insurance field these days can be a headache. Reviewing the broad scope of information available can feel like a daunting and impossible task. Our licensed insurance agents at BK Insurance Services understand the need for excellent health care, especially for people who are 65 and older or on Medicare disability. We specialize in helping clients understand their Medicare Supplement Insurance Plan and Medicare Advantage Plan coverage options, so you can make the best choice possible.
With numerous plans available from some of the nation's leading health insurance carriers, you are sure to find the right fit. When you call our team, you get one of our knowledgeable staff ready to assist you. Even better, there are no additional costs associated with working with us than if you went straight to the insurance carrier.
If you are seeking a Medicare insurance program for an individual who is 65 or older, someone with disabilities, End-Stage Renal Disease (ESRD), or a person who qualifies for Medicare in any way, contact BK Insurance Services today.
With numerous plans available from some of the nation's leading health insurance carriers, you are sure to find the right fit. When you call our team, you get one of our knowledgeable staff ready to assist you. Even better, there are no additional costs associated with working with us than if you went straight to the insurance carrier.
If you are seeking a Medicare insurance program for an individual who is 65 or older, someone with disabilities, End-Stage Renal Disease (ESRD), or a person who qualifies for Medicare in any way, contact BK Insurance Services today.
Services
Enrolling clients: If a potential member is not currently enrolled in Medicare Part A and/or Part B, our experts are happy to walk you through the process step-by-step, on the phone or in person.
Review of alternative options: If you have a new prescription, or your health status has changed, we can easily review new Medicare options with you and answer any questions you may have regarding your current plan.
Birthday renewal reminder: For Medicare Supplement Insurance Plans, our licensed insurance agents are available to call you the month before your birthday renewal to find out if there are any changes to your coverage you would like to make, as per the Oregon Medicare Birthday Rule.
Review of alternative options: If you have a new prescription, or your health status has changed, we can easily review new Medicare options with you and answer any questions you may have regarding your current plan.
Birthday renewal reminder: For Medicare Supplement Insurance Plans, our licensed insurance agents are available to call you the month before your birthday renewal to find out if there are any changes to your coverage you would like to make, as per the Oregon Medicare Birthday Rule.
Our licensed insurance agents at BK Insurance Services truly understands how difficult it can be to choose a Medicare plan that meets all of your needs, especially when you are already coping with medical issues.
We are a team of Medicare licensed insurance agents who have all the information you need to make an informed decision about your healthcare.
With years of experience and satisfied policyholders in both Oregon and SW Washington, we have extensive experience providing a clear, comprehensive understanding of the differences between Medicare plans, what Medicare covers, and how to assist with any issue or question relating to Medicare or Medicare coverage.
We are a team of Medicare licensed insurance agents who have all the information you need to make an informed decision about your healthcare.
With years of experience and satisfied policyholders in both Oregon and SW Washington, we have extensive experience providing a clear, comprehensive understanding of the differences between Medicare plans, what Medicare covers, and how to assist with any issue or question relating to Medicare or Medicare coverage.
Some people get Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) automatically and other people have to sign up for it.
In most cases, it depends on whether you're getting Social Security benefits.
An individual who is receiving monthly Social Security or RRB benefits at least 4 months prior to turning age 65 does not need to file a separate application to become entitled to premium-free Part A. In this case, the individual will get Part A automatically at age 65.
An individual who is not receiving monthly Social Security or RRB benefits must file an application for Medicare by contacting the Social Security Administration.
In most cases, it depends on whether you're getting Social Security benefits.
An individual who is receiving monthly Social Security or RRB benefits at least 4 months prior to turning age 65 does not need to file a separate application to become entitled to premium-free Part A. In this case, the individual will get Part A automatically at age 65.
An individual who is not receiving monthly Social Security or RRB benefits must file an application for Medicare by contacting the Social Security Administration.
If you are eligible for Medicare and concerned about paying for the costs that Medicare does not cover, like copayments, coinsurance, and deductibles, a Medicare Supplement Insurance Plan (or Medigap) policy may help.
A Medicare Supplement Insurance Plan (Medigap) policy, sold by private companies, can help pay some of the health care costs that Original Medicare does not cover, like copayments, coinsurance, and deductibles.
Some Medicare Supplement Insurance Plan policies also offer coverage for services that Original Medicare does not cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medicare Supplement Insurance policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs.
A Medicare Supplement Insurance Plan (Medigap) policy, sold by private companies, can help pay some of the health care costs that Original Medicare does not cover, like copayments, coinsurance, and deductibles.
Some Medicare Supplement Insurance Plan policies also offer coverage for services that Original Medicare does not cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medicare Supplement Insurance policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs.
If so, a Medicare Advantage Plan can help.
A Medicare Advantage Plan must cover all of the services that Original Medicare covers.
However, if you are in a Medicare Advantage Plan, Original Medicare will still cover the cost for hospice care, some new Medicare benefits, and some costs for clinical research studies.
In all types of Medicare Advantage Plans, you are always covered for emergency and urgently needed care.
The plan can choose not to cover the costs of services that are not medically necessary under Medicare.
A Medicare Advantage Plan must cover all of the services that Original Medicare covers.
However, if you are in a Medicare Advantage Plan, Original Medicare will still cover the cost for hospice care, some new Medicare benefits, and some costs for clinical research studies.
In all types of Medicare Advantage Plans, you are always covered for emergency and urgently needed care.
The plan can choose not to cover the costs of services that are not medically necessary under Medicare.
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