Who I Help

I can assist clients in every type of scenario

Turning 65
Over 65 losing their coverage
Unsure whether to on employer insurance or enroll in Medicare
Unhappy with current coverage
On Social Security Disability

What is Medicare

Medicare IS

A federal health insurance program
For US citizens and legal residents
Individual health insurance

Medicare is NOT

Medicaid
Social Security
Family plans

Who Can Get Medicare

You can qualify for Medicare if you meet one of the following requirements

Within 3 months of turning 65 or older, even if you still work
Younger than 65 with a qualifying disability
Have enstage renal disease (ERD)

Note: You may be eligible for Part A through your spouse though you must meet the age or disability requirements

What Does Original Medicare Cover

Part A – Hospital Insurance

Hospital room and meals
Intensive care
Skill Nursing Facility Care
Operating room services
Hospice care
Rehabilitation services
Some home health care
Some drug and medical supplies for in patient stats

Part B- Medical Insurance

Outpatient care
Mental health care
Clinical lab services
Durable medical equipment
Ambulance services
Occupation/Physical therapy

What Does It Cost

Original Medicare consists of Part A and B but no out of pocket maximum

Part A – Hospital Insurance

Premium $0.00
Deductible $1632
Other Cost $408.00/day 61-80
$816.00 a day after 90 days

Part B – Medical Insurance

$174.70/mo
$240.00 Yearly 20%

What Is Not Covered

Prescription drugs
Annual physicals
Dental, vision and hearing care
Hearing aids
Glasses or contacts
Long term care
Most care outside the US

What Should You Consider

It’s a personal decision based on cost, convenience and health history so consider the following questions

What am I willing/able to spend on programs, deductibles, co-insurance and copays
Does the plan I’m considering have all the benefits I am looking for
How important is it to me to have vision, dental and hearing services
Am I ok with having a restricted list of providers and hospitals in a network?
Do I feel comfortable using this plan to manage any chronic health conditions I have

We do not offer every plan available in your area. Currently, we represent 7 organizations which offer 856 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.