As a Independent brokerage we are able to offer our clients Medicare options from most major companies . We currently offer plans from the following carriers:
The annual enrollment period for Medicare is October 15th until December 7th. This is the only time of year that a member can change their plan unless they qualify for a special enrollment period.
There are an array of events that qualify a member for a special enrollment period. See below for a in depth list.
Medicare Part A is hospital insurance. Part A generally covers inpatient hospital stays, skilled nursing care, hospice care, and limited home health-care services. You typically pay a deductible and coinsurance and/or copayments.
Medicare Part B is medical insurance. It generally covers services and items such as:
This is not a complete list
No we are not talking about delicious donut holes you buy a Krispy Kreme. A Donut hole in Medicare is in reference to your drug coverage. In some rare cases drugs are covered by Medicare Part B don't qualify for the donut hole.
You usually don't pay a monthly premium for Original Medicare Part A coverage if you or your spouse paid Medicare taxes for a certain amount of time while working. This is sometimes called "premium-free Part A."
Most people get premium-free Part A.
You can get premium-free Part A at 65 if:
If you're under 65, you can get premium-free Part A if:
Most people will pay the standard $164.90 premium amount. If your modified adjusted gross income is above a certain amount, you may pay an Income Related Monthly Adjustment Amount (IRMAA).
To View the costs click the link below scroll down to Part B and click who pays a higher Part B premium because of income?. This will pull up the income chart for you.
Did you know that medicare ends at the U.S border? Your Medicare Advantage plan may offer worldwide emergency coverage. Depending on which Medicare Supplement you have it may offer some benefits. A senior travel insurance plan may be a good option
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