Original Medicare Part A and Part B Enrollment
Initial Enrollment Period when you’re turning 65. Your enrollment in Medicare might not be automatic. Drawing Social Security? Not Drawing Social Security? Do I need to sign up or will I be automatically enrolled? Medicare start day is always the first day of the...
Medicare Part D: Prescription Drugs
Stand Alone Drug Plans vs Advantage Plan Drug Costs. Prescription Drug Plans are available as stand alone Part D or as part of a Medicare Advantage Plan. Drug plan premium is not the only consideration. You must also consider co-pays. TOTAL COST IS KING! (Premium +...
Medicare Advantage Plans Considerations
Managed Care Systems HMO (local) PPO (regional) Premium? Medical Deductible? Co-Pays? M.O.O.P.P. (Maximum Out Of Pocket Protection Limit) Ancillary Benefits: SOME include hearing, vision, gym membership, transportation to and from facilities, etc. (vary) There is a...
Secondary Insurance (aka Supplement or Medigap)
Secondary Insurance Medicare supplements (Medigap or secondary) insurance plans are available in a standard format based on alphabet letters. The Plan Letter = Benefits (All Plan Gs, for example, regardless of the company offering the plan, have exactly the same base...