Medicare can be a complicated process. We simplify it.
If you are age 65 or older or are deemed to have a disability, you may be eligible for the federal government insurance program. Understanding your insurance beneﬁts can be tricky. It costs you nothing to use our service and there is never an obligation. The average insurance agent writes with 3 insurance companies. Our only objective is to help you make an educated decision based on your medical needs. Therefore we offer 8-10 quality companies that offer some of the strongest medicare plans. Each has their own niche in the market. That’s where we come in. Having the knowledge of multiple carriers and all their plan options to assist you.
It costs you $0 to work with me because I am paid by the insurance companies. I represent 8-10 insurance carriers and their many plans. My only objective is to help you make an educated decision based on your medical needs. You’re getting unbiased advice. I am not incentivized by any carrier for you to purchase from one company over another. Each has their own niche in the market. That’s where I come in. Having the knowledge of multiple carriers and all their plan options and assisting you in finding the right fit for your needs.
When you choose to work with Bayside Medicare, we'll compare your employer benefits or simply educate you on Original Medicare and the different types of supplements—Medigap and Medicare Advantage.
1) Must be US citizen or legal resident living in the United States for at least 5 consecutive years.
2)Must be 65 years old or on Social Security Disability for 24 months or have End-stage Renal (at any age) or ALS known as Lou Gerig’s Disease.
Once Medicare Eligible:
Part B Enrollment Effective Dates:
Traditional Medicare—that is, Parts A and B only—does NOT cover:
Parts B and D have lifetime penalties when coverage is not taken timely. Contact us to help you navigate this important decision.
Working Past age 65?
Depending on your situation, you may or may not be able to delay Medicare enrollment. Your (IEP) Initial Enrollment Period happens in the month you turn 65 regardless if you are working.
Original Medicare—that is, Parts A and B only—does NOT cover:
Option I - Medigap (known as Supplements or Plan F, G)
Policies that are in addition to and pick up where Original Medicare leaves off.
Option II - Medicare Advantage (known as Part C)
Policies through private insurance companies that include Parts A, B, C, and D.
Are Medicare Advantage plans that include prescription drug coverage and are designed for those with a chronic illness like diabetes, heart disease, coronary artery disease, COPD, and a blood-clotting disorder. You may also qualify based on your income. We will educate and guide you through the State and Federal programs—that’s where we really simply the processes. Once qualified, programs offer full and partial “dual eligibility” from the State-Federal Medicaid program. You may get help paying for Part B, deductibles, copays depending on the level of assistance you are qualified to received.
ICEP - Initial Coverage Enrollment Period
3 months before 65th birth month, 65th birth month, 3 months after (7 months total) IE - January, February, March, April’s birth month, May, June, and July
SEP - Special Election Period
Medicare Advantage or PDP changes based on special events(Move, Medicaid, Lose Employer Coverage) All Year
AEP - Annual Election Period
Medicare Advantage and PDP changesOctober 15th through December 7th
OEP - Open Enrollment Period
Only Medicare Advantage plan-to-plan changes or return to Original Medicare with a PDPJanuary 1st through March 31st
Schedule a free consultation with Dayna to explore your Medicare options.
Call 727-375-2700 orSchedule Now
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