Medicare Advantage

Medicare Eligibility (health insurance not social security income):

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:

  • Automatic enrollment in Parts A and B for those receiving Social Security or Railroad Retirement Income at 65 or for those eligible based on Social Security Disability
  • Self-enrollment in Parts A and B if you’re not receiving Social Security Income at your IEP
  • This only applies to Original Medicare Parts A and B. Enrollment in a PDP or MAPD is necessary to avoid Part D penalties starting at your IEP

    Part B Enrollment Effective Dates:

  • Accepting automatic enrollment in the 3 months before you reach 65 - coverage starts the 1st day of your birth month.
  • Enrolling in Part B during your 65th birth month and the 3 months after — coverage is delayed by 1 to 3 months!

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.
• Employers may require you to enroll in Original Medicare (both Parts A and B)
• You have the option to enroll in Original Medicare Part A only during your IEP, then enroll in Original Part B and/or Part D later during a Special Enrollment Period.

What is included in Medicare Advantage coverage?

Medicare Advantage Plans include Parts A, B, C and sometimes D. Part C are the extras like dental, vision, hearing aids. Part D is drug coverage. To enroll in Medicare Advantage:

Are Special Needs Plans also Medicare Advantage?

Special Needs Plans are offered as Medicare Advantage Plans. They 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 simplify 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 qualify to receive.

What are the best Medicare Advantage Plans?

We work with 8-10 insurance companies offering Medicare Advantage Plans. The “best” plan for any individual is the one that fits your medical needs, where your doctors and hospitals are in-network, where you can get your prescriptions at a reasonable cost, and the plan offers the ancillary options that provide extra value to your current needs (dental, vision).

What is the cost of your assistance?

Our services are at no charge to you. We are paid by the insurance companies a standard price deemed by the Centers for Medicare and Medicaid - CMS. Our primary job is to get the right medical plan for your needs.

Are you new to Medicare? Considering you’re Medicare Options?

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