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“I am so amazed at the wonderful service you provide. These Medicare issues are so complicated, and you make them so simple! Thank you so much.” - Maryann S.
MAKING SENSE OF MEDICARE
Many people know Medicare as government-provided health insurance for people over 65 and disabled individuals of all ages. However, Medicare does not cover all medical expenses and Medicare is not free. Many people are surprised to find out they must still pay premiums, deductibles, co-insurance, copayments and excess charges. Understanding what Medicare does and does not cover is essential so that you make wise decisions for your future.
ENROLLMENT OPTIONS
When you first turn 65, you have a seven-month window called your Initial Enrollment Period (IEP). Three months before your 65th birthday, the month of your 65th birthday and three months after your 65th birthday. During this IEP, you have more options than you will the rest of your life.
During your IEP, you can choose any plan you wish and they must take you and cover your pre-existing conditions. After your IEP, Medicare Supplement Plans can turn you down based on your pre-existing conditions and you will have to wait until the yearly Open Enrollment Period (OEP) to change Part C and Part D plans. OEP is only available from October 15th through December 7th each year.
ORIGINAL MEDICARE PARTS A AND B
The two basic aspects of Medicare are Part A (inpatient care) and Part B (medical care). Part A can have up to 6 deductibles per year and other charges, while Part B carries monthly premiums that vary by income, along with an annual deductible, co-insurance, and possible excess charges.
MEDIGAP PLANS (MEDICARE SUPPLEMENTS)
If you keep original Medicare, you can also purchase a supplement plan which pays all or part of the your out-of-pocket expenses. These supplements are provided by private insurers. You cannot purchase a Medigap plan if you switch to Part C (a Medicare Advantage Plan.)
MEDICARE ADVANTAGE PLANS - PART C
Medicare Advantage Plans are provided by private insurers who agree to cover at least as much as Original Medicare (Parts A & B) and have been approved by Medicare. Many Medicare Advantage Plans also provide additional coverage, including prescription drug coverage, hearing aids, dental insurance and vision care – although extra costs are often involved.
MEDICARE PRESCRIPTION DRUG PLANS - PART D
Medicare Prescription Drug Plans are provided by private insurers who have been approved by Medicare. Each insurance company charges different premiums, has different co-payment, covers different drugs (called formularies) and are contracted with different pharmacies.
Learn the Basics
Join our FREE 4-Day Medicare Mini Course. You will receive four simplified email lessons with short videos to help simplify all of this for you.
Compare Your Options
Use our technology to compare your options. Choose whether to stay with Original Medicare, and get a Medigap (Supplement), plus an Rx Plan, or change to a Part C Plan.
Choose Your Path
Whether you chose to stay with Original Medicare or change to a Part C Plan, get free help and wise counsel from your own caring, licensed advisor.
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About MakingSenseOfMedicare.com
MakingSenseOfMedicare.com is privately owned and operated by AssureCor, Inc. MakingSenseOfMedicare.com is a non-government resource for those who depend on Medicare, providing Medicare information in a simple and straightforward way.
If you're looking for the government's Medicare site, please navigate to www.medicare.gov.
This website and its contents are for informational purposes only.
Nothing on this website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition, as well as prior to undertaking any specific exercise or dietary routine.
The purpose of this communication is the solicitation of insurance. Contact will be made by a licensed insurance agent/producer or insurance company. Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. We sell insurance offered from a number of different Medicare Supplement insurance companies.
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