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“Is there a menu for getting enrolled in Medicare that is straightforward and easy to understand.” Well – Medicare does cover a lot of territories.

Medicare is a federally funded health care insurance program enacted by the United States government on July 30, 1965, as an amendment to existing Social Security legislation.

Medicare provides health insurance coverage to individuals age 65 and older. Medicare and Medicaid are different social assistance programs administered by CMS – the Center for Medicare and Medicaid Services.

Medicaid differs from Medicare in that it is managed by your state instead of directly by the federal government. It provides financial assistance to individuals who qualify based on low-income requirements. Medicare funds the health care needs of its members.

Before you turn age 65, it is wise to inquire about your Medicare eligibility with Social Security. Those who are already enrolled in and receiving Social Security benefits will automatically qualify for Medicare Part A and Part B, which is known as “Original Medicare.”

There is no cost for Medicare Part A. However, there is a monthly premium for Medicare Part B which will be deducted from your Social Security check once you start receiving Social Security benefits.
During 2017 the cost, if your annual income is less than $85,000, is $134 for your Medicare Part B premium. This will continue to increase in the future.

As your income increases, your premium could be higher. If you are not financially able to pay the minimum premium of $134, then you can apply for assistance from your state Medicaid program for the Part B premium.

Medicare Parts A and B will go into effect on the first day of the month you turn 65. There is an open enrollment period that exists from the three months before the month you turn 65 through the three months after the month you turn 65. This is considered your Initial Enrollment Period for Medicare and all your decisions should be made within this time to avoid penalties.

During this same period, you can purchase your Medicare Supplement without answering any health questions.

Medicare Part A covers your inpatient hospitalization, skilled nursing care, hospice, and a minimal home health care provision.

Medicare Part B covers services including your doctor’s visits, outpatient care and services, durable medical equipment and preventive screenings and services.

Also covered by Medicare Part B are prescription drug therapies that are not covered by Medicare Part D drug plan.

Also, if you want to continue working after age 65 – you can keep your employer-provided group insurance if there are more than 20 employees. You’ll have an eight-month Special Enrollment Period after you quit working to sign up for Medicare Part B and secure a Medicare Supplemental plan.

What do you do now? As a qualified broker, we specialize in Original Medicare, your Medicare supplement, and drug plans. We have both the professional knowledge, experience, and follow-up to help you find the right options. You can call us today at 1-800-825-2919.

Or, if you prefer – send us an email to [email protected].

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