Are you turning 65 this year? Do you feel you may be paying too much for your medicare coverage or are you worried about gaps in your coverage? Do you have a lot of questions about Medicare? We can help.

When to choose a medicare plan?

If you are 65 and receiving social security, you will be automatically enrolled in Medicare A and B.

If you have not taken social security yet; you will need to sign up for Medicare Part A and Part B. You can sign up 3 months before your birthday, the month of your birthday and 3 months following your birthday month.

If you do not sign up during this window, you may be at risk for penalties.

If you are receiving benefits from your employer; you may be able to delay benefits. Contact us to discuss your individual situation and what may be best for you.

If you are concerned about missing deadlines or when or what to sign up for in regards to Medicare, we are happy to help navigate you through this process.

The Parts of Medicare

Medicare Part A – This is your hospital insurance

For most over page 65, Medicare Part A is free. This is because during your working years you have paid taxes to pre-fund the premiums for this benefit. If you don’t automatically qualify for premium-free coverage, most individuals can still apply for it; however you will have to pay a premium for part A.

Medicare Part B – This is your outpatient medical coverage.

Part B covers your doctor visits, cancer therapy and kidney dialysis and lab services. These are extremely expensive items that would cost a fortune without supplemental coverage? Unfortunately part B is not free for most individuals. On average, it cost most XXX; however individuals with higher income brackets may pay more. If you are still working, you may be able to delay part B, we can help you evaluate your best options.

Medicare Part C –Medicare part C is also known as Medicare Advantage or private insurance.

This part of medicare is voluntary. The cost of these plans varies by carrier or residence or type of plan selected. We can help provide you with a non-biased evaluation of plan options that may best fit your needs. To enroll in part C, you must first enroll in part A and B Once enrolled in original medicare, part A & B, contact us if you are interested in additional benefits to help fill in the gaps of original medicare. For example, medicare part b typically pas for 80% of medicare approved services leaving a 20% co-insurance. Plan C pays the 20% co-isnurance or copayment cost.

Medicare Part – most commonly known as the drug coverage of medicare. It covers retail prescription drugs that you pick up yourself at the pharmacy or order via mail order. You choose a carrier and enroll in their drug plan, and that’s how you sign up for Part D drug plan. Most states have about 30 drug plans to choose from, and the best way to determine which one is the right fit for you is to have your agent run a Part D analysis using Medicare’s prescription drug finder tool.

What is a Medicare Supplement Plan?

Medicare supplement plans are many times called “medigap policie” and were standardized by the government in 1990. This was done to make it easier to compare plans. These plans help pay for health care cost like co-payments, coinsurance and deductibles.

We are contracted with most carriers and can provide a non-biased, Free, no-obligation medicare comparison quote of the most popular plans in your area. Premiums for Medicare Supplements vary by gender, age, zip code, tobacco usage and your eligibility for household discounts.
Medigap supplements are labeled with letters and we most request for plans F and G. You have to be enrolled in Medicare part A and B to receive the benefits of a Medicare supplement plan.

If you have been asking yourself: Who can help me choose a Medicare Plan – look no further! Let Diana with Senior Healthcare Help identify which plan is right for you and how much the monthly premiums cost in your area. Contact Diana today at 770-685-1777 or diana@activewealth.com for your FREE No-Obligation quote.

Let me be your one-stop shop for choosing a Medicare plan. Because I am an insurance broker, I work for you, not the insurance company. I will provide you with the non-biased information you need to make an informed decision. We assist our clients with finding plans that are accepted by their important physicians and that are also affordable for their budget. Simply compete the “more information request” and Diana will contact you today for your FREE No-Obligation quote.

Vision, Hearing and Dental Insurance

Did you know most Medicare doesn’t cover Dental, Vision or Hearing?

Most medicare plans do not pay for items Seniors need as they get older such as Dentures, Hearing aids, and preventative vision screenings for common eye issues such as macular degeneration, glaucoma, and cataracts. We offer Dental,, Vision and Hearing plans with many providers.

Contact Diana at 770-685-1777 or diana@activewealth.com today for your FREE No-Obligation Quote for Dental, Vision and Hearing insurance.

Hospital Indemnity Insurance

Do you have high deductibles or copays? You may benefit from Hospital Indemnity Insurance. During hospital stays, this insurance pays you a set amount per hospital day to help offset unplanned costs. Plans are as low as $17/month. Contact Diana today at 770-684-1777 or diana@activewealth.com for your FREE No-Olbigation quote.

Cancer Insurance

Cancer insurance was not designed to replace a traditional health insurance but to compliment it by paying for treatment-related expenses not be covered by your policy. With most plans, you will receive a lump sum of money if diagnosed with cancer which you can use for both medical costs and normal living expenses. Contact Diana at 770-685-1777 or diana@activewealth.com for your FREE No-Obligation Quote.

Short Term Care Insurance

Have you been turned down for Long term care insurance or was it just too expensive? Short Term Care Insurance may be a good option for you.

The typical Short-Term Care insurance (STCi) policy provides coverage for 1 year or less. For many people, this is a very appropriate and affordable amount of coverage. It is true that some long-term care claims last for many years, however, almost half (49%) of long-term care insurance claims LAST ONE YEAR OR LESS.

The majority of policies have a 0-day deductible (Elimination Period) and a full year of benefits. Simply, that means the policy pays on the very first day one qualifies for benefits. Most traditional long-term care insurance policies (about 94%) are sold with a 90-Day Deductible that must be met before benefits are paid.

It is important to know that these policies can pay in addition to Medicare — something a traditional Long-Term Care Insurance policy is prohibited from doing.