Medicare is confusing, but it does not have to be. Together, we can help you make sense of Medicare and find the plan that is right for you.
When should I sign up for Medicare?
This is one of the most asked questions we hear. The answer depends on your specific situation. Are you retired or currently working? Are you already taking Social Security?
You want to make sure you sign up at the right time for Medicare to get your benefits and avoid paying a lifetime of penalties.
How do I sign up for Medicare?
This common question depends on your specific situation. If you are already taking your Social Security income, you don't have to do anything.
If you are not taking Social Security, you are going to need to enroll into Medicare and you may be able to do this online. If you are still working, you are going to have to do some paperwork, as will your employer.
These plans include Original Medicare (Parts A & B) and may or may not come with a Prescription Drug Plan. Medicare Advantage usually has little or no monthly premiums, which is attractive. However, they do have certain limitations that you need to be aware of.
These plans will be in addition to your Parts A & B and do not include a Prescription Drug Plan. They do have monthly premiums and generally do not have any co-pays or co-insurance. You have a one-time guaranteed enrollment into a Medicare Supplement that you do not want to miss if you this is the right plan for you.
Prescription Drug Plan
These can be stand-alone plans or part of your Medicare Advantage plan. You want to make sure you have this so you don't get penalized. Being in the right Prescription Drug Plan can save you thousands of dollars in your retirement. Things change every year so you need to make sure you review your plan every year
Get Your Medicare Planner Today
We want to make sure you are on the right plan. Complete the form and get your complimentary Medicare Planner to help you find the right plan for your needs. This is the exact form that helped us save a client over $18,000 in a single year on her prescriptions drugs.