A Medicare Supplement Insurance (Medigap) --policy helps pay most of the health care costs that Original Medicare doesn't cover, like: Copayments, Coinsurance, and Deductibles
Most Medicare Advantage Plans offer extra coverage like vision, hearing, dental, and/or health and wellness programs. Most include Medicare health plans prescription drug coverage (Part D).
Medicare prescription drug coverage is an optional benefit offered to everyone who has Medicare.
Wonder when you should enroll?
Curious about how Medicare works when you stay employed
after age 65?
As a licensed agent, I can answer your questions and help you learn about the wide range of Medicare and supplemental insurance plans from The Spence Insurance Group, including Medicare Advantage plans, Medicare supplement plans and prescription Drug plans, which should be reviewed annually. With all the yearly changes and conflicting information in the news, we know how confusing Medicare health plans can be.
Great question! There's actually no prescription drug benefits that automatically come with Medicare. However, a Medicare Supplement Insurance Plan can fill in the "gaps" of Part A (hospital and skilled nursing facility care) and Part B (doctor bills, etc). To fill in the "gaps" of prescription coverage, you'd have to elect an additional policy: Medicare Part D Prescription Drug Plan.
At my no cost Medicare Health Plan workshops, I will share the basics of Medicare Health Plan with our Clarity workbook, as well as carrier specific plan details during Annual Enrollment starting on October 15, 2019 . You don't need to bring anything to these workshops – just come with your Medicare related questions and be prepared to learn more about your Medicare insurance options. I promise to make the workshops both informational and fun.
I help my clients understand Medicare Insurance plans with clarity. I enroll my clients in Medicare supplements Insurance plans, Medical Advantage plans and prescription drugs. Some plans also offer Dental and vision.
When I was turning 65, I didn't understand any of my healthcare options when opting out from my company's plan. Just before I turned 65 I had a massive heart attack and was saved by CPR. My new lease on life brought me to the realization I needed to learn about Medicare and social security so I got my Insurance license and learned CPR.
Now five years later I am active in my community helping to educate others with their options when choosing a Medicare Health plan. I am working with the Spence Insurance group in Englewood and providing educational and marketing seminars in the area.
Medicare Supplement Insurance is a private health insurance policy that was created to assist in paying some or all of the costs that aren't otherwise covered by Medicare Parts A and B. In short, Medicare Supplement Insurance can help you reduce your overall out-of-pocket costs.
If you're eligible for Medicare parts A and B, you're able to elect Medicare Supplement Insurance. (subject to open enrollment periods, etc.)
Maybe! Let's dive in a bit deeper:
The six-month period from the date you enrolled in Medicare Part B if age 65 or older, or up to six-month after you turn 65 if you were eligible for Part B benefits before age 65 is considered your open enrollment period. After open enrollment you may have to qualify for Medicare Supplements.
If you have a disability, you may become eligible for Medicare Part B benefits before age 65
Unfortunately, not all doctors accept Medicare. Doctors are able to "opt out" if they choose. If you choose a doctor that has opted out of Medicare, they are able to set their own fees for their services. Worried your doctor may not be opted-in to Medicare payments? Let us help.
You're only eligible for a Medicare Supplement plan when you're enrolled in Medicare in Part A and/or Part B.