Making the transition to Medicare should not become a second job for you or your family. We have over 50 years experience with secondary Medicare plans. With no cost to you, let us guide you through the process in the most straightforward way.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
STEP 1
Enroll in original medicare
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The first step of transitioning to Medicare is to apply for Part A and Part B, or "Original Medicare"
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If you are collecting Social Security Income prior to turning 65, you will be automatically enrolled and sent a Medicare ID card 90 days prior to the effective date
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If you are not yet collecting Social Security Income, you will have to apply for Part A and B in person at your local Social Security office, online at www.ssa.gov, or Call Social Security at 1-800-772-1213.
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If you are over 65, and have opted out of Part B while you remained on employer insurance you will have to fill out these forms to get Part B started with no penalty:
*Print these, complete, and mail or drop off to local SSA office.
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Other notes:
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You, or your spouse must have paid 40 quarters (10 yrs) in to Medicare in order for both of you to qualify for benefits
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You have the right to deny Part B if you are still covered under employer insurance and they do not require it.
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How much does Original Medicare cost?
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Part A - No Cost
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Part B - $174.70/ month, or higher depending on income
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Step 2
Finding a plan to pick up the costs left uncovered by original medicare
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Part A and Part B will cover 80% of Medicare approved services, however you will be responsible for the remaining 20%
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You will have two options to help cover the 20% you would be responsible for
--OR--
Quick Facts:
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Accepted by any provider that accepts Original Medicare, which gives you the freedom to choose your providers
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Has higher monthly premium than Medicare Advantage Plans
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Very little out of pocket, besides monthly premium, see full benefits below (Plan G is the most common, where your only cost on top of the monthly premium is the $240 Part B deductible, once paid for the year you are covered 100%)
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It is recommended that you enroll in a standalone prescription drug plan to go along with a medicare supplement, this is an extra monthly cost depending on your particular Rx's
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Medicare Supplement benefits are the SAME with any company that offers them, the PRICE is the main difference between companies
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Will have annual price increases
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No dental/vision coverage unless procedure is covered under Original Medicare
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Quick Facts:
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Typically HMO/PPO plans, meaning you must use the plans network of providers
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Low, if any, monthly premium (you still have to pay Part B premium)
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Co-Pays, or Co-Insurance for nearly every service besides preventative
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Maximum out of Pocket for the year before plan pays everything : $3,000-10,000 (this is NOT a deductible)
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Drug plan is INCLUDED (unless you have creditable coverage elsewhere)
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Benefits and networks vary by company and plan. It is VERY IMPORTANT for us to check to see that your providers and prescriptions are covered for a particular plan
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Most plans offer dental/vision/hearin benefits
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Benefits may change Jan. 1st each year
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Because of the variation of benefits and networks with Medicare Advantage Plans, you will have to contact us with your providers and prescription information in order for us to recommend a specific company
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YOU MUST PAY YOUR PART B PREMIUM REGARDLESS OF WHICH TYPE OF PLAN YOU CHOOSE
***Co-pays,Co-insurance,Restrictions may apply, this is not a full explanation of benefits. Full explanation of benefits will be sent with quote***
One important thing to consider; when you first enroll in Original Medicare you are given a 6 month window to enroll in a Medicare supplement plan without being subject to health underwriting, giving you guaranteed acceptance.
step 3
Getting enrolled in your secondary plan
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We can get you enrolled in either type of plan using a number of different ways to apply
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Our company will also service these plans, so if there are any future problems or concerns we will handle them in-house for you
Enrollment Options include:
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Physical applications (sent via regular mail, email, or fax)
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Electronic Applications (completed by email, or link to apply)