Medicare Advantage and special needs
Medicare Advantage plans give you Part A, Part B, and Part D coverage in one. Special needs plans offer additional benefits depending on who the plan is targeting and what your health care or budgetary needs are and may include: dental, vision, transportation and more.
Medicare Supplement plans
These plans are known as 5A plans, because for an affordable monthly premium they can allow you to go to any doctor, specialist or hospital, anytime, anywhere. The 5As are not connected to or endorsed by the US government or the federal Medicare program.
Prescription drug plans
Part D or prescription drug plans can help pay for most of the prescription drugs covered by Medicare. This plan can be used in conjunction with Original Medicare and with Medicare supplement insurance plans. You can also get Part D drug coverage from a separate Medicare prescription drug plan.
What is the process to follow before getting insurance?
Medicare is available to U.S. citizens and legal residents who have lived in the country for at least 5 consecutive years.
Medicare is an individual insurance. It does not provide coverage for spouses or dependents. You may be eligible for Medicare benefits if you meet one of the following conditions:
Your first opportunity to enroll in Original Medicare coverage (Parts A and B) is around the time you turn 65. When you enroll in Original Medicare, you are only enrolling in basic hospital and basic medical health coverage.
After you join Original Medicare, you can apply for optional Medicare health and drug coverage. Plans that provide this health insurance coverage are called Medicare Advantage Plans (Part C) and Medicare Prescription Drug Plans (Part D). Your first opportunity to enroll in these plans is also around the date you turn 65.
If you do not enroll in a Medicare plan around your 65th birthday, there are also designated periods when you can enroll each year.
The period when you can join a Medicare plan is called the "enrollment period.
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You may be eligible to enroll in Medicare in a 7-month period, which includes the 3 months before your 65th birthday, the month you turn 65, and up to 3 months after your 65th birthday.
You can always enroll during the annual enrollment period, typically October 15 - December 7.
Additionally, you can enroll during the special election period that may be triggered by a life event, retirement, loss of income, death of spouse, or move out of the service area.
BY MAIL (the safest): we process everything through priority mail for confirmation of delivery through USPS or FEDEX.
BY PHONE: Call us directly at 469-777-2123 anytime from 8 am to 8 pm, 7 days a week.
>You will need the name and address of your primary care provider and your Medicare ID number to enroll.
> Your Medicare ID number and the hospital's Part A and Medical Part B effective dates.
> Finally, if you receive Medicaid, we need your Medicaid number.
1. Request a 5-minute consultation with an advisor via chat, Facebook, phone, or email.
2. Receive priority mail from USPS directly to your address.
3. Follow the instructions or watch the video by clicking here.
4. Return the information in a prepaid envelope.
5. Expect a call from the insurance company within 5 to 10 days.
6. DO NOT DISCLOSE YOUR INFORMATION TO ANYONE EXCEPT HAVING A PICK UP CODE THAT WE GIVE YOU.
7. Contact us any time you need to, at any time of the day.
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I worked with Moe for Combined Insurance. Anyone can become a manager, but not everyone will be a leader. Moe is very knowledgeable and was not only my manager, but also a mentor.
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Final expense insurance, as the name implies, helps to manage the final or funeral expenses of an insured. Under these plans, you must pay a fixed monthly premium and your insurance provider will pay for funeral-related expenses.
The most common types of Medicare Advantage plans include Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPO), Private Fee-for-Service Plans (PFFS), and Special Needs Plans (SNP).
Medicaid is a social welfare program designed to provide health care coverage to the poor in the United States. Some people with disabilities may also qualify.
A Medicare supplement insurance policy (Medigap) can help pay for some of the health care costs that Original Medicare doesn't cover, such as when you travel outside the US, copays, coinsurance, and deductibles. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for health care costs. Then your Medigap policy pays its share.
Have your red, white and blue Medicare ID card ready when you enroll. If you don't have such a card available, contact the Social Security Administration (SSA) at 469-777-2123 (TTY). Ask SSA for the name on your records and the effective dates of Medicare Parts A and B. Before you begin, make sure you have this information:
- Postal Code
- Medicare number
- Last name
-Date of birth
A Medicare supplement insurance plan helps cover unpaid costs after Medicare Parts A and B pay their share of your health care expenses. Unlike a Medicare Advantage plan (which is an alternative to your Medicare Parts A and B benefits) you buy a Medicare supplement plan in addition to your Medicare Parts A and B benefits.
Part A covers inpatient hospital care or a limited stay in a skilled nursing facility. Part B covers outpatient hospital and medical services. The premium you pay for Part B is deducted from your Social Security benefits. Medicare pays for many health care services and supplies, but it does not cover all of your health care costs. For example, you pay a deductible for each hospital stay and coinsurance each time you use the services of a doctor or surgeon.
insurance
To obtain and take advantage of all the benefits of the insurance we have for you, fill out the form with the information requested in each line.
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