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Introduction to Medicare
Medicare Basics
Are you Eligible for Medicare?
*Have you, or your spouse worked in the U.S. for 40 quarters (10 years) or longer ?
*Are you a citizen or a legal resident?
*Have you lived in the U.S. for 5 consecutive years?
*Are you turning 65 or qualify due to disability?
*Do you have ESRD or ALS?
There are many ways to qualify, and the time to enroll is limited to specific enrollment periods.
Understanding Your Choices
Once enrolled in Medicare Part A & Part B you will have TWO options in how you want your medicare coverage to work.
Keep Medicare as an active part of your care and add a Medicare Supplement plan. An additional stand alone Prescription Drug Plan (Part D) will be required to avoid future penalties.Benefit: Freedom to choose care wherever Original Medicare is accepted, and without getting referrals.
Enrolling in a Medicare Advantage plan (Part C) combines the Part A & Part B into one plan. Prescription Drug coverage is most often included.Benefit: May also offer additional benefits not provided by Origingal Medicare or Medicare Supplement plans.
How does Medicare work?
When you qualify to enroll in Medicare, but you also have access to group insurance, a retiree plan, or qualify for Medicaid, there are rules that determine what insurance pays first.
When working for a small employer with less than 20 employees, enrolling in Medicare Part B will be needed, since Medicare pays first.
When working for a large employer (more than 20 employees) then the group insurance pays first. Therefore enrolling in Medicare Part B is not necessary, as long as the group insurance is considered "creditable coverage".
When you or a spouse have worked and paid taxes in the U.S. for 10 years or longer most people qualify to enroll in Medicare Part A at no cost. Therefore that may be a good idea, even when delaying your Part B enrollment.
Medicare Part A & Part B is needed before enrolling in a Medicare Supplement plan or a Medicare Advantage plan (Part C).
Delayed enrollment penalties for Medicare Part B and Part D may incure if you don't have "creditable group insurance coverage".
Seeking the guidance from a reputable insurance agent can make all the difference. And the best part, there is no charge for these services.
By completing this form I agree to be contacted by a licensed agent by phone, text, or email to discuss Medicare Advantage Plans, Medicare Supplement Insurance Plans, Medicare Part D Plans or other insurance products. I can reply "STOP" at any time to unsubscribe.
All Rights Reserved - Catarina Haydt
"We do not offer every plan available in your area. Currently we represent 9 organizations which offer 71 plans in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options."
Catarina Haydt is not connected to the Federal Medicare Program. This is a solicitation for insurance.