Medicare is a federal health insurance program designed for only people who are 65 or older. People who are under 65 are not able to join Medicare, unless they have been on Social Security disability for more than 24 months, and have surpassed the waiting period for Medicare coverage. Additionally, people who can also benefit from this program are people with certain disabilities such as end-stage renal disease, and other permanent disabilities.

No, we do not charge fees for our services. We are compensated by the insurance companies when you enroll in a plan through us, ensuring you receive unbiased guidance without additional costs.

You can reach us by calling our toll-free number at (888) 367-9797 or emailing us at [email protected]. We are available to answer your questions and schedule a personalized consultation to discuss your Medicare options.

Initial enrollment usually begins three months before your 65th birthday and extends for seven months. There are also special enrollment periods for certain qualifying events, like losing other health coverage or moving

Medigap is just another name for a Medicare Supplement Plan. They are the same exact thing and can be used interchangeably. Medigap policies are sold by private insurance companies and will pay some or all of the health care costs that Original Medicare (Medicare Part A & B) doesn’t cover. These costs can include copayments, coinsurance, deductibles and excess fees. These types of plans help make your annual health care budget very predictable and lower your out-of-pocket spending.

Medicare Advantage Plans, also known as Medicare Part C, are a type of health plan offered through private companies that contract with Medicare to provide you with your Part A (Hospital) and Part B (Medical) benefits. Medicare Advantage plans work much like insurance during our working years with networks for doctors and hospitals, deductibles, and co-pays. In addition to their full Medicare benefits, Medicare Advantage plans may also include vision, dental, drug coverage, and more.

The Foundation of Medicare Coverage is Comprised of Four Parts. “Original Medicare” consists of Part A and Part B. Together, they provide the foundation for your health insurance coverage.

1) PART A • This is commonly known as hospitalization insurance. This mostly covers the cost of your time in the hospital (inpatient care), skilled nursing facility care, hospice care, home health care, and more.

2) PART B • This helps cover your doctors visits and other services including: outpatient procedures, x-rays, lab tests, and preventative services.

3) PART C • These plans are offered by private insurance carriers who have a contract with Medicare and are required to offer the same benefits as Original Medicare. You may enroll in this option to replace your “Original Medicare” (Part A and Part B). “Medicare Advantage Plans” are known as Part C. This combines Part A and Part B coverage.

4) PART D • This is your prescription drug coverage. This is offered to everyone with Medicare. Most Part C plans cover prescription drugs; however, you may be able to add drug coverage to some plans, if they are not already included.

PART A • This is commonly known as hospitalization insurance. This mostly covers the cost of your time in the hospital (inpatient care), skilled nursing facility care, hospice care, home health care, and more.

PART B • This is typically known as “medical insurance”. This helps cover your doctors visits and other services including: outpatient procedures, x-rays, lab tests, and preventative services.

PART C • These plans are offered by private insurance carriers who have a contract with Medicare and are required to offer the same benefits as Original Medicare. You may enroll in this option to replace your “Original Medicare” (Part A and Part B). “Medicare Advantage Plans” are known as Part C. This combines Part A and Part B coverage.

PART D • This is your prescription drug coverage. This is offered to everyone with Medicare. Most Part C plans cover prescription drugs; however, you may be able to add drug coverage to some plans, if they are not already included.

One of our licensed, experienced, insurance agents would be happy to provide you with a side-by-side comparison from the leading top insurance companies, and help find the plan that is right for you. Simply follow this link HERE, fill out the quote form, and one of our friendly agents will be in contact with you shortly. It’s that simple!

You have two options if you are still planning on working after you turn 65. You can either join Medicare, or keep your current coverage. We recommend weighing your options to see which coverage will provide you with the best benefits for the lowest premiums.From our experience, approximately 50% of the time it is best to stay on group coverage, and the other 50% of the time, it is better to join Medicare. This decision should be based on comparing what you currently pay for your health insurance versus what you would pay for Medicare. Additionally, comparing a few of the major benefits such as the deductible and copays.

Thinking about additional costs when you’re about to retire can be daunting and additional costs you might not anticipate or plan for. Questions like: How much is it? Can I afford it? What will my premiums be? These are all very common questions.

Big picture, Medicare coverage works a little differently then how we paid our health insurance premiums during our working years… During our working years, most people paid one large premium for all of our healthcare coverage including doctor visits, hospitalization, and drug coverage.  However, Medicare coverage is paid in several smaller amounts for individual parts of coverage. 

For more information on Medicare costs and specific premiums, Click Here 

Unfortunately, most dental services such as cleanings, fillings, and crowns are not covered by Original Medicare. However, there is a great “all-in-one” plan that covers dental, vision and hearing that you can add onto your Medicare plan for a monthly affordable rate.

Most people become eligible and apply for Medicare at age 65. When approaching turning 65, it’s important to know what your Initial Enrollment Period or (IEP) is. This is a seven-month period, which begins three months before the month of your 65th birthday, your birthday month, then extends for three months after your birthday month. 

There are (4) ways you can apply for Medicare. The most popular way is online through the Social Security website. Other ways you can apply for Medicare is by phone, by mail, or in-person at the SS office. To learn more about when, where and how to apply for Medicare, Click Here.

After Plan F was phased out back in 2020, Plan G now offers the highest level of coverage in 2023. The only out-of-pocket expense you will have with Plan G is the Part B deductible of $226 in 2023. After this deductible is met, all your cost-sharing expenses will be covered for the rest of the year..Plan N is the second best option when it comes to the 10 Supplement Plan Options. Plan N covers mostly everything Plan G covers, except the most notable difference which is that Plan N doesn’t cover Part B excess charges (such as copays up to $20 for doctor visits and $50 for hospital visits), in addition to the Part B deductible.

Our New to Medicare Webinar is a great way to learn about Medicare in simple and easy terms. We recommend it to everyone turning 65! You can sign up for this free Medicare 101 Webinar by clicking the link HERE.

Senior Medicare Benefit Plans is led by Kim Morales-Cecaci, a seasoned Medicare specialist with over 17 years of dedicated experience. Kim is passionate about senior health and specializes in providing clear, actionable guidance to English and Spanish-speaking seniors navigating the complexities of Medicare. Since 2007, Kim has been committed to ensuring her clients understand Medicare thoroughly, empowering them to make informed decisions that maximize benefits and minimize costs. Her mission is to simplify the Medicare journey, ensuring every senior receives the healthcare they deserve without leaving any money on the table.