Because of the close relationship between Medicare and Social Security, people often confuse these two programs. Although there are connections between Medicare and Social Security, they are two separate government programs. Medicare – Individuals over 65, people with chronic illnesses, and those with end-stage renal disease are covered by Medicare. Social Security – a government […]
According to the US Government Centers for Medicare & Medicaid Services (CMS), the average monthly premium for standard Medicare Part D coverage is currently projected to be $31.50 in 2023 which is a decrease of 1.8% from $32.08 in 2022. Before Medicare Open Enrollment, when beneficiaries can select plans for the upcoming benefit year, CMS […]
Any doctor or hospital accepting Medicare anywhere in the United States is covered under original Medicare. When a person has Medicare Advantage, their coverage is usually region-specific, and their plan type will determine whether the coverage extends out of state. People participating in Health Maintenance Organizations (HMOs) must use certain healthcare providers. Out-of-network services, such […]
To get Medicare coverage by turning 65, enroll during the open enrollment period around your 65th birthday – preferably three months before. Once you turn 65, you’ll have to pay a small premium for Medicare coverage until the end of your life. It’s generally recommended that people wait until they turn 65 before enrolling in […]
Your attained age is based on the current year, and the years you’ve lived. So if you were born on December 2, 1952, your attained age in the summer of 2022 would be 69 years. But on your actual birthday during the same year, your attained age would be 70. Some insurance companies use a […]
Medicare Advantage plans generally offer a more extensive range of coverage than Original Medicare—such as vision, dental, and hearing benefits—they often come with costs that are much more variable than Original Medicare. With Original Medicare, the price and coverage are set and standardized across the board, though you’ll likely incur more charges compared to a […]
You need to earn about 40 “credits” or “quarters” by paying Social Security and Medicare payroll taxes while working — equal to about ten years of work — to get Part A services without paying premiums. Your payroll taxes have already covered the premiums. Not having worked long enough to “qualify” means that you can’t […]
– Deductibles and coinsurance – If you opt for Original Medicare, both Medicare Part A (hospital insurance) and Part B (medical insurance) require out-of-pocket spending in the form of deductibles and coinsurance. If you have medical needs, this can get pricey, and there’s no out-of-pocket cap on Original Medicare spending. – Routine dental care – […]
Generally, you can only drop Part A (Hospital Insurance) if you have to pay a premium for it, also called Premium-Part A. There are some risks to dropping coverage: – Your costs for health care: You may have to pay all of the costs for services that Medicare covers, like hospital stays, doctors’ services, medical […]
– Initial enrollment period The initial enrollment period is a seven-month period that includes three months before you turn 65, your birthday month, and three months after you turn 65. – Annual election period The Medicare annual election period (AEP) happens every fall from Oct. 15 to Dec. 7. During this time, you can join, […]
8144 La Mesa Blvd
La Mesa, Ca. 91942
(619) 886-5665
We do not offer every plan available in your area. Currently, we represent 8 organizations which offer 75 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options. This is a proprietary website and is not associated, endorsed, or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program, please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov.