Licensed agents help Medicare beneficiaries choose the proper coverage. Agents are licensed and registered individuals to solicit and enroll people into insurance products. Agencies provide administrative support such as marketing, technology infrastructure, compliance, and other services for agents. Medicare plans contract with agencies to reach and enroll beneficiaries. Agents earn commissions directly from insurers. Independent […]
If you have (or can get) both Medicare and Veterans’ benefits, you can get treatment under either program. Generally, Medicare and the U.S. Department of Veterans Affairs (VA) can’t pay for the same service or items. Medicare pays for Medicare-covered services or items. The VA pays for VA-authorized services or items. Each time you get […]
You can sign up for a Medicare plan yourself; however, there are some excellent reasons not to do this. We can sign you up to help you avoid the following issues. Medicare is confusing. One mistake can lead to substantial lifetime penalties or even the inability to get coverage. Choosing the wrong plan can leave […]
No. You are not required to enroll in Medicare when you become eligible. However, if you do not enroll, it may be challenging to receive all of your Medicare benefits. There are two main parts of Medicare to be aware of for this discussion – Part A, which is coverage for inpatient hospitalization services, and […]
There are 2 ways to get Medicare drug coverage: 1. Medicare drug plans. These plans add drug coverage to Original Medicare, some Medicare Cost Plans, some Private Fee‑for‑Service plans, and Medical Savings Account plans. You must have Medicare Part A (Hospital Insurance) and/or Medicare Part B (Medical Insurance) to join a separate Medicare drug plan. […]
Your Medicare card is proof of your Medicare insurance. If your Medicare card was lost, stolen, or destroyed, you can request a replacement with your personal my Social Security account. If you don’t already have an account, you can create one online at SSA.gov, go to Sign In or Create an Account. Once you are […]
Medicare does not cover custodial long-term care such as assisted living facilities but under specific circumstances may cover stays at a nursing home. Medicare covers a range of health services to beneficiaries in any living situation. However, like most health insurance plans, Medicare doesn’t pay for long-term care costs of residency at an assisted living […]
Medicare only covers medically necessary surgical procedures. Medicare defines medically necessary services as “health care services or supplies that are needed to diagnose or treat an illness, injury, condition, disease, or its symptoms – and that meet accepted standards of medicine.” Medicare further defines medically necessary services as ones that: Are proper and needed for […]
So how is that possible? To understand how $0 premium plans are possible, you must understand how Medicare Advantage plans are paid. There are two parts to how Medicare Advantage plans get paid. The first is the premium members pay; how the premium is depends on the benefits of the plan you purchase. It can […]
Each Medicare Part D plan has a list of covered drugs that are called a formulary. Within every formulary, there are a set of rules applied to the prescription drugs covered by the plan. One of those rules is called step-therapy. If you get a prescription for a medication that has step-therapy rules, there is […]
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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.