Common Medicare Questions | Independent Medicare Advisors Near Me

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Medicare is an enormous life change and milestone that comes with its share of complications. It’s not always easy to know what your entitlements are, as well as your options for different coverage. That’s why connecting with independent Medicare advisors near me is a great way to get the help you need to find the perfect plan.

Before you start searching for independent Medicare advisors, it’s important to understand some fundamentals about Medicare coverage. Let’s review some frequently asked questions.

What Is Medicare And How Is It Broken Up?

Medicare is a federal program that covers U.S. citizens and legal residents 65 and over by providing health insurance. In order to be eligible for Medicare, you have to have lived in the U.S. for at least five years. In addition to citizens 65 and over, those suffering from End Stage Renal Disease, ALS, Lou-Gehrig’s disease, and other qualifying disabilities can also receive Medicare.

Medicare has four parts: A,B,C, and D. Part A is based upon a person who has a minimum of 40 hours of work history with Social Security, while Part B usually has a premium and is optional. Medicare Part C is usually called Medicare Advantage, and bundles parts A and B of Medicare. Medicare Advantage often has no premiums and includes prescription drug insurance. Medicare Part D is provided by private insurance companies that have contracts with Medicare.

These are only the basics of Medicare A,B,C, and D. Independent Medicare advisors can break down the specifics of these individual parts, and how they affect you.

What Do I Do When I Turn 65?

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As mentioned, those 65 and older are eligible to receive Medicare. If you are already enrolled in Social Security, when you turn 65 you will automatically receive parts A and B of Medicare. You should receive a Medicare card in the mail about 3 months after you turn 65. If you don’t, talk to independent Medicare advisors.

If you are not receiving social security, then you will have to enroll in Medicare. It’s good to do this in the 3 months before you turn 65. There is a federal website, ssa.gov, that will help you get started with enrolling in Medicare. However, one of the easiest ways to get started is to connect with independent Medicare advisors in your area so they can help you take the necessary steps. They’ll ensure you get the coverage you need and are entitled to.

What If I’m Under 65?

If you are under 65, you may still qualify for Medicare benefits if: you are entitled to SSD for at least 24 months, you receive a disability pension from the Railroad Retirement Board, you have ALS, or you have ESRD.

If you are living with a disability, it’s stressful to try and navigate the Medicare system. After all, there are prescriptions you need to take care of, doctors appointments that need scheduling, and potentially specialists you need to see to stay as healthy as possible. That’s why it’s important to connect with independent Medicare advisors. Independent advisors work with your interests in mind, not the interests of an insurance company. They will ensure you get the care and coverage you need, and that you are entitled to.

While it is a life milestone, enrolling in Medicare isn’t always easy. Don’t go about it alone! If you have independent Medicare advisors by our side, you ensure that you have professionals looking out for you who can help you find the best coverage possible. Connect with independent Medicare advisors today.

By Published On: October 6, 2021Categories: Medicare and Medicaid

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