Medicare

Congratulations, You made it. There are some things you will need to do even before you turn 65. Then you will need to make choices. We can help you through the process.

Click on the button above to call for a quote.

Over 65 Medicare Plans

 If you are reading this you are likely turning 65 and going on Medicare.  Congratulations!   Perhaps at this point the relentless sales calls have subsided. If you did not yet receive information from Medicare check out the official Medicare website to explore.    So get well educated before you sign any papers. We can help you do this. Just call us at 239-200-0411 and ask for an “Introduction to Medicare”. We will go over the following:

  1. Costs you can expect now and in the future.
  2. How to get started signing up and the step by step processes to complete.
  3. Important differences between Traditional Medicare and Medicare Advantage

 

Medicare Advantage *

Must stay within a provider network (HMO or PPO)

Subject to surprise billing

Must change plan if move

Plans can drastically change each year

Insurance Plan decides whether you get care  (managed care)

Can get in at any open enrollment

Can be as low as  $0 premium

Potential risk for having high out of pocket costs: High

Must be medically underwritten to enter traditional Medicare

Traditional Medicare (with Supplement or Gap plan) + part D

(FFS)  Choice of Medical Providers

Can keep plan if you move

Contract stays the same each year

Your doctor decides whether you get care

After 65, must pass through underwriting to get in

Supplements can be 150-200/month premium

Potential risk for having high out of pocket costs:  low

We are happy to discuss and educate you when you are ready.  This usually takes about 20 minutes and can be done by appointment.