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.
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:
- Costs you can expect now and in the future.
- How to get started signing up and the step by step processes to complete.
- 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
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.