Medicare Insurance Center

                  Late Enrollment Penalty ?

         Those who were born between 1943 & 1954, their full
         retirement age is 66, according to the Soc. Sec. Admin,
         but generally, people must sign up for Medicare at 65.

         You are first-eligible to enroll into Medicare 3 months
         prior to your 65th Birthday. Typically, you're late when
         you wait more than 3 months past your 65th Birthday.

         If you turn 65, while covered under an employer plan,
         compare the benefits, or just call us to help sort it out,
         because you may enroll into a Medicare plan anytime,
         but you may not be able to re-enroll in the work-plan.
          Contact a Medicare Advisor.

Medicare Supplement Plans - are design to cover
some of the out-of-pocket expenses that original
Medicare doesn't cover, such as; premium costs,
deductibles, co-insurance costs and co-payments.

Medicare Insurance Center
Medicare Supplement & Prescription Plan

Everyday, somebody is turning 65 or retiring from a job,
and they need help deciding on on a 'Plan' and that's where we come in...

Many times, when people become Medicare eligible, they have a lot of questions.
Medicare has many moving parts, that can sometimes can be a little confusing, but
what a consumer really needs - is to talk with a certified Broker that can explain how
medicare plans work and go over the options that are available to them, or look-up
their prescription medications, to make sure they're covered, or help find a network
primary-care physician, and also help complete the Medicare enrollment application.

   Medi-Gap and Medicare Advantage Plans

- Medicare Advantage combines Part A & B coverage and
many plans also includes prescription drug coverage, and
routine dental, vision, and hearing, and gym membership.

- Medi-gap plans help with some of the out-of-pocket cost
   such as premiums, deductibles, co-insurance, and co-pays,
   plus offer the flexibility of going to any doctor that accept
   medicare without a referral from a primary-care physician.

Supplement Plan - guarantee issue period

Trial Rights - are for the first (6) months that a person
becomes eligible for Medicare Benefits, regardless of
any previous conditions or medical history. Applicants
simply skip the medical underwriting questions, when
enrolling completing the supplement plan application.

                  2021
       Medicare Changes

   - Part B deductible is $203
   - Part A deductible is $1,484
   - Part B premium is   $148.50
   - C & F Plan (ineligibility @ 1/1/21)
- Part D Savings (insulin @ $35 mo)
       2021 Changes - more details.