McShane Insurance

Let us educate you on your options: Independent agents can also provide personalized guidance by explaining complex insurance options in simple terms and helping you avoid gaps in coverage.

Medicare Supplements only pay after Medicare pays its share first. If Medicare approves a claim and pays the part that Medicare owes, it will forward the remainder of the bill to your Medicare Supplement.

At age 65, you are eligible for Medicare, regardless of whether you are already taking Social Security income benefits. Some people also qualify for Medicare earlier than 65 due to a disability or illness.

Medicare Supplement plans do not require referrals, allow you to see any provider that accepts Medicare, require separate Part D plans, and only have a one-time Medigap Open Enrollment window.

Reminder To Be Careful: Scammers use several different tactics to try and scam Medicare beneficiaries and make attempts by phone or email.

Reminder: Medicare Exclusions are items or services that Medicare does not cover, such as most prescription drugs, long-term care, and custodial care in a nursing or private home.

To cover all your bases, if a doctor or specialist says they accept Medicare, go a step further and confirm whether or not they accept Medicare Assignment. This confirmation can provide you with some peace of mind and ensure there will be no hiccups when needing services or treatments in the future.

Fast Fact: While the Medicare Annual Wellness Visit is not mandatory, it is a 100% covered preventive service.

Medicare can feel overwhelming at first, but once you understand the different parts, the process becomes much easier to navigate.

Your Medicare Annual Wellness Visit is an important opportunity to review your health and create a personalized prevention plan with your doctor.