Senior Insurance Advantage

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.

Also known as Medicare Advantage, the Part C program is a form of managed care that allows Medicare beneficiaries to get their Parts A and B benefits through a private insurance plan and its network of providers. Many Part C plans offer a built-in Part D drug plan.

If you’re getting close to 65, you’ve probably heard Medicare is right around the corner. Most people become eligible to enroll in Medicare when they turn 65, and this window is referred to as your Initial Enrollment Period (IEP).

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.

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.

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

Quick Tip: Original Medicare consists of Part A and Part B, which are your hospital and medical benefits, respectively.

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