Enrolling into Medicare and finding a Medicare Supplement plan can be confusing, but I will make it easy. Getting educated about Medicare and the secondary coverage available to you is the first step in learning which Medicare Supplement will suit your needs best. It cost you nothing to use a Medicare expert to help you navigate the medicare maze, but it could cost you a lot if you make a bad choice on your own.
Because the Medicare system is standardized, Medicare Supplement coverage is identical with all companies. The only difference between companies is price and service. That is why it is so important to use a local independent agent that has your best interest and can help you find the right plan.
If you will use my Route 65 Medicare savings road map you will get there with ease at the lowest possible cost. All you need know is remember the Medicare BADGE acronym and follow the Route 65 savings plan.
B = Medicare Part B
Contact Social Security at (800) 772-1213 three months before you turn 65 to apply for Medicare Part B. Enrollment ends three months after the month in which you turn 65. Part B provides necessary services include doctor’s services, lab and diagnostic services, preventive services, chemotherapy, radiation, dialysis and more. Most people will pay $104.90 each month for Medicare Part B.
A = Medicare Part A
You will automatically receive your Medicare Part A card a few months before you turn 65. Part A has no premium as long as you or a spouse has worked 40 quarters (10 years) over your lifetime in the U.S. Part A coverage includes inpatient hospital coverage and skilled nursing facility coverage after a hospital stay.
D = Medicare Part D
Medicare Part D is prescription drug coverage. To enroll in a Texas Medicare Part D plan, you can simply go to www.medicare.gov and inter your current medications. It will show you the Part D plans that will be the most cost effective for you based on your medications. Then simply sign up for the plan you want.
G = Supplement Plan G
Texas Medicare Supplement Plan G is one of the most popular and cost effective plans. It covers almost all of the gaps in Part A and B except for the Medicare Part B deductible of $147.00 and less expensive than more popular Plan F.
E = Education
Make sure to educate yourself on your options, deadlines, and cost. Take advantage of FREE help from your funny friendly local independent agent that has your best interest at heart. Everyone’s situation is different and may need a alternative solution than the one presented, so give me a call at (512) 656-9378 or come by my office for a FREE educational meeting.