Turning 65 can be intimidating. Especially when learning about Medicare. The good news, we’re here for your health. Connect with us at an information session to make an informed choice about your health care, one that makes the most sense for you and your health.
Start thinking about Medicare and the health plan that makes the most sense for you and your health.
Read about Medicare:
Does your work history, current or former partner qualify you for coverage?
What is Medigap?
A Medicare Supplement Insurance (Medigap) policy is extra health insurance that you buy from a private company to pay health care costs not covered by Original Medicare, such as co-payments, deductibles. Most plans do not cover prescription drugs you can purchase a Part D plan in addition to your Medicare Supplement plan.
Standard Medigap plans are labeled A through N and offer different levels of health coverage. Plans E, H, I, and J are no longer available to new subscribers.
Premiums vary among insurance companies, but the benefits of each standard Medigap plan are always the same. For instance, a Medigap Plan C policy offers set benefits no matter which company you buy it from.
Plan Your Enrollment
- Save the date for Open enrollment or initial enrollment (3 months before your 65th birthday)
- Make sure to enroll on time to avoid late fees
- Enrollment – Choose a plan that makes sense for you and your health.
- Confirm receipt of Medicare cards
Questions to Consider
- How well does the plan cover the services you need?
- How much are your premiums, deductibles, and other costs?
- How much do you pay for services like hospital stays or doctor visits?
- Is there a yearly limit on what you could pay out-of-pocket for medical services?
- Make sure you understand any coverage rules that may affect your costs.
- Do my current doctors accept the coverage I am selecting?
- Will I need referrals to specific specialties?
- What do your prescription drugs cost?
- Does the plan include the pharmacy that you use?
- Are your drugs covered under the plan's formulary?
- Are there any coverage rules that apply to your prescriptions?
- Does the plan you select have good quality ratings?