Free Medicare Tips For Seniors and Their Families
Turning 65? Cut Through The
Medicare Maze Now
(How To Take The Worry and Stress Out Of Medicare Planning)
You are not alone! Millions of older Americans are stressed out with the anxiety caused by Medicare enrollment.
The list below will make your head spin.
|Part A||Coverage Choices|
|Part B||Eligibility & Enrollment|
|Part C||Understanding Claims|
|Part D||Long Term Care|
The list goes on and on.
Don’t worry. I will simplify it all for you. My mission is to enable people to make good decisions. Don’t wade through all the publications, advertisements, websites, and insurance agents until you have read this information.
I mentioned earlier, I have a passion for helping people - especially seniors. Each day I get many questions about Medicare because the information out there is so confusing. Many people are feeling a great deal of stress in deciding what they want to do. Am I describing you?
This is NOT the time in your life you should be stressing out about your Medicare choices. Use my experience and my resources to make the best choice for your Medicare coverage.
My mission is provide Medicare information in a simple to understand format. My philosophy is the golden rule. I will always treat you with honesty and integrity.
I have created this website to SIMPLIFY Medicare for everyone. Use the navigation bar at the top of this page to find the information you need to make informed decisions.
The site has a list of the most frequently asked questions (FAQ’s) from those soon turning 65 and also from those already on Medicare who want to explore their options for changing their coverage.
Also included is a list of “should have asked” (SAQ’s) questions. These are questions that everyone should ask but few people do. You will find this section very helpful.
You are invited to ask your own questions and tell of your experiences which may be helpful to others. We also invite comments and tips from doctors on how they can provide better care for you within the Medicare system.
If you are not yet 65 but are already receiving social security, you DO NOT have to enroll in Medicare. You will automatically be enrolled on the 1st day prior to your 65th birthday. If you are born on the first day of the month, you will be enrolled on the 1st of the previous month.
You should receive your Medicare card about 90 days before your 65th birthday. If you don’t receive it by 60 days prior to your birthday, contact Social Security at 1-800-772-1213 for assistance.
After enrollment, you still need to choose your plan.
If you are already receiving your Medicare benefits and want to make a change in your coverage, you must make the change between Nov 15 and Dec 31 of 2010.
With this short range of dates falling in a busy time of year, you had better make the right decisions. Obtaining good information is more important than ever before.
Medicare insurance coverage and Medicare supplemental coverage is available from many sources.
Insurance Companies – They offer their own plans in a “one size fits all” format. They offer many options within their plan. Their representative may or may not be knowledgeable depending on the company. The representative is definitely trying to sell the products of the one company they represent. He or she is compensated by how well they enroll seniors into their Medicare product(s)
Agents – Insurance agents may have private offices representing one insurance company or they may work for brokers and represent multiple companies. The trouble with agents is that most are primarily life and health insurance agents who don’t specialize in Medicare.
Brokers – When it comes to Medicare, there are brokers who specialize in Medicare. These brokers make the most valuable resource for you when you make your Medicare decisions.
Through experience, brokers learn how several companies handle issues and how they treat their customers. A good broker will steer you away from companies who are notorious for poor service.
Brokers have to contract with each company individually. They also have to be trained and certified each year. Brokers carry their own Errors and Omissions insurance (E & O) to protect you in the unlikely event they give you poor advice.
I am an insurance broker specializing in Medicare.
If I provide you with the best possible FREE information about your Medicare choices, you may consider me the best broker for your Medicare needs. I only represent the very best companies. By representing several companies, I can customize your Medicare coverage to fit your needs.
By putting your trust in me, you will receive my valuable 18 years of experience and the PROMISE that I will always treat you with the utmost honesty and integrity. It is not only a promise but a guarantee.
The Medicare process is easy if you have the right information – don’t be stressed!
Be sure and review the FAQ and SAQ (should have asked questions) sections.
My personal guarantee is to give you all the information you need to make the right Medicare choice for you.