Understanding how Medicare works can be overwhelming... please contact me and I am happy to help you find YOUR best medicare solution!
Ask me to explain the ABC's of Medicare for a clear picture before you make a decision on a plan, or if you need to know the difference between an HMO or a PPO
I can also help you understanding deductibles and the coverage gap (donut hole)
Call me at 713.398.4724 and I can help you find a plan in Texas. If you are moving out of state, and you are on a Medicare Plan you might have to switch plans. Call me if you need help, or just advice.
Dedicated to you and all your different insurance needs. Our firm is one of the top agencies in Texas. I am glad to be part of a great team on the cutting edge of health insurance and medicare. We are always in the know with continuing education and constantly changing laws, regulations and plan changes with all of the different insurance carriers that we represent.
Most Americans become eligible for Medicare when they turn 65. What you need to do to get Medicare depends on whether you are receiving Social Security retirement benefits. If you are 65 and receiving Social Security retirement benefits or Railroad Retirement benefits, you will be automatically enrolled in both Medicare Part A and Part B. If you are 65, but not receiving Social Security retirement benefits or Railroad Retirement benefits, you will need to actively enroll in Medicare. To actively enroll, contact your local social security office.
If you are still working after you turn 65 (or your spouse is still working) for a company with 20 or more full-time workers and you get health insurance from them, you may not need to enroll in Medicare when you turn 65. You can delay Part B and Part D and get them later on when you retire or if you lose your job-related insurance. You can enroll in Part A because it is free but it probably won’t pay much towards your healthcare cost because Part A pays after your job insurance.
Under Federal law when you first enroll in Medicare Part B at age 65 or older, you have a guaranteed right to buy a Medicare Supplement policy for six months. Your acceptance is guaranteed and pre-existing health conditions are covered immediately. After your Open Enrollment period ends you can apply for a Medicare Supplement later at any time, but you may be charged a higher rate or could be denied coverage if you have serious health issues. This maybe your only chance to get a Medicare Supplement without having to go through medical underwriting.
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