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Medicare Cheat Sheet & FAQ
What Is Medicare and What Does It Cover? Medicare is federal health insurance for people 65 and older, on disability, and people with End Stage Renal Disease. Medicare consists of 5 Parts; A, B, C, D and Medicare Supplements. Part A covers you when you're hospitalized, Part B covers you at the doctor & for other outpatient care. Part C is when you get your Medicare through a private insurer. Part D is prescription coverage for medications filled at the pharmacy. Medicare Supplements help you pay for Part A & B medical costs.
What Is The Advantage Of Working With Lone Star Medicare? Medicare can be confusing and the government doesn't directly provide you with all benefits. So, you have choices to make and things to do. As a top independent agency, we are a one stop guide and resource to help make your life easier. You get the coverage you need and save money. There are also no fees or costs for you, it's a win win.
What Costs Are Associated With Medicare? Medicare has 2 types of costs; Monthly premiums and medical cost sharing. A premium is the cost you pay to have the coverage, typically monthly or quarterly. Cost sharing is what you pay when you have medical care. These are items such as deductibles and copay's. The standard monthly premium you pay for Medicare in 2021 is $148.50. This premium can be higher based on your income. Your out of pocket medical costs vary depending on the type of care you're receiving.
What Other Coverage Can I Have With Medicare? There are two ways to have your benefits with Medicare; Original Medicare A & B or Part C (also known as Medicare Advantage). You cannot have both and you must choose between the two. If you have Original Medicare A & B you can also have a Medicare Supplement policy and a "Stand Alone" Part D prescription plan. Medicare Part C typically includes all of your benefits in one plan ( Including A, B, & D). It may also include extra benefits like dental and vision.
When Am I Eligible And When Should I Sign Up For Medicare? You are eligible to start Medicare the first day of the month that you turn 65. If you are receiving Social Security payments before turning 65, you are automatically enrolled in Medicare and don’t need to apply. If you are not receiving Social Security payments, you will need to apply for Medicare. You can apply 3 months prior to the month you turn 65. If you are over the age of 65 and deferred your Part B because you have employer insurance; You can apply for Medicare anytime and choose when it will take effect.
How Do I Enroll In Medicare? There are 3 ways to enroll; 1. Apply Online through the Social Security website. 2. Call the Social Security Administration at 1-800-772-1213 and schedule an appointment to enroll by phone. 3. Enroll In Person - You can walk in to your Social Security office and apply. To schedule an appointment at your local office call them or the main Social Security number listed above or on their local number.
About Your Agent
Since beginning his career as a Licensed Insurance Agent, Ben Rodriguez has personally helped over 1,000 Medicare recipients. He has a degree in Business Finance from Kent State University and has acquired over 15 years of experience in financial services & insurance. Having a close relationship with his parents and grandparents has made him in tune to the needs of boomers and seniors. Ben is known for his professionalism with a personal touch that he brings to each of his clients.
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An email or mailed packet will be delivered to you after your call so that you can save and review the info.
Our service and information is always zero cost to you. Assistance is provided with no obligation or pressure. See why hundreds of folks all over Texas use us each year and give us high ratings.
We are an independent insurance agency that hundreds of Texans trust & rely on for their Medicare benefits. We specialize in Medicare Supplements, Medicare Advantage (Part C), Part D, and Dental & Vision plans. Our service is designed to be a one stop shop to make it easy to get your best value coverage. We are based in Austin, TX and offer plans in the entire state. Our services are provided to you conveniently by phone & online.
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