Where to find help when you are new to Medicare

Starting Medicare can be a bit confusing and a little help is always appreciated.  There are several moving parts to Medicare, different open enrollment periods and certain dates you need to be aware of.

If you are lucky, you’ve found someone to tell you the in’s and out’s and what to be aware of with Medicare, Medicare Supplements, Medicare Advantage plans and Medicare Part D Rx plan info.

It seems like a wave of info that doesn’t initially make much sense.  Most new medicare members have been on an employer health insurance plan for a good part of your life, and now you have Medicare starting in a few months and everything has been turned upside down.

First, you start receiving a truck load of mailers, periodicals, fliers and every kind of advertising piece from every company under the sun, pushing their Medicare Supplement, Medicare Advantage and Medicare Part D Rx plan.  Each company telling you why theirs is the best.

Medicare Advantage policies are big money makers, so companies are pushing them hard. Regardless of what is better for you, their agenda is to push the profit makers.

What’s better for your unique situation.  Are your doctors in-network? Would a Medicare Supplement be a better choice.  Does your Medicare Advantage drug plan pay well or poorly for your medication list?  What do you pay if you go out-of-network?  When medicare starts, how long do I have to enroll in any of these plans?

These are all questions you should ask yourself, because the Medicare companies don’t care.  It’s up to you to make the right choices.

Now getting back to that pile of marketing fliers and brochures on your kitchen table.  Where do you start, which is best for your needs.  Should you go with a Medicare Advantage or Medicare Supplement, what about the Medicare Part D Rx plans.

I can help you weed through this mess very quickly, right over the phone, and no obligation.  Brief explanations how the two systems work, the different enrollment periods and coverage’s.  Is Medicare “primary or secondary.”  If you need access to several doctors, which plans are work best in this situation, and which has the most flexibility when seeing different providers.

You have 3 choices when Medicare starts …
  1. Stay on original Medicare only and enroll in a Part D Rx plan.
  2. Enroll in a Medicare Supplement plan along with a Part D Rx plan.
  3. Choose a Medicare Advantage HMO or PPO which includes the Part D Rx plan from the same company.

If you choose a Medicare Supplement, you can always move to a Medicare Advantage during open enrollment.  The enrollment is guaranteed regardless of health history.  If you enroll in a Medicare Advantage and later wish to move to a Medicare Supplement, typically you will need to answer the health questions on the enrollment forms and the company decision is based on your health status.

Please feel free to reach out to me by phone (916) 682-1117 or email at john@johnconner.com or simply complete the brief information request form below.

John Conner

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Author: John

Medicare Options along with Individual and Group International Medical Insurance Options.