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Different Parts of Medicare Insurance
Medicare is the federal health insurance program for people who are age 65 and older, certain young people with disabilities, and people with End-Stage Renal Disease, sometimes called ERSD.
Medicare Part A
Medicare Part A is the hospital insurance component of the federally administered Original Medicare program that provides coverage for inpatient hospital services, skilled nursing care, nursing home care, hospice, and certain home health care.
Medicare Part B
Medicare Part B is the medical insurance component of the federally administrated Original Medicare program aimed at diagnosing or treating conditions in an outpatient setting such as a doctor’s office or outpatient surgery center, preventative services, and things like durable medical equipment and limited outpatient drugs.
Medicare Part C
Medicare Part C is also known as Medicare Advantage plans or MA. They offer Part A and Part B benefits through a private health insurance plan approved by Medicare. These plans may include additional coverage such as prescription drug coverage, dental coverage, or health and wellness programs.
Medicare Part D
Medicare part D plans, also known as Prescription Drug Plans (PDPs), are stand-alone prescription drug plans that offer coverage for medication costs. They too are offered through private insurance companies contracted with Medicare.
Medicare Supplement
Medicare Supplements, sometimes called Medigap and MedSupp, are plans that help cover health-care costs that Original Medicare does not cover, including deductibles, copayments, coinsurance, and other out-of-pocket costs.
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Affordable Medicare Health Insurance
We offer all of the top rated Medicare Supplement and Medicare Advantage plans available in Michigan. If you are over the age of 65, and paying too much for your Medicare Health Insurance, then you need to contact for a FREE, no obligation, quote.
Affordable Dental Insurance
We offer all of the top rated dental insurance and discount dental carriers available in Michigan. Give us a call for a FREE, no obligation, quote.
Affordable Life Insurance
Just because you turn 65 doesn’t mean you don’t need Life Insurance! We offer all types of Affordable Life Insurance, Term Life, Whole Life, Universal Life, Burial Policies, Final Expense and Critical Illness plans. Don’t be financial burden on your family should something happen to you. Get Affordable Life Insurance Today!
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Applying for Medicare
When applying for Medicare it can be a bit confusing, intimidating, and down-right frustrating. But that’s how Medicare Quotes in Michigan is “Making Medicare Easy”! We help many Michigan Seniors sign up for Medicare every day and we can help you, too!
The Social Security office handles all Medicare application for your Part A and Part B. There are several options you can chose from to apply such as online, in the mail, or in person at the Social Security Office. We will go over those in greater detail later. If you are turning age 65 and aging into Medicare, you can apply as early as three (3) months prior to your 65th birthday which keeps you ahead of the game allowing plenty of time to get your new Medicare Card before your birthday.
This Medicare time period is call the Initial Enrollment Period (IEP) to enroll into Part A and Part B. Medicare is a separate application than Social Security income benefits application. Any person turning age 65 may apply for Medicare even if they are not ready to take their income benefits yet. By enrolling in your IEP you avoid any late penalties and there are no pre-existing waiting periods, as well.
How to Apply for Medicare
1) Apply Online for Medicare
Social Security has an online application that is very quick and can be completed in just minutes. Visit the Social Security website, link here, and follow the online directions on applying for Medicare. Remember that you do not have to be receiving income benefits to apply for Medicare.
To apply for Medicare and Social Security benefits together please visit: www.ssa.gov/benefits/retirement
To Apply for just Medicare please visit: www.ssa.gov/planners/retire/justmedicare.html
Applying online for your Medicare benefits is the easiest and quickest way to obtain your coverage. However, should you run into problems online due to incorrect information you may be required to call them or visit a local office.
2) Apply for Medicare by Telephone
Applying by telephone can be very easy , as well. You may contact the Social Security office at 1-800-772-1213 and let the Social Security representative know you would like to apply for Medicare by phone. Depending on the time of year, call volume may be significant. If so, they will schedule a call back and take your information over the phone then.
The downside to applying over the phone is that they will require you to sign the completed forms that will be mailed to you. This can cause delays in getting your Medicare in place.
3) Apply for Medicare in Person
You may feel more comfortable applying for Medicare in person at a local Social Security office. This option is most favored if you are turning age 65 very soon and need your Medicare in place quickly. To find a Social Security office near you visit: www.ssa.gov/locator
Please make sure to ask for a printout showing proof that you have applied for Part A and Part B so that you may be able to move forward with your Medicare Quotes in Michigan representative for your Medicare Supplemental Insurance and Medicare Part D prescription drug coverage.
Additional Medicare Coverage
Once you have your Medicare Part A and Part B in place you may opt to look at a Medicare Supplement or a Medicare Advantage plan. If you choose a Medicare Advantage plan, also known as Medicare Part C, this basically replaces Part A and Part B with benefits through a private insurer. These plans can include coverage for prescription drugs, dental coverage, and health and wellness.
A Medicare Supplement plan is coverage in addition to Part A and Part B typically covering your expenses beyond what Part A and Part B doesn’t cover with partially or in all. A separate Medicare Part D drug plan can also be added at your Initial Enrollment Period (IEP) or during the Annual Enrollment Period (AEP).
Our company, Medicare Quotes in Michigan, will help you determine which program best fits your needs both medically and financially. We offer many different options and health insurance carriers giving you the best selection and service from start to finish. We are Making Medicare Easy!
What You Can Do During Open Enrollment
What Can I do During the 2020 Medicare Open Enrollment Period?
-Change from Original Medicare to Medicare Advantage, or vice versa
-Choose a different Medicare Advantage plan
-Make changes to your current Medicare Part D coverage
-Apply for Medicare Part D, although a late enrollment penalty may apply
What Can't I do During the 2020 Medicare Open Enrollment Period?
-Enroll in Medicare Part B without a qualifying medical event
-Apply for Medicare Advantage Plans that are not in your geographic region
-Make changes between your Medicare plans without answering medical questions
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