Turning 65? Here is What You May Need to Know...

 

If you are turning 65, you should have received your Medicare card, or you will be getting it very soon. You should automatically recieve your card about 3 months before you are eligible (i.e. before turning 65).

What is Your Initial Election Period?

When turning 65, you are eligible for what is called the "Initial Election Period." Here is why that is so important:

During your Initial Election Period, beginning 6 months before you turn 65, you are eligible to get a Medicare Supplement Plan... Guaranteed Issue.

What this means is that you cannot be denied coverage for any reason (except if you have kidney failure).

Practically speaking, you could be overweight, with advanced diabetes, or even on your deathbed with a dread disease, and you cannont be turned down.

When your Initial Election Period is over, this will no longer be the case. Once your window closes, you will have to answer all the medical questions, and you might not qualify for a Medicare Supplement.

What is a Medicare Supplement?

A Medicare Supplement pays for medical costs that are not covered by Medicare.

Medicare does not pay for everything. With Medicare alone, if you get really sick (and who doesn't at some time?), you will end up paying a percentage for many of your medical costs. You could be responsible for 10's of thousands of dollars in medical costs that you will have to pay.

The good news is that Medicare Supplement insurance is very affordable. Because it is only supplemental insurance, the premiums are usually within reach of most people.

But really, you need to act now. We can help you compare rates and find the lowest rate in your area that is best suited to your needs.

Frequently Asked Questions about Medicare Supplement Insurance

1. Why can't I just compare online and apply online?

Sadly, most companies that offer Medicare Supplement Insurance will not publish their rates online. It seems silly to us also, but that is the way it is.

Here is what will happen if you insist on doing it all yourself (guaranteed). You will go to a website that makes that promise and you will fill out a form.

Most websites that promise you online comparisons will sell your information to 10 different agents! You will be bombarded with calls and emails, which will only make the process more stressful and frustrating.

Why not work with a trusted brokerage, like Medicare National, that can compare all of the rates, from all of the companies in your area and find the lowest rates. We will never ever, sell or rent your information to anyone and we always work to find what is in your best interest.

2. What if I don't like my insurance company and I want to change later?

At Medicare National, we do an "annual review" of your policy to find out if you could save more with another company later (companies change their rates periodically). If we find a plan, or if you simply want to change plans, we may be able to help you find better coverage for you.

After your Initial Election Period, this does of course depend on your health, which is why it is so important to get good advice from experts in the first place.

3. Does a Medicare Supplement pay for prescription medications?

Prescription medications fall under a different part of Medicare, called Medicare Part D. You do need to get a separate plan for Part D, but again, the good news is, the premiums are very low and affordable.

We can also compare Part D plans to make sure you get the one that is right for you.

Go now to get your Medicare Supplement quote. Even if you are 8 or 10 months away from turning 65, we can give you the quote and then send you a reminder when your window of opportunity opens up.

At Medicare National, we offer NO pressure and NO sales pitch. Our customers trust us because we offer outstanding service and we do everything we can to help you find out what is in your best interest. We represent all of the major inusrance companies and we can help you shop for the best plan at the lowest rates... guaranteed.

Click the banner below to get started. If you want immediate help, call us at 1-877-7-MEDIGAP (877-763-3442).

 

P.S. Here are the two greatest benefits that you get with a Medicare Supplement:

1) Freedom! A Medicare Supplement Plan gives you the freedom to go to any doctor, hospital or provider that accepts Medicare. You are not restricted to a network, or geographical location.

2) Predictability... With a Medicare Supplement Plan, your medical costs are very predictable. With a Plan F for example, for the most part, your cost for medical care is your Part B premium (usually deducted from your social security check) and the monthly premium for your Medicare Supplement Plan. In addition to this, you may have a small premium for your Part D plan, which covers prescription drugs.

P.P.S. Many of our customers ask us about Medicare Advantage Plans

Medicare Advantage Plans are private insurance plans that work "instead of" Original Medicare. Most Medicare Advantage Plans work with a network (such as an HMO or PPO).

With this type of plan, you are normally restricted to use the doctors and providers approved by the plan.

Why do some people choose a Medicare Advantage Plan?

1) Lower Premiums. In some cases, a Medicare Advantage Plan may have a zero monthly premium. This does not mean there are no costs. With a Medicare Advantage Plan, you may have to pay co-insurance, co-pays and deductibles.

2) Many Medicare Advantage Plans also include part D prescription drug coverage with the plan.

For some people, a Medicare Advantage Plan may be a good option, and we can talk to you about this type of plan if you are interested.

We make Medicare... Easy! If you want to talk to a representative, you can call us toll-free at: 1-877-7-MEDIGAP (877-763-3442)

Get a Medicare a Medicare Adavntage Quote Now

 

 

Testimonials   "You were so helpful in finding the right Medicare Supplement for me, at just the right price. You helped me save $42 per month!" Joyce J. Denver, CO "Thank you for your great service! I was very confused about Medicare and you guys answered all my questions and helped me get the best insurance for my needs." Lawrence S. Fort Worth, TX   When I shopped around for a Medicare Supplement, everybody tried to pressure me into buying this or that plan. Thank you for really helping me without all of that pressure. I will be telling all of my friends about you." Martha M. Akron, OH   "I wish every company could be like you guys. Amy really helped me to understand what I needed. Thank you!" Alice A. Beaumon, CA