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Posts from the ‘Medicare’ Category

The Most Important Fact To Know About Medicare

If you do not enroll in a Medicare Supplement when you first go on Medicare, you may never to able to get one.

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Medicare’s Enrollment Timeline

If you do not enroll in a Medicare Supplement when you first go on Medicare, you may never to able to get one.

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Choose the Medicare Supplement Company …Not the Initial Price

Almost every day I receive a request from someone who is about to go on Medicare to provide them with Medicare Supplement quotes for their area.

While I am happy to do this, I always feel the quotes I am providing to them are misleading.

The reason for this is there is virtually no relationship between the monthly premium you pay for a Medicare Supplement at age 65 compared to other carriers and what you will pay over the course of your lifetime.

In many situations, the Medicare Supplement carrier with the lowest premium at age 65 will cost much more than other carriers both in the near future and the rest of your life.

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“I Wish I Had Talked With You Sooner”

I talk with many people every day about their Medicare situation.

In most situations, the people I talk with are about to go on Medicare so they still have the opportunity to choose a Medicare plan that will give them maximum access to the health care they may need now or in the future while having their costs paid 100 percent.

However, I often talk with people who are already on Medicare and who may not have realized the fact that bad Medicare choices can be permanent and irreversible.

Such a situation happened last week. A gentleman named Roger called me from Atlanta who had left regular Medicare when he turned 65 two years ago and enrolled in a private, for-profit Medicare Advantage plan from Humana.

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Enrolling In Medicare Online

In today's internet-savvy world many people prefer to make their own decisions about Medicare without feeling pressured by someone on the phone or even a stranger sitting at their kitchen table.

The good news is you can do just that with all four major parts of Medicare - Medicare Parts A and B, your Medicare Supplement and your Medicare Part D Drug Plan.

To enroll in Medicare Parts A and B - or Medicare Part A only - all you need to do is go to www.socialsecurity.gov.

You can click on the following link to get detailed instructions on how to enroll

Click here for instructions for enrolling in Medicare online

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What Does “Covered” Mean?

September is the month in which I go through training for the upcoming Medicare Annual Enrollment Period and 2019 calendar year.

It usually takes around a week to take the courses and pass the tests required to verify that I know what I need to know to help people who are going on Medicare understand how Medicare works and what their options are with Medicare.

This year one phrase in the training stood out because it discussed a very deceptive part of Medicare Advantage plans.

As you probably know if you have read any of my writings, I strongly believe Medicare Advantage plans are one of the most deceptive and harmful ideas the government has ever allowed to be perpetrated on the American people.

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The Medicare Musical Chairs Trap

I received a call from Bruce in Ohio last week.

Bruce is 69 years old and was diagnosed with Atrial Fibrillation two years ago. He has only had two episodes of an irregular heart beat and feels he has the condition well-managed with a medication called Xarelto.

The reason Bruce was calling was the Medicare Supplement he had chosen when he turned 65 had increased its premium nearly 50 percent in four years.

Charles Bradshaw
Unfortunately, Bruce was now unable to leave this plan for a less-expensive Medicare Supplement because the Atrial Fibrillation caused him to be declined when he applied for a different Medicare Supplement.

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Choose the Medicare Supplement Company …Not the 1st Year Price

Almost every day I receive a request from someone who is about to go on Medicare to provide them with Medicare Supplement quotes for their area.

While I am happy to do this, I always feel the quotes I am providing to them are misleading.

The reason for this is there is virtually no relationship between the monthly premium you pay for a Medicare Supplement at age 65 compared to other carriers and what you will pay over the course of your lifetime.

In many situations, the Medicare Supplement carrier with the lowest premium at age 65 will cost much more than other carriers both in the near future and the rest of your life.

Read more