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  1. Debra, you should stay with regular Medicare and enroll in a Medicare Supplement to pay all of the costs that Medicare does not pay. A Medicare Advantage plan is never a good idea because you can be forced to pay tens of thousands of dollars if you become sick and none of us – including your husband – know what our health may be in the future. In addition, with a Medicare Advantage plan you will have a limited choice of doctors and hospitals instead of being able to choose the doctor or hospital you think gives you the best chance for the best health outcome. For you, given that you have some health issues now, staying on Original Medicare with a Medicare Supplement is very much your best option. I recommend a Plan G Medicare Supplement from Mutual of Omaha. With Plan G you pay an annual deductible of $147 and nothing else the rest of the year. I also recommend your husband do the same when he can switch at the end of the year. You can enroll in June for your December effective date. Simply call me at (800) 385-9160 ext. 1 or email me at chbradshaw@gmail.com and I will be happy to help you. Charlie

    Like

    February 21, 2015
  2. Terry Quick #

    How much do you charge for this?

    Like

    July 8, 2015
    • There is no charge. I am compensated by which ever Medicare Supplement carrier you choose. However, you do not pay any more because you work with me.

      Like

      July 10, 2015
  3. Debbie Winfrey #

    My name is Debra Winfrey im 64 years old, draw Social Security from deceased husband $ 1265.00 . My BDay is 2/27/52, dont smoke, my zip code is 76471. When should I apply for Medicare & which one should I choose? Im still working, Ins. United Health Care cost monthly 565.00 through job, they pay half.

    Like

    May 24, 2016
  4. Debbie, you will be automatically enrolled in Medicare Parts A and B to take effect in February 1, 2017. You should receive your Medicare card in the mail around the middle of October. It will arrive in an enveloped with a return address of the “Center for Medicare and Medicaid Services.”

    Your best option is to combine Medicare with a Medicare Supplement and a Medicare Part D drug plan. You will spend less overall than with your existing Employer coverage and have better coverage.

    First, while there is no monthly charge for Medicare Part a which covers primarily hospitals and skilled nursing, the government will deduct $121.80 per month from your Social Security check for Medicare Part B. Medicare Part B covers all medical costs not covered by Part A such as doctor visits, x-rays and labs, sophisticated diagnostic testing such as MRIs, outpatient services and physical therapy.

    I recommend a Plan G Medicare Supplement from Aetna. With Plan G, you pay an annual deductible of $166 and after paying this once-a-year deductible all of your medical costs are covered 100 percent.

    At this time, a Plan G Medicare Supplement from Aetna has a monthly premium of $92.38.

    You can enroll in this plan beginning August 1, 2016 to take effect on February 1, 2017.

    You will also need a Medicare Part D drug plan which should cost $20-$25 per month depending on your specific list of medications.

    We are happy to assist you with these enrollments.

    Simply call us at (888) 549-1110 or email charlesbradshaw@mymedicareanswer.com.

    You can also click on the following link to schedule a 30-minute consultation

    https://www.timetrade.com/book/YW12C

    Thank you for allowing us to assist you with your Medicare.

    Charlie

    Like

    May 29, 2016
  5. Vernon, please call me at (888) 549-1110. You can also email me at charlesbradshaw@mymedicareanswer.com.

    You can also click the following link to set up a free 30-minute consultation to go over your Medicare options.

    https://www.timetrade.com/book/YW12C

    I look forward to hearing from you soon.

    Charlie

    Like

    May 29, 2016
  6. Debra maddox #

    I received SS already and am employed part-time. I checked the SS site and I’m set to received Parts A and B in February 2018. However, my husband is 10 years younger than me and employed by State of Florida and I want to remain on his health policy and not have to pay for medicare part B. What do I need to do?

    Like

    October 4, 2017
    • You will receive your Medicare card in around two weeks.

      Included will be instructions on how to decline Part B. Simply follow those instructions.

      Please me aware there are some disadvantages to delaying Part B in Florida. Florida is an “issued-age” state in terms of the cost of Medicare Supplements.

      If you wait until you are in your 70s to enroll in a Medicare Supplement, you will pay a higher price the rest of your life than if you enrolled at age 65.

      The difference is around $4 or $5 more per month for every year that you wait.

      I am not recommending you change your intended decision based on this but I wanted to make sure your knew.

      Charlie

      Like

      October 4, 2017

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