Tag: when should i enroll in medicare part b

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

As a reminder, if you are collecting Social Security four months prior to the month in which you turn 65, you will be automatically enrolled in Medicare Parts A and B and will only need to enroll in a Medicare Supplement and Medicare Part D Drug Plan.

2019-08-16 Charles Bradshaw
Charles Bradshaw

In this case your Medicare will begin the 1st day of the month you turn 65 unless your birthday is actually on the 1st of the month. If your birthday is on the 1st of the month your Medicare will actually begin the 1st day of the previous month.

To enroll in your Medicare Supplement, simply click the following link to enroll in a Mutual of Omaha’s Medicare Supplement

Click here to enroll in your Mutual of Omaha Medicare Supplement

I recommend a Plan G Medicare Supplement.

In most states you can enroll in your Medicare Supplement up to six months before the 1st day of the month in which you turn 65. Of course, your coverage will not take effect until your Medicare A and B takes effect.

Finally, you can enroll in your Medicare Part D Drug Plan by visiting Medicare’s PlanFinder Tool at the following link

Click here for Medicare’s PlanFinder Tool

Medicare’s PlanFinder tool allows you to enter your medications along with your preferred pharmacy and then shows you which Medicare Part D Drug Plan in your area will provide your medications at the lowest overall cost including monthly premium, annual deductible (if any) and co-pays for your medications.

You can then enroll in the Medicare Part D Drug Plan your choose directly from the website.

You can change your Medicare Part D drug plan every year during Medicare’s Annual Enrollment Period from October 15 through December 7.

You can learn any information you need about Medicare and get answers to your Medicare questions at MedicareAnswerCenter.com.

At Medicare Answer Center we appreciate the privilege of assisting you with learning about your Medicare options so you can make the right permanent Medicare decision.

Simply click the following link to schedule a free, no-obligation 30-minute Medicare consultation.

Click here to schedule your free, no-obligation Medicare consultation

Click here to message us via Facebook Messenger

Click here to request a quote for your Medicare Supplement from Medicare Answer Center

Click here to immediately download – Ten Most Asked Questions By People Going On Medicare

You can also call me at (865) 851-1120 or email me at charlesbradshaw@medicareanswercenter.com.

I look forward to talking with you soon.

Charles Bradshaw is President and Founder of MedicareAnswerCenter.com.

What Are Captive Medicare Agents? And Why you Should Avoid Them

As you go through the process of learning about Medicare and choosing a Medicare plan, there are different people you can talk to about your options.

It is an excellent idea to work with a Medicare agent who represents several different Medicare Supplement carriers. This agent will be able to focus on what is right for you.

A type of Medicare agent that you want to avoid is called a “Captive Agent”. A Captive Agent only represents one insurance carrier and usually can only offer one plan. They are almost always directly employed by an insurance company.

Unfortunately, Captive Agents will only be successful in the eyes of their boss if they convince you to enroll in the only plan they have to sell – even if it is not the right plan for your situation.

Captive Agents are often new to the Medicare Supplement business. They usually represent carriers who have higher prices, smaller policy holder bases and a higher likelihood to have higher than average price increases in the future.

A few even represent private, for-profit, restricted access Medicare Advantage which are almost never a good option.

2019-08-16 Charles Bradshaw
Charles Bradshaw

The carriers who employ these agents insist on them selling their product only for one reason – people who compare their product with major Medicare Supplement carriers such as Mutual of Omaha or AARP almost always choose the proven, more stable carrier.

Conversely, this is why carriers such as Mutual of Omaha and AARP are happy to have their independent agents offer products from other carriers.

If you are talking with a Medicare Supplement agent, the first thing you should ask her is who are all of the carriers with whom she has enrolled her clients in the last 30 days

If that list is only one carrier, you should politely thank her for her time and instead work with someone who represents many carriers.

At Medicare Answer Center we appreciate the privilege of assisting you with learning about your Medicare options so you can make the right permanent Medicare decision.

As you may have guessed, we represent all major Medicare Supplement carriers such as Mutual of Omaha, AARP, BlueCross/Anthem, Cigna and Aetna.

We will help you compare the different plan offerings and prices and well as the strengths and weaknesses of each company.

Once you make your selection, we will assist you with your Medicare Supplement and Medicare Part D drug plan enrollments and well as be available for you going forward to answer any questions, deal with any problems or assist you with your yearly Medicare Part D drug plan evaluation.

Simply click the following link to schedule a free, no-obligation 30-minute Medicare consultation.

Click here to schedule your free, no-obligation Medicare consultation

Click here to message us via Facebook Messenger

Click here to request a quote for your Medicare Supplement from Medicare Answer Center

Click here to immediately download – Ten Most Asked Questions By People Going On Medicare

You can also call me at (865) 851-1120 or email me at charlesbradshaw@medicareanswercenter.com.

I look forward to talking with you soon.

Charles Bradshaw is President and Founder of MedicareAnswerCenter.com.

p.s. If you know of someone who needs help with their Medicare, please share this with them.

Medicare’s Enrollment Timeline

It is important when you are approaching the age at which you are eligible to fully understand Medicare’s enrollment timelines.

There are two primary parts of Medicare – Medicare Part A and Medicare Part B.

Medicare Part A covers you if you go into the hospital as an in-patient or if you go into a Skilled Nursing Facility for rehabilitation.

Medicare Part B covers you for almost all other health services such as doctor visits, outpatient surgery and services, Emergency room care, x-rays, laboratory work, physical therapy, sophisticated diagnostic testing such as MRIs and some medications if they are administered in a medical facility.

When you become eligible for Medicare you can enroll in Medicare Part A only or Medicare Part A and B.

Medicare Part A and B together generally cover approximately 80 percent of your health care costs.

In most situations you become eligible for Medicare the 1st day of the month in which you turn 65.

As an example, if your birthday is November 25, 1954, your eligibility for Medicare begins November 1, 2019.

2019-08-16 Charles Bradshaw
Charles Bradshaw

An exception to this rule is if your birthday is on the 1st day of the month. In this case, your eligibility for Medicare starts on the 1st day of the previous month.

For example, if your birthday is February 1, 1955, your eligibility for Medicare starts on January 1, 2020.

If you are collecting Social Security four months before your effective date, you will automatically be enrolled in Medicare Parts A and B to take effect on your eligibility date.

In this case, if you are collecting Social Security you will receive your Medicare card in the mail around three and a half months before your eligibility date. If your eligibility date is January 1, 2019, your card will arrive in your mailbox around September 10, 2019.

Your card will be in a 4 X 6 white envelope with a return address of the U.S. Department of Human Services. Because you receive so much junk mail about Medicare many people do not realize this piece of mail is important and they throw it away.

If you do accidentally throw your Medicare card away, you can get a replacement by registering for an online account at www.medicare.gov.

If you are not collecting Social Security four months before your eligibility date, you can enroll online for either Medicare Part A or both Medicare Part A and B at www.socialsecurity.gov.

For details on how to enroll in Medicare online, please click on the following link

Enrolling in Medicare online

If you have credible health insurance through an employer, you can choose to delay Medicare Part B without penalty until the time you leave that coverage.

In this situation, you should enroll in Medicare Part A only unless you are contributing to a Health Savings Account. Once you enroll in Medicare Part A you are no longer eligible to contribute to an HSA.

If you do have coverage through an employer, you have the option of either staying on the coverage or leaving that coverage and going on full Medicare. You should compare your monthly premiums and potential out-of-pocket costs with your employer coverage to your costs with Medicare.

Please click the following link to learn more about comparing your employer coverage to your Medicare options.

Employer coverage versus full Medicare 

When you start full Medicare – Medicare A and B – you will need a Medicare Supplement to pay your 20 percent share of Medicare and a Medicare Part D drug plan to help you pay for any medications you currently take or may be prescribed in the future.

At Medicare Answer Center we appreciate the privilege of assisting you with learning about your Medicare options so you can make the right permanent Medicare decision.

Simply click the following link to schedule a free, no-obligation 30-minute Medicare consultation.

Click here to schedule your free, no-obligation Medicare consultation

Click here to message us via Facebook Messenger

Click here to request a quote for your Medicare Supplement from Medicare Answer Center

Click here to immediately download – Ten Most Asked Questions By People Going On Medicare

You can also call me at (865) 851-1120 or email me at charlesbradshaw@medicareanswercenter.com.

I look forward to talking with you soon.

Charles Bradshaw is President and Founder of MedicareAnswerCenter.com.

p.s. If you know of someone who needs help with their Medicare, please share this with them.

Real Medicare Versus Private Medicare

2019-08-16 Charles Bradshaw
Charles Bradshaw

I would like to ask you a very simple question that will help you decide how you will receive and pay for your health care for the rest of your life.

Which of the following two goals is most important for you and your family:

1) To be able to get the best health care possible from the doctors or hospitals I believe give me the best chance for the best health outcome with little or no unplanned cost.

Or

2) To help make a big insurance company like Humana more profit and their executives richer even if it means cutting back on my health care and reducing my chances of getting well if I have a serious health problem.

I don’t believe anyone is going to select #2.

However, if you permanently sign over your Medicare benefits to a private Medicare plan such as Kaiser or Humana, you are potentially placing your health care for the rest of your life in the control of a company who will ration your health care if you become sick to maximize their profits – even if doing so reduces your chance for the best health outcome.

This happens because a private, for-profit Medicare Advantage plan operates under a much more restrictive set of guidelines when it determines what tests, treatments or surgeries it will approve.

There are many times real Medicare – also called regular Medicare or original Medicare – will approve an expensive procedure such as an MRI or a new, expensive cancer treatment when a private Medicare Advantage plan will say “no” in order to save money.

When you opt-out of real Medicare and enroll in a private Medicare plan, Medicare no longer pays your medical bills. Instead, the federal government sends your Medicare dollars to the private company who somehow convinced you it was a good idea to let them make your health care decisions instead of you and your doctor.

Every time a private Medicare Advantage plan says “no” to an expensive medical procedure when real Medicare would have said “yes”, the private plan increases their income while decreasing your chance for the best health outcome.

Sadly, if you opt-out of real Medicare for a private Medicare plan, your opportunity to change your mind later will be either extremely limited or possibly non-existent. This is because leaving a private Medicare plan and returning to real Medicare with a Medicare Supplement that pays your share of Medicare almost always requires you to answer a lengthy list of health questions and verify you are in good health.

Fortunately, if you have not yet started Medicare, you can stay with real Medicare and enroll in a Medicare Supplement that takes effect when your Medicare starts without answering health questions. You will be approved for this wonderful coverage that allows you to choose any doctor or hospital anywhere in the country that accepts Medicare – as almost all do – regardless of your health and you will always be able to keep this coverage regardless of any health conditions you develop in the future.

If you have already opted out of real Medicare and assigned your Medicare benefits to a private, for-profit, restricted access Medicare Advantage plan, you can choose to return to Real Medicare during Medicare’s Annual Enrollment Period from October 15, 2018 through December 7, 2018. However, in most states, in order to qualify for a Medicare Supplement that will pay your share of Medicare, you will likely have to answer health questions and be in fairly good health.

At Medicare Answer Center we appreciate the privilege of assisting you with learning about your Medicare options so you can make the right permanent Medicare decision.

Simply click the following link to schedule a free, no-obligation 30-minute Medicare consultation.

Click here to schedule your free, no-obligation Medicare consultation

Click here to message us via Facebook Messenger

Click here to request a quote for your Medicare Supplement from Medicare Answer Center

Click here to immediately download – Ten Most Asked Questions By People Going On Medicare

You can also call me at (865) 851-1120 or email me at charlesbradshaw@medicareanswercenter.com.

I look forward to talking with you soon.

Charles Bradshaw is President and Founder of MedicareAnswerCenter.com.

p.s. If you know of someone who needs help with their Medicare, please share this with them.

Medicare Choices Today May Matter More Later

I have been privileged to help several thousand people who were going on Medicare understand their Medicare options so they could make the right Medicare decision for them.

While many people I help understand the long-term implications of the choices they make when they first go on Medicare, I often talk with someone who does not yet realize the Medicare choices they make when they first go on Medicare are often long-term rather than short-term decisions.

The conversation will often go something like this…

“Hi Charlie…this is Robert. I am turning 65 and going on Medicare next month. I need to decide what Medicare plan I need. I am in good health, take no medications and only see a doctor once or twice a year.”

If I were helping this same person with his property insurance, the same logic would go something like this…

Hi Charlie…this

2019-08-16 Charles Bradshaw
Charles Bradshaw

 is Robert. I just bought a new house and I need to choose a property insurance policy. I just looked out the window and my house is not on fire and it is not raining so I’m not worried about floods.”

The choice you make about how you receive your Medicare and which insurance company you trust with you health and finances can and often is a permanent decision that will impact you the rest of your life.

It is a decision that should be made not based on what your health happens to be today but what it could be in the future.

The reason for this is that after you have been on Medicare for only six months, your ability to change your decision is dependent on you not having any serious health issues. Of course, none of us knows what our health may be in the future.

A few years ago, I received a call from a lady in Tennessee who had enrolled in a private, for-profit Medicare Advantage plan. She wanted to pay less than she would by staying with regular Medicare and having a Medicare Supplement.

Though she had no health issues when she made this decision several years earlier, she had been diagnosed that year with Multiple Myeloma and had been forced to spend more than $10,000 out of her own pocket for medical treatment and medications.

She had called me to ask me to help her return to regular Medicare and get a Medicare Supplement that would pay her share of Medicare. I had to explain to her that because she now had a serious health problem she would be declined if she applied for a Medicare Supplement.

Her only choices were to stay with a Medicare Advantage plan and pay more than $10,000 a year out of her pocket or return to regular Medicare but pay her full 20 percent share of her medical costs. Either choice would require her to pay money that she simply did not have.

She told me that because she had chosen to leave regular Medicare and enroll in a Medicare Advantage plan, she would likely have to sell her house and move in with her daughter in another city in order to afford her costs with the Medicare Advantage plan.

When you first go on Medicare, you have the opportunity to secure your financial future and ensure the maximum access and choice in your health care for the rest of your life by simply staying with regular Medicare and enrolling in a Medicare Supplement that will pay your approximately 20 percent share of your Medicare costs.

If you choose instead to leave regular Medicare and enroll in a private, for-profit Medicare Advantage plan, you could end up paying tens of thousands of dollars more if you become sick and have limited choices of doctors.

I would appreciate the chance to help you understand your Medicare options so you can choose the right Medicare plan for you both now and in the future.

Click here to schedule your free, no-obligation Medicare consultation

I will assist you with every part of your transition to Medicare including:

  1. Fully understanding how Medicare works
  2. Understanding your Medicare options if you are still working
  3. Enrolling in Medicare Parts A and B
  4. Identifying the right Medicare Supplement for you
  5. Identifying the right Medicare Part D Drug plan for you
  6. Assisting you with enrolling in the Medicare plans you choose

At Medicare Answer Center we appreciate the privilege of assisting you with learning about your Medicare options so you can make the right permanent Medicare decision.

Simply click the following link to schedule a free, no-obligation 30-minute Medicare consultation.

Click here to schedule your free, no-obligation Medicare consultation

Click here to message us via Facebook Messenger

Click here to request a quote for your Medicare Supplement from Medicare Answer Center

Click here to immediately download – Ten Most Asked Questions By People Going On Medicare

You can also call me at (865) 851-1120 or email me at charlesbradshaw@medicareanswercenter.com.

I look forward to talking with you soon.

Charles Bradshaw is President and Founder of MedicareAnswerCenter.com.

p.s. If you know of someone who needs help with their Medicare, please share this with them.

“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.

2019-08-16 Charles Bradshaw
Charles Bradshaw

He had recently experienced a health scare with his heart. Because Roger was proactive with his health, he was anxious to have whatever tests were available to learn the details of his heart condition. Roger told me he was willing to take any actions necessary to improve his health and his longevity with his wife, his two grown children and his one-year old granddaughter Abigail.

Unfortunately, because Humana’s Medicare Advantage plan is a private, for-profit insurance plan, they would not pay for the types of tests that Roger knew would allow him to learn what he needed to know about his heart condition.

When Roger called me, he told me he wanted to leave his Humana Medicare Advantage plan and return to Regular Medicare as soon as possible and get a Medicare Supplement that would pay everything Medicare does not pay.

Unfortunately, I had to tell Roger that although he could leave Humana’s for-profit Medicare Advantage plan and return to regular Medicare on January 1, he would be declined for any Medicare Supplement because of his recent heart issue. This would mean he would have to pay an unlimited 20 percent of his health care costs.

Roger was furious. He was adamant that the Humana sales agent who convinced him to leave regular Medicare had not told him about the possibility he would not be able to return to regular Medicare and get a Medicare Supplement in the future. I am sure the Humana agent did not do this. They are not required to disclose this and usually do not.

However, I could not help him.

Roger then said the words I hear too often – “I wish I had talked with you sooner.”

Roger is going to return to regular Medicare even though he will likely be responsible for an unlimited 20 percent of his health care costs the rest of his life. He will have to reallocate much of his retirement planning to pay these costs and he will still be at risk of spending tens of thousands of dollars a year if he needs expensive care in the future.

That is the price Roger is willing to pay to give himself the best chance for the longest and highest quality life with the family he loves.

The sad part is if Roger had simply enrolled in a Medicare Supplement when he first went on Medicare two years ago, all of his health care costs would have been covered the rest of his life by paying a affordable monthly premium of a little more than $100 per month.

When someone first goes on Medicare, they can enroll in a Medicare Supplement that will pay their share of Medicare without answering any health questions. They can keep this policy the rest of their life regardless of any health conditions they have at the time or develop in the future.

And by being with regular Medicare, they will be much less likely to be denied the health care they desire and need than with a for-profit, private Medicare Advantage plan.

At Medicare Answer Center we appreciate the privilege of assisting you with learning about your Medicare options so you can make the right permanent Medicare decision.

Simply click the following link to schedule a free, no-obligation 30-minute Medicare consultation.

Click here to schedule your free, no-obligation Medicare consultation

Click here to message us via Facebook Messenger

Click here to request a quote for your Medicare Supplement from Medicare Answer Center

Click here to immediately download – Ten Most Asked Questions By People Going On Medicare

You can also call me at (865) 851-1120 or email me at charlesbradshaw@medicareanswercenter.com.

I look forward to talking with you soon.

Charles Bradshaw is President and Founder of MedicareAnswerCenter.com.

p.s. If you know of someone who needs help with their Medicare, please share this with them.