It’s a jungle out there. So many Parts, Plans and Medicare Options.
At Medigap Select we try our best to minimize all the confusion that comes with signing up for Medicare.
We know that before you turn 65 that a barrage of phone calls and mailers with offers of ‘The Best Plan’ will cram your mailbox.
You’ll most likely feel overwhelmed and frustrated because there seems to be so many things to know and choose from.
Our team of independent agents are here to talk with you about finding the best insurance plan to meet your needs.

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My how time flies.

If you are reading this chances are you are past your 64th birthday and hearing all sorts of information on the subject of Medicare. As you approach your 65th birthday you most likely will have some decisions to make on what you need to do in order to get the best coverage for your needs through the Medicare program. Our job is to make your transition to Medicare as easy and transparent as possible.

Plenty of time to make your decision.

A few things to keep in mind with timing and signing up for Medicare. With regards to Medicare Supplement (Medigap) you can sign up for coverage six months prior to the month of your birthday. If you do, remember that you’ll be locking in a rate for twelve months starting on the month of your 65th birthday. You’ll not be able to enroll in a prescription drug plan until three months prior to your 65th birthday. This is also true if you decide on enrolling in a Medicare Advantage plan.

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Knowing the basics will help you make better choices.

Quite simply Medicare is a U.S governmental health care program designed to help people like you cover medical expenses in the event you need medical treatment from providers like doctors, specialists, outpatient surgical centers, hospitals and many other healthcare providers. You can use the benefits of Medicare to help with your healthcare related needs by any provider who accepts Medicare as a form of payment.

Frequently Asked Questions:

We want to take the time to answer some questions we are frequently asked from people new to Medicare, just like you.

Does Medicare cover all my healthcare expenses?

Medicare insurance on average pays approximately 80% of the bills and whatever is left over is your responsibility to pay. This is commonly known as the ‘gaps’ in Medicare. We will show you how to cover these gaps with Medigap Insurance.

Do I really need Medicare?

Maybe not. Many folks these days continue to work past the normal retirement age of 66. If your employer or union offers healthcare coverage you may want to delay your Medicare benefits. When you do finally decide to retire you have an eight month window to sign up for Medicare. Check with your employer to see if can remain on the group health plan.

How much will Medicare Cost?

The good news is that if you have worked 10 years and paid taxes through payroll your Medicare Part A is premium free. The Medicare Part B premium is a little more complicated as it is based on your income. For now, let’s just say that for most people the Part B premium in 2019 is $135.50 per month.

Am I eligible for Medicare?

If you received a Medicare card in the mail then you are eligible for full or partial Medicare benefits. This depends on whether you are drawing social security benefits or not. If you are still working and approaching age 65 chances are you only have Medicare Part A benefits.

If you are under age 65 and are receiving Social Security Disability Income for the last 24 months, then you also become eligible for full Medicare benefits.

When do I sign up for Medicare?

If you are receiving Social Security retirement benefits, then you will be automatically enrolled in Part A and Part B of Medicare. The effective date will be the first day of the month you turn 65.  If not, you must contact Social Security to sign up for Part B. If you are continuing to receive health care insurance through your employer or union in addition to drawing Social Security retirement benefits, then you must inform Medicare to delay your enrollment in Part B.

A Good Place to Start

At MediGap Select we are not just here to advise you, we are here to educate you. If you walk away feeling like an expert, we consider ours a job well done. Visit our blog to start learning the ins and outs of Medicare from our team of independent agents.

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Ready to find the right Medicare plan for you?

Our team of independent agents are here to talk with you about finding the best insurance plan to meet your needs.

Call us at (800) 405-4802 to talk about your Medicare options.