Menu

Lenny Rosen Insurance 

LICENSED INSURANCE AGENT SPECIALIZING IN MEDICARE

Blog Component

Why Choose an AARP Medicare Supplement Insurance Plan?

By enrolling in an AARP Medicare Supplement Insurance Plan, you could join the millions of AARP members who are already enrolled in these plans. Not to mention, 95% of plan members surveyed are satisfied with their plan. Like all standardized Medicare supplement insurance plans, AARP Medicare Supplement Insurance Plans feature a variety of coverage options that:

  • Let you choose or keep any doctor who accepts Medicare patients.
  • Help cover some of the medical expenses not paid by Medicare Parts A & B.
  • Require virtually no referrals to see a specialist who accepts Medicare patients.

Medicare supplement insurance companies in most states can only sell you a “standardized” Medicare supplement plan identified by a letter (e.g. Plan A). Each standardized Medicare supplement plan must offer the same basic benefits, no matter which insurance company sells it.

How to Apply for Medicare

Apply

When you apply for Medicare, you can sign up for Part A (Hospital Insurance) and Part B (Medical Insurance). Because you must pay a premium for Part B coverage, you can turn it down. However, if you decide to enroll in Part B later on, you may have to pay a late enrollment penalty for as long as you have Part B coverage. Your monthly premium will go up 10 percent for each 12-month period you were eligible for Part B, but didn’t sign up for it, unless you qualify for a special enrollment period.

If you’re eligible at age 65, your initial enrollment period begins three months before your 65th birthday, includes the month you turn age 65, and ends three months after that birthday. However, if you don’t enroll in Medicare Part B during your initial enrollment period, you have another chance each year to sign up during a “general enrollment period” from January 1 through March 31. Your coverage begins on July 1 of the year you enroll. Click here for more information: https://www.ssa.gov/pubs/EN-05-10043.pdf

Note

If you live in Puerto Rico you will not receive Medicare Medical Insurance (Medicare Part B) automatically. You will need to sign up for it during your initial enrollment period or you will pay a penalty. To sign up, please call our toll-free number at 1-800-772-1213 (TTY 1-800-325-0778) or contact your local Social Security office.

How To Apply Online For Just Medicare

You can apply online for Medicare even if you are not ready to retire. Use our online application to sign up for Medicare. It takes less than 10 minutes. In most cases, once your application is submitted electronically, you’re done. There are no forms to sign and usually no documentation is required. Social Security will process your application and contact you if we need more information. Otherwise, you’ll receive your Medicare card in the mail.

Medicare is managed by the Centers for Medicare and Medicaid Services (CMS). Social Security works with CMS by enrolling people in Medicare.

For more information about applying for Medicare only and delaying retirement benefits, visit Applying for Medicare Only – Before You Decide.

Note

If you have a Health Savings Account (HSA) and/or health insurance based on employment, you may want to ask your personnel office or insurance company how signing up for Medicare will affect you.

To find out what documents and information you need to apply, go to the Checklist For The Online Medicare, Retirement, And Spouses Application.

Apply for Medicare Only  Use the online application to apply for just Medicare.

Return to a Saved Application  Finish an application you already started.

Check Application Status Check the status of an application you submitted.

Call Lenny if you have further questions.  678-985-3016

Dental and Vision Coverage

How to Get Dental and Vision Care Coverage When You Have Medicare

Posted by Medicare Made Clear

vision-coverage

Original Medicare (Parts A and B) helps pay for “medically necessary” care. This means care that’s required to diagnose or treat an illness or condition.

Dental and vision care are not seen as medically necessary. Original Medicare doesn’t cover dental exams, eye exams, eyeglasses or other related services.

You have options if you have Medicare and want some help with the cost of dental and vision care.

Many Medicare Advantage Plans Cover Dental and Vision Care

Medicare Advantage (Part C) plans offer the same coverage as Original Medicare (Parts A and B) plus more. Many plans include coverage for dental and vision care. Most also include prescription drug coverage.

Medicare Advantage plans are offered by private insurance companies. The plans available to you depend on where you live. Plan coverage and costs may vary from plan to plan, so it could pay to shop around. Some plans may charge a premium in addition to the Part B premium you pay to Medicare.

Medicare Supplement Insurance Plans May Offer Programs to Help Members with Dental and Vision Care Costs

Medicare supplement insurance (Medigap) helps pay some costs that Original Medicare doesn’t cover. These costs may include deductibles, co-pays and coinsurance for doctor visits, hospitalization or other medical services. Plans are offered by private insurance companies.

Some companies offer their Medicare supplement insurance plan members special coverage options for dental and vision care. Some may also offer insured members a discount program to help save money on dental and vision care. These offerings are not included in Medicare supplement insurance plan benefits. Rather, they are additional options that may be offered to insured members by some insurance companies.

The Medicare supplement insurance plans available to you depend on where you live. Plans are standardized by the federal government in terms of coverage, but costs may vary. Also, plans are standardized differently in Minnesota, Wisconsin and Massachusetts.

You can get plan details from the insurance companies offering plans your area or by searching with your zip code on the Medigap Policy Search. You may also contact your State Health Insurance Assistance Program for help. Go to www.shiptacenter.org to find the number to call in your state.

Find Plans in Your Area

The online Plan Finder tool at Medicare.gov can help you search for Medicare Advantage and Medicare supplement insurance plans. Just answer a few questions about your location and health status. The tool will generate a list of plans offered where you live.

You may choose plans from the list to learn about and compare. Estimated annual costs and plan ratings for each plan may help you find a plan that may help you meet your needs.

The insurance companies offering plans in your area may be able to provide more information and answer your questions. Just contact them directly.

Conclusion

Regular dental and vision exams are important for maintaining overall health. It’s important to research your options and to find a plan that provides the services you want and need.

There are many affordable stand alone Dental and Vision plans available for Seniors.  Some are available thru Lenny. 

Contact Lenny for help.  678-591-4894

 

Medicare Advantage Plans are not the same as Medicare Supplements

Do not confuse Medicare Supplements (Medigap Plans) with Medicare Advantage Plans.  They are totally different and have different effects on your Medicare.  Come to one of our Medicare 101 Educational Seminars to learn the difference.

A Medicare Supplement Insurance (Medigap) policy, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.

People often confuse the two plans, but their differences are great. Here's what you need to know

Medicare Advantage plan? I've heard both described as insurance that is "supplemental" to Medicare.

There are very big differences between these two types of insurance, although both are options for people with Medicare. Technically, only Medigap counts as "Medicare supplemental insurance" — in fact, that's its formal name — but Medicare Advantage plans may provide some extra benefits that could be considered as supplementing Medicare.

Medicare Advantage still has gaps (not the same as Original Medicare) so you will still have out of pocket expenses.  By law, you can not buy a Medicare Supplement to cover these gaps if you own a Medicare Advantage plan.

Contact Lenny if you have questions..  He will be happy to explain the differences.  678-591-4894

Open Enrollment Tip

Open Enrollment is from October 15 thru December 7 every year.  It effects both Part C: Medicare Advantage Plans and Part D: Prescription Drug Plans

It is important to research both of these Medicare Parts C & D every year.

It is easier to do than you think:

Just call the Medicare Hot Line: 1-800-MEDICARE and talk to an agent and discuss your individual needs and concerns.  They will be happy to help and make adjustments for you over the phone.

Contact Lenny if you have questions.  He will be happy to help.  678-591-4894

Welcome to my Blog

I will be adding to this Blog as needed.  So please come back to see the additions.

Search

Archive

Comments

There are currently no blog comments.

Call Us

Phone: 561-740-8055

Cell: 678-591-4894