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We’re here to provide answers to your questions and help you find the right Medicare plan for your needs. Everyone's situation is unique, the easiest thing is to just give us a call, and we will answer all your questions.
Original Medicare
Part A Covers:
- Hospital Care
- Inpatient Services
- Skilled Nursing & Hospice Care
- Home Health Services
Part B Covers:
- Doctors Visits
- Outpatient Services
- Drugs Administered by Physician
- Preventative Services
Why do I need additional coverage?
Original Medicare doesn’t cover all medical costs completely and there is no maximum out of pocket. If you need additional services not covered by Part A or B, you’ll have to pay for them yourself.
How do I cover the gaps in Original Medicare?
Option 1
Add one or both of the following to Original Medicare:
Medicare Supplement Insurance
Medicare Part D Plan
Option 2
Choose a Medicare Advantage Plan:
Medicare Advantage PlanÂ
Common Medicare Questions Answered
Absolutely nothing, our services are always free of charge.
If your company has more than 20 employees and you are on the company insurance, this counts as creditable coverage and you do not need to apply for Medicare. You can apply for Part A, since it has no premium so long as you are not on a high deductible plan.
If your company has less than 20 employees you may have to get on Medicare, consult with your employer or give us a call.
In either case, a Medicare plan may offer increased benefits at a lower cost compared to your employer plan, give us a call to compare options
You should apply for Medicare when you turn 65 and retired.
You should apply for Medicare when you turn 65 if you are working past 65 but do not have creditable coverage through your employer.
If you are working past 65 see here.
The window to apply when you turn 65 is a 7 month period, 3 months prior and 3 months past the month of your 65th birthday.
The window to apply when retiring after age 65 and leaving employer health insurance is 8 months following the last month of group coverage.
No, COBRA is not considered creditable coverage and if you rely on COBRA after turning 65 you may a face a penalty when signing up for Medicare.
Medicare Part A is free for most people but there is a $1,632 deductible (in 2024) each benefit period and copays depending on the number of days in care. If you or your spouse have paid taxes for at least 40 quarters (10 years), you should not have a premium for Part A.
Medicare Part B has a standard monthly premium of $174.70, a deductible of $240.00 in 2024 and copays are typically 20%. The premium and deductible increase slightly each year. The Part B premium does depend on your income level from 2 years prior so some people pay more for their Part B premium.
Medicare supplements have a premium that depends on your age, gender and area among other things. Monthly premiums vary significantly from individual to individual but as a guide may start in the range of $75-150 at age 65 and increase approximately 8-12% per year.
Medicare Advantage plans often have a $0 premium and $0 deductible but do have copays and coinsurance up to the maximum out of pocket for the plan.
Part D Prescription Drug Plans have varying premiums depending on the coverage offered and may be higher depending on your income from 2 years prior. In 2025 the annual maximum out of pocket for prescriptions is $2,000.00.
IRMAA stands for Income Related Monthly Adjustment Amount and means that if your adjusted gross income from 2 years prior is higher than a certain threshold, your Part B and Part D premium may be increased.
Original Medicare does not cover dental. To obtain dental coverage you can either add a stand-alone dental plan or enroll in a Medicare Advantage plan which includes dental coverage as an extra benefit.
If you do not signup for Part B during your initial enrollment period when you turned 65 and you do not have creditable coverage for example health insurance provided by your employer, a 10% penalty will be assessed on your Part B premium for each full 12-month period without creditable coverage. You will not receive a penalty so long as you have creditable coverage after turning 65 up until the point you apply for Part B.
You will be assessed a Part D penalty if you don’t join a Medicare prescription drug plan when you first get Medicare or if you go more than 63 days without creditable drug coverage. The Part D monthly penalty is 1% of the nation base beneficiary premium ($34.70 in 2024) for each month without coverage and is applied for as long as your have a prescription drug plan. To avoid incurring the Part D penalty, ensure you get a prescription drug plan when you enroll in Medicare, even if you don’t take any medications, low cost plans are available.