Before Your Enroll in Medicare
Here’s What You Need To Know
As you approach 65, you will need to make important decisions with respect to the type of Medicare coverage that best suits your healthcare and financial needs, and you’ll need to act on those decisions within strict time-periods to avoid making mistakes that could wind up costing you, sometimes for life. The following steps will help you to avoid these common, and sometimes devastating, pitfalls when transitioning to Medicare.
Step 1 – Know your healthcare needs and financial picture. Original Medicare does not cover all your healthcare costs, but you have options with Medicare. Review your overall healthcare costs and needs, including regular health maintenance visits, specialists you see, prescription drug costs and any procedures you know you will need. This will help you understand your overall financial picture.
Step 2 – Check to see if your current healthcare providers take Medicare. Check to see if your current healthcare providers accept Medicare. While most do, some doctors opt out of Medicare so they are not required to follow Medicare rules. In other words, you’ll want to make sure your doctor can’t tack on extra costs and you are getting the lowest cost for your services.
Step 3 – Understand the Basics. Before you select what type of Medicare coverage is best for you, take time to understand all the different parts of Medicare. Selecting the wrong coverage can cost you! Visit our Medicare Resources by using the Medicare tab above which includes descriptions and videos on Medicare Parts Parts A (Hospital Coverage), B (Medical Coverage), C (Medicare Advantage) and D (Prescription Drugs), as well as supplemental charts, and national average premiums. Also please call us at (480) 206-8294 for FREE personal guidance.
Step 4 – Don’t go it alone. Talk to a Medicare Professional. We’ll do the leg work for you, helping you to add up all your costs (copays, premiums, etc.) so you can pick the best option. And we continue to be resource for you annually, to help you with changes that may take place with your current coverage and to evaluate new options that may be a better fit for your needs. Give us a call or fill out the form below to request an appointment. Our guidance is provided at no cost and no obligation!
Enrolling in Medicare
Here’s How To Do It Right
For most people, Medicare is not automatic. You need to enroll in original Medicare (Parts A & B) before you can sign up for a Medicare Advantage or Supplement plan. To enroll, you will be required to provide proof of your eligibility. Some acceptable documents are birth certificate, proof citizenship if not born in the US, W-2 or tax forms, and or military records.
You can apply online or call your local Social Security office. You’ll enroll, create your Medicare account, track your Medicare information such as bills, claims, health information and more, as well as print your Medicare card.
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