Medicare supplement plans include:

• • Coverage that travels with you anywhere in the U.S.
  • Payment for some of the remaining out-of-pocket medical expenses not paid by Medicare.
  • Choice of any doctor who accepts Medicare patients.
  • Access to specialists with virtually no referrals needed.
  • Prescription Drug Plan is still REQUIRED to avoid future penalties.
  • Enrollment in Medicare Part A & B before applying for a Medicare Supplement Plan.
  • State Residency is Required in the state of application.

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Common Medicare Questions

• • What is the difference between a Medicare Supplement and Medicare Advantage Plans? Supplement plans typically cover additional expenses and provide more freedom of choice to see doctors and specialists. Supplement plans also have additional premium costs. Advantage plans are typically more limited with HMO networks for primary and specialty care, typically don’t provide coverage when travelling, but don’t have additional premiums.
  • What is the monthly premium for Medicare Part B? The average premium cost for Medicare Part B is $121.80 per month depending on income.
  • If I’m already enrolled in Medicare Part A, how do I enroll in Medicare Part B? Yes, it is possible to sign up for Medicare Part B even if you are currently enrolled in Medicare Part A. You’ll need to call your local Social Security office or call toll-free 800-772-1213.
  • When can I apply for Medicare? You can apply for Medicare from 3 months before and 3 months after your 65th Birthday.
  • What is the difference between Medicare Part A and Part B? Medicare Part A covers hospitalization expenses and Medicare Part B covers preventive and treatment services.
  • Are tax credits available for Medicare Supplement and Advantage plans? No, unfortunately there are no tax credits available for Medicare enrollees.
  • Am I subject to the ACA tax penalty is I am Medicare eligible? Yes, the ACA tax penalties apply to everyone, including those who are over 65 and uninsured.

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Fun might be a strong word, but here’s more important information everyone needs to know about Medicare.

• • Applications should be made for both Medicare Part A & B before your 65th birthday to avoid gaps in coverage.
  • Late enrollment penalties can be assessed for Medicare Part B if you delay enrollment and can apply for as long as you are enrolled in Medicare.
  • Medicare was never designed to cover 100% of medical costs for those over 65. It covers 80% of medical costs with any lifetime limits.