Fair Square Medicare experts yet? This blog post is chock full of information about Medicare, but there is no substitute for our agents tailoring a recommendation for you based on your exact lifestyle and healthcare needs.
your spouse) have creditable coverage.
Creditable coveragefrom your employer means that your insurance is at least as good as what Medicare provides. If you are over 65 and without creditable coverage, then you need to sign up for Medicare.
Initial Enrollment Period (IEP). Your IEP is a 7-month window unique to your birthday. It begins three months before you turn 65 and ends three months after your birthday. The date your Medicare plan begins depends on when you sign up, but as a rule of thumb, the earlier, the better.
Special Enrollment Period qualifying events.
estimating prescription drug costs.
winter with only a hat and scarf. Medicare Supplement or Medicare Advantage plans act as your coat, offering the proper amount of coverage. There are numerous plans to choose from between Medicare Supplement and Medicare Advantage. Our licensed Medicare advisors at Fair Square can help you narrow down your options.
one is fee-based, and the other is value-based. Medicare Supplement and Original Medicare, are value-based. Meaning, providers (such as doctors and hospitals) are reimbursed by Medicare for each service they perform. Medicare actually has a list of how much they'll reimburse for each medical procedure that could possibly be administered to you.
prescription drug priceswork on Medicare?
donut hole, and catastrophic coverage, go into effect after you pay your deductible.
chat with one of our Medicare agentsfor a free consultation about what you value and how a Medicare plan fits into your life. Give us a call at 888-376-2028.
Medicare Advantage plans are not inherently bad, they are frequently misunderstood, though. One reason to consider a Medicare Advantage plan is if your vision or dental costs are significant, so you might be able to save more on a plan that offers these extra benefits not included in Medicare Supplement plans.
the costs of Medicare can pile up.If you are on a Medicare Advantage plan, you have an out-of-pocket maximum per year which puts a cap on your spending. One of the reasons we love Medicare Supplement Plan G is that your out-of-pocket costs are limited to the annual Part B deductible of $226 (for 2023).
heregoes into great detail about the different plan letters.
Flex Cardssometimes offered by Medicare Advantage plans. Technically, the answer is yes, but you should approach these plans with a degree of caution. These flashy perks probably come at the expense of actual medical coverage. Saving a couple of hundred bucks on groceries is less appealing when you’re spending thousands of dollars more because of your choice of Medicare plan.
handy guide herefor more information.
Medicare physician directory
Call us. A licensed Medicare advisor at Fair Square to discuss your options. You can change your plan during the
Annual Enrollment Period (AEP)or during a Special Enrollment Period. The AEP lasts from October 15th to December 7th each year. There are some restrictions to which plans you might be eligible to switch.
our blogdedicated to answering if Medicare covers certain procedures. However, different Medicare plans have different rules for what they might cover, so it’s a good practice to check with your plan and your healthcare provider to ensure you’re coverage.
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Virgil Insurance Agency, LLC (DBA Fair Square Medicare) and www.fairsquaremedicare.com are privately owned and operated by Help Button Inc. Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed agent/producer may contact you. Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. Virgil Insurance Agency is a licensed and certified representative of Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations and stand-alone PDP prescription drug plans. Each of the organizations we represent has a Medicare contract. Enrollment in any plan depends on contract renewal. The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. Plan availability varies by region and state. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. © 2022 Help Button Inc
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.