Congratulations! It's the year of your 65th birthday and you've reached Medicare eligibility. Now what?
There is no one-size-fits-all option when signing up for Medicare. Where you live, the doctors you see, your hospital of choice, the medications you take, how much and where you travel...are some of the factors to take into consideration when finding the plan that is right for you. You can do the research and figure it out on your own, but wouldn't it be great to have an expert to talk to?
With Bozer Financial Solutions, our loyalty is to our customers, not one specific provider. We are appointed by all of the major Medicare carriers so we offer you unbiased facts and help you find the plan that is right for you. Best of all, we do this at no cost to you. Schedule a free consultation with our Medicare expert today.
Medicare Advantage Plan
Have your friends been talking about some attractive health and wellness programs and benefits they get through Medicare and you would like to know more? It is possible they have a Medicare Advantage Plan.
A Medicare Advantage Plan (Part C), is available through private insurance companies that are approved by Medicare. When you purchase a Medicare Advantage Plan you still have Medicare. These plans are not a supplement. Medicare Advantage Plans tend to package several Medicare parts into one plan. For example, a Medicare Advantage Plan includes Medicare Part A (hospital coverage), Part B (medical coverage), and sometimes Part D (prescription drug coverage).
There are many types of Medicare Advantage Plans available in the marketplace. We are happy to review your needs and present your options. We work with all of the major carriers to present you with an unbiased, personalized recommendation. We help you find a plan that is right for you. Schedule your free consultation today.
Medicare Supplement (Medigap)
If you have Medicare and would like to avoid out-of-pocket expenses, such as copayments, coinsurance, and deductibles, which can easily add up, a Medicare Supplement (Medigap) policy might be right for you.
Here's how a Medigap policy works...Medicare will pay its share of the Medicare-approved amount for covered healthcare costs, then your Medigap policy will pay its share. The amount you owe on that specific healthcare invoice will be reduced or eliminated completely. There are some items, such as long-term care, that are not covered by Medigap. Make sure you fully investigate or speak to your agent about what is and is not covered.
There are a variety of Medigap options that are identified by letters (A-N). For help with choosing a plan that's right for you, schedule a free consultation today.
Prescription Drug Coverage
Prescription drug expenses can be a significant problem for seniors. Even if you are not taking prescription medication now, you may want to consider enrolling in Medicare's optional prescription drug coverage (Part D). Here's why...if you decide not to get Medicare prescription drug coverage when you are first eligible and then choose to join later, you will be charged a penalty for every month you waited. You will have to keep paying the penalty for as long as you have Medicare prescription drug coverage. There are some exceptions to this on Medicare.gov such as having other creditable prescription drug coverage (from an employer or union, for example) or qualifying for Extra Help (if you meet certain income and resource limits). Make sure you research this or talk to an expert.
For those who are taking prescription drugs, there are drug formularies for you to see if your specific medication is covered. If the drug is not in the formulary, there are options you can pursue. Need help to see if your drugs are covered, offer you options, and find the right plan for you? Contact us today.
There is a 7 month period during which you can join a plan when you first becoming eligible for Medicare:
3 months prior to your birth month
your birth month
3 months after your birth month
We offer seniors free assistance with their Medicare plan selection. Contact us to schedule a consultation.
Already have Medicare and want to change your plan?
October 15 - December 7
You can join, switch, or drop a plan during the Annual Enrollment Period. If you switch plans, the new coverage will begin on January 1.
Medicare recommends an annual review so you can make an informed decision about your plan for the upcoming year. Contact us for a free annual review.
Do you have a Medicare Advantage Plan and need to make another change?
January 1 - March 31
If you are enrolled in a Medicare Advantage Plan, this Open Enrollment Period gives you another opportunity to make a one-time switch to a different Medicare Advantage Plan or switch to Original Medicare (and join a separate Medicare drug plan).
Contact us for assistance with making a change.
What our clients are saying...
“Thank you for all your help when I turned 65. Never had insurance. You found the best plan for me, taking all the worries out of it.”
“Just a note to thank you for all your help. Giving me peace of mind. ...going over plans finding the best. Never made me feel like you were just trying to sell me just
any insurance plan.
Trying to retire was
so easy with your help.
You were sent
from God to me."