Find The Right Medicare Coverage

Four Types of Enrollment

When to Sign Up?

Unfortunately, there is no “one size fits all” for Medicare Plans. When it comes to Medicare eligibility, many people are unsure if it is necessary to sign up, how to start the process, and what plans they need to stay covered. That’s what we are here for, we help you navigate through all these questions and more. 

If you are going to be turning 65 in the next six months, it is time to start planning for your Medicare coverage. You should compare the premiums that you are paying, evaluate what the coverage provides you, figure out what the co-pays will be, determine if you need co-insurance, and many other factors unique to your needs.

Part A (Hospital)

While working over the years you will pay into your Part A (Hospital) coverage. The section marked as MCARE on your pay stub was you funding your future Medicare premium-free Part A. Most people will pay no further premium for their Part A coverage if they enroll on time. 

If you were/are married to someone that qualifies for premium-free Part A you may qualify based on their record. 

Part B (Medical)

When you enroll in Medicare, you will receive a letter from the Social Security Administration with information about your individual monthly Part B premium. It is possible to opt out of Part B, but you would not be covered for doctor’s visits, surgeries, and Part B medications (e.g. chemotherapy) unless you have other creditable coverage. If you purchase Medigap insurance or enroll in a Medicare Advantage Plan, it is also necessary to pay the Part B premium.

Individuals or married couples with higher income may be required to pay an Income Related Monthly Adjustment Amount (IRMAA) in addition to the Part B premium. Individuals with limited household income and assets may be eligible for a Medicare Savings Program where the State would pay their Part B premium.

Part D (Prescription)

Part D plans are prescription drug plans offered through private companies. All of these plans have a monthly premium.

If you were eligible to enroll in a Part D plan and did not have creditable coverage, you may also be required to pay a Part D late enrollment penalty in addition to your Part D premium.

As with Part B, individuals or married couples with higher income may be required to pay an Income Related Monthly Adjustment Amount (IRMAA) in addition to the Part D premium.

Individuals with limited household income and assets may be eligible for an Extra Help / Low Income Subsidy to reduce or eliminate the Part D premium.

Testimonials

Recommends
Elizabeth M. Abshire

Very helpful, No pressure, got me so many benefits for no cost.
Bill P.

Recommends
Steve Fappas

Steve was great and helped me to find the right Medicare plan. I was worried about what would happen to my Medicaid. He had dual plans that didn’t screw up my Medicaid benefits and actually worked with Medicaid to get me more dental benefits and a healthy food card to use every month. I can’t say enough good things about Steve.
Curt C. 

Recommends
Tiffany Stone

Tiffany Stone Helped me navigate through all the health insurance plans and that helped me decide on the best one for me. Thanks for all the great advice.
Jeffrey B.

Recommends
Elizabeth M. Abshire

Very patient, made it easy to understand all of my Medicare options. made some recommendations, but was never pushy. I’m so happy with the plan that she helped me to enroll in. It has worked very well for me.
Carol M.

Recommends
Steve Fappas

Steven was so helpful to me in sorting out my Medicare insurance. He was able to find coverage that allowed me to keep all of my Doctors and fill all my prescriptions! I was not filling one of my needed prescriptions since it was too expensive and I was struggling with what to do. Steve listened to my needs, answered all of my questions, and compared many plans against each other to find me the benefits that fit my specific situation. He is the best!! I am so grateful that he is my agent.
Sandy S.

Recommends
Elizabeth M. Abshire

Very Helpful and very informative.
Karen S.

Recommends
Tiffany Stone

Tiffany Stone is the best agent I have ever met. She answered all my questions and concerns and I’m very happy with the plan we decided on. I highly recommend her for your health insurance coverage needs.
Bonnie B.

Recommends
Steve Fappas

Steven assisted me with my retirement when I turned 65. I had options to explore from work and also wanted to see what was available commercially. Steven was patient with my questions and worked through quite a few different scenarios to make sure we were making the right decision for my healthcare in the long term. I would highly recommend his services if you are in the market for Medicare coverage.
James L.

Recommends
Elizabeth M. Abshire

Explained everything, showed us what plans would work best for us, and had us choose the plan we wanted.
Renda Jezylo O.

Recommends
Tiffany Stone

Tiffany is a wonderful Insurance Care Coordinator. She helped us choose the right plan, and she has continued to navigate us through the whole process. Tiffany answers all our questions efficiently. We loved how she aided us in finding the right Primary Care Doctors, optical, dental, and other health referrals in the network for our particular plan. She is a lifesaver, and is always there for us.
Jane and Abe

Recommends
Elizabeth M. Abshire

Saved my wife and I thousands of Dollars.
Larry M.

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Wyandotte, MI 48192
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