For most people, turning 65 means you’ll have to make some very important time-sensitive decisions as to the type of Medicare coverage that best suits your needs now, and into the future of your retirement. Missing this one-time window of opportunity to sign-up for the right coverage, or even selecting the wrong coverage in haste, could wind up costing you, sometimes for life. Miller & Associates Insurance Solutions is here to help!
Enrolling in Medicare. 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.
We have put together the following steps to help you avoid this pitfall and to help you get started on your Medicare journey. Please review carefully and give us a call for FREE personal assistance!
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.
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.
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 Medicare Videos, a Medicare Supplement Chart, a Medicare Options Compared chart, and a list of National Average Medicare Premiums.
Don’t go it alone. 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. Our guidance is provided at no cost and no obligation!