Aging into Medicare
By Roni Bell, HealthMarkets Insurance Agency
Trying to understand insurance coverage can be a lot like a visit to the dentist. Painful.
One of the biggest things I do is help clients navigate the complex waters of the insurance industry, particularly Medicare, and take the pain out of the process.
Open enrollment for Medicare is over, but I meet with people all year long to help them understand their coverage options. I can show you the moving parts and pieces of your Medicare plan and how to manage some of the costs.
People just turning 65 are often overwhelmed by the idea of Medicare and don’t know where to begin. New 65s have a seven-month enrollment period, three months before their birth month, their birth month, and then three months after their birth month.
Most people need to apply for Medicare through Social Security. If you (or your spouse) worked 40 quarters in your lifetime, you’ll get Medicare.
The first step toward getting Medicare is to apply four to five months before you turn 65. Then, you can schedule an appointment with me to start reviewing your options.
Medicare coverage is standard. There is a part A and part B. Secondary options are different. Because HealthMarkets represents so many different carriers, I can help you shop impartially for the right plan to fit your needs and help with the costs associated with medication, hospitalization and doctor coverage.
Medicare coverage is totally different from individual employment benefits. I go over what Medicare covers and what supplements you may or may not need. As always, there is no cost for my service.
HealthMarkets Insurance Agency is located at 1039 Pearl Road, in Brunswick. Call Licensed Insurance Agent Roni at 330-225-2550. Hours are Monday-Friday, 9 a.m.-5 p.m.; weekends and evening hours by appointment. Visit the website at HealthMarkets.com/RoniBell.
HealthMarkets Insurance Agency is d/b/a of Insphere Insurance Solutions, Inc., which is licensed as an insurance agency in all 50 states and the District of Columbia. Not all agents are licensed to sell all products. There is no cost or obligation to enroll. Service and product availability varies by state. HMIA003988