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Medicare Supplemental Insurance

What is Medicare?

Medicare is a federally administered health insurance program that provides health coverage to Americans over the age of 65 and other individuals who are eligible due to certain illnesses or disabilities.

Understanding Medicare

When signing up for Medicare there are 3 possible options. 

1. Original Medicare- included Part A and Part B. 

  • Part A- covers hospital stays
  • Part B- covers doctors and outpatient visits.

2. Original Medicare with a Medicare Supplement insurance plan with the addition of a prescription drug plan (Part D). This can go both ways- You can have Original Medicare with a prescription drug plan but not a supplemental plan. A Medicare Supplemental plan will cover some of the costs not paid by Original Medicare (Parts A and B).

3. Medicare Advantage (Part C)- includes a prescription drug plan plus extra benefits in addition to hospital stays and doctor visits. *You may hear us refer to it has A+B+D=C.

When to Enroll

Are you turning 65 in the next 3 months? If so, give us a call! You are in your initial enrollment period! Your enrollment into Medicare is the 3 months before your 65th birthday and the 3 months after your 65th birthday. 

If you enroll before the month you turn 65, your coverage starts the first day of your birth month- We HIGHLY recommend this. 

If you enroll during your birth month or after, you risk a delay in your health coverage- we don't recommend this. 

Be aware there is a penalty for Part B if you enroll after your initial enrollment period. This fee is an additional 10% of the premium amount for each full 12- month period you delay signing up. It's charged every month for as long as you have Part B.

Remember!

If you aren't 65 but have a qualifying disability, you are still eligible for Social Security and Medicare.

Learn more about Part D

Carriers We Work With

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Your Medicare Contacts

Paul  Doran

Paul Doran

Owner & Consultant

603-569-6464 x101

603-569-8664

Nancy  Papp

Nancy Papp

Consultant & Notary

(603) 569-6464 x103

(603) 569-8664

Amanda  Rydlewski

Amanda Rydlewski

Consultant & Notary

(603) 569-6464 x104

(603) 569-8664