When you read about Medicare, does it feel like you’re reading a different language? That’s a common feeling many seniors have as they begin to explore their Medicare options.
It’s crucial that you understand Medicare from the beginning so you don’t make costly mistakes. That’s what we’re here for; to help prevent that from happening.
At Greenview Advisors, —a Medicare specialty company— we’ll put you at ease, while answering your questions, and helping you select the plan that works best for your medical needs. Our job is to simplify and explain everything about Medicare so you can make an informed decision.
What are you looking for in a Medicare health plan?
We’re more concerned that you get what you need from a Medicare plan, rather than whether we make the sale. Our job is to take care of you, make sure you’re happy with the plan you select, and to help you find a plan that meets your needs.
At Greenview Advisors, we replace the confusion and stress that Medicare brings to many seniors with peace of mind. Our clients know us and trust us to get them into the right plan.
With over three decades of experience at Greenview Advisors, client relationships are what matter most to us.
Many people come to us needing more information, but they’re unsure where to get answers to their questions. We don’t want any of our customers to be in the dark when it comes to Medicare. We even offer a Medicare 101 informational course to answer all the common questions seniors have as they get closer to Medicare eligibility.
We help you to compare your employer benefits and premiums to Medicare to determine whether you should jump off your employer group plan or retirement plan.
Medicare has four parts that focus on specific aspects of medical coverage.
This is part of original Medicare. It covers inpatient private hospital room and care (including meals), skilled nursing, blood transfusions, home health and hospice care.
Also part of original Medicare, Part B covers many services that are medical necessities like outpatient medical services like lab work, surgery, ambulance transportation, physical and therapy, approved medical supplies and equipment, chemo and radiation, and mental health services. It also covers preventative care, and some limited outpatient prescription drugs.
Part C is a type of managed care. How can you qualify for a Part C Medicare Advantage plan?
You’ll need to live in the service area for that plan and be enrolled in Medicare Parts A and B.
Medicare Advantage Plans offer an option to get the benefits and services covered under Part A and Part B. Most Medicare Advantage Plan premiums start at $0. They offer extra benefits like dental, vision, and approved gym memberships.
Medicare Part D is a prescription drug coverage that’s provided through private insurance companies.
It’s required by CMS (Centers for Medicare and Medicaid Services) unless you have other creditable drug coverage like VA benefits, or a group plan.
Not everyone needs Medicare Part D, especially if they have other prescription coverage available, but it’s good for those who want to pick up prescriptions at their local pharmacy.
Premiums, deductibles, co-pays, and formularies vary based on the type of prescription.
Keep in mind, if you opt out of Part D coverage, and decide to add it on later, you could face a late penalty.
To find out more about Guaranteed Issue Rights, or anything else having to do with Medicare, call Greenview Advisors. We’re here to help!
There are two ways to cover your Medicare, with Medicare Advantage or a supplement. We can help with a solution tailored to your specific situation and medical needs.
Call Greenview Advisors today or schedule a time to talk with a Medicare specialist here.
We’re happy to answer questions and assist you in finding the best Medicare coverage to fit your needs!
