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Getting started with Medicare and all of your options
covering gaps and copays
Whether you’re new to Medicare, getting ready to turn 65, or preparing to retire, you’ll need to make several important decisions about your health coverage. If you wait to enroll, you may have to pay a penalty, and you may have a gap in coverage. Contact us for more info.
Different types of Medicare health plans
Generally, a Medicare health plan is offered by a private company that contracts with Medicare to provide Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) benefits.
Medicare health plans include Medigap,
Medicare Advantage Plans, Medicare Cost Plans, Demonstrations/Pilot Programs, Programs of All-inclusive Care for the Elderly (PACE), Medication Therapy Management (MTM) programs for complex health needs
When can I buy Medigap?
The best time to buy a Medigap policy is during your 6-month Medigap open enrollment period. During that time you can buy any Medigap policy sold in your state, even if you have health problems. This period automatically starts the month you're 65 and enrolled in Medicare Part B (Medical Insurance). After this enrollment period, you may not be able to buy a Medigap policy. If you're able to buy one, it may cost more.
How important is Open Enrollment
Medigap insurance companies are generally allowed to use medical underwriting to decide whether to accept your application and how much to charge you for the Medigap policy. However, even if you have health problems, during your Medigap open enrollment period you can buy any policy the company sells for the same price as people with good health. It's important to know all of your Medicare and or Medicaid open enrollment supplement options.
In The News
Fall season means it is time to tune up your Medicare coverage
If you are not happy with your Medicare coverage, now is the time to make a change. The annual Medicare fall enrollment period for 2022 begins on Oct. 15 and runs through Dec. 7. This is the time of year when you can make changes to your basic coverage and to your prescription drug insurance.
Jan. 14 , 2022
Why nearly 4 in 10 people on Medicare skip their doctor's visits
Close to 40 percent of enrollees in the retiree health-care plan have either delayed medical care or passed on a prescription due to cost, according to a survey by eHealth.com.
Sept. 26, 2021
New Medicare Cards Are Being Issued. Here’s What You Need to Know.
The new Medicare card design, which replaces the recipient’s Social Security number with a new identification series.
Aug. 27, 2021
I'm grateful to have contacted Medicare Leader, one phone call answered my questions and helped me decide which plan to choose.
— Rose D. from Ocala, Fl
I was happy with the service, an agent offered to visit me at my practice for free and help sort out my options before I turned 65.
— Marty A. from Santa Monica, Ca
The info that was mailed to me after my call was way more than I anticipated, the agent even called my primary doctor to make sure he accepts my plan.
— Sonya P. from Fremont, Ca
My agent came out to meet my son and I to help me choose what plan works best with my Medicare and patiently explained all of the important enrollment dates and options .
— Belinda K. from Austin, Tx