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Hurst Medicare Insurance
Medicare Insurance Made Easy
Hurst Medicare Insurance
Here’s some good news: if you’re turning 65 soon, you’ll also be eligible to join Medicare—a federally funded program that provides hospital and medical insurance to older Americans. Transitioning to Medicare for the first time can be confusing and you’re not alone if you have a few questions. Here’s a great resource to get you started—important tips and things to think about as you plan for Medicare coverage.
Enrollment In Medicare Is Automatic
If you’re worried about how to sign up for Medicare before your birthday, don’t be. For most seniors, enrollment in Original Medicare (Part A and Part B) is automatic. As long as you receive Social Security or Railroad Retirement benefits, you don’t need to do anything at all and your Medicare card will be sent to you by mail.
Expect to receive your card 3 months before you turn 65, with benefits beginning on the first day of your birthday month. If you do not receive retirement benefits, you may need to enroll in Medicare manually through the Social Security Administration or Railroad Retirement Board.
Accepting or Opting Out of Part B
While Part A (hospital insurance) is free for most people, Part B (medical insurance) is not. A monthly premium will be deducted from your Social Security check each month.
If you are still working, covered through an employer or a spouse’s employer, you do not need to keep Part B coverage or pay for it. You can choose to opt out of Part B coverage on the back of your membership card.
Important tip: If you opt out of Part B coverage, and do not have comparable coverage through an employer or spouse, you may end up paying a late enrollment penalty when you decide to join.
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Ashford Insurance is an independent health insurance agency specializing in Texas Medicare insurance and has been helping seniors since 2005. Ashford Insurance is here to help you understand Medicare and health insurance in simple, plain terms that anyone can grasp. We specialize in assisting folks who are Medicare eligible to learn about the coverage options available through the Medicare Health Insurance Program.
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Navigating the complex world of Medicare can feel overwhelming, especially with the deluge of mail and calls you receive once you turn 65. Everyone seems to promise the “best plan,” but making a hasty decision can have long-term consequences. That’s where a trustworthy Medicare supplement insurance agent can be your guiding light, ensuring you make informed choices that align with your needs and best interests.
It happens every couple of years. A Physicians Group’s contract with a large insurance carrier is coming up for renewal. How wrong is it for a Health Physicians group to SCARE Seniors who depend on their services? It would seem like it’s just a type of corporate blackmail to me.
Medicare, the vital healthcare program for seniors and certain individuals with disabilities, is known for its well-defined enrollment periods. However, life is unpredictable, and sometimes circumstances change when you least expect it. That’s where Medicare Special Enrollment Periods (SEPs) come into play. These SEPs provide you with an opportunity to adjust your Medicare coverage when specific life events occur.