Rockwall Medicare Insurance
Medicare Insurance Made Easy
Need Help Navigating the Medicare Maze?
Medicare is the federally funded health care program for people 65 and over, for those who have been receiving social security disability benefits for 24 months, and for those diagnosed with ALS or permanent kidney disease. Medicare maintains a national website, medicare.gov, where you can find out the most up-to-date information about your Medicare benefits, rights, and responsibilities.
To enroll in Medicare, or to find information related to Social Security benefits, contact your local Social Security office or go online at ssa.gov. Ashford Insurance can also assist you in this process.
Medicare Parts A & B:
What is Covered
If you or your spouse worked and paid Social Security taxes for at least 10 years, you will receive Part A for free. Medicare Part A covers you for a variety of services during your hospitalization, including semi-private rooms, hospital services, and supplies, the doctor, emergency room services, and drugs prescribed for your treatment. Hospice, skilled nursing facilities, and home health services are also covered by Part A. While this coverage is offered to you at no cost, there is a deductible for hospital stays and you may have copayments for longer stays. Medicare Part B covers preventative care, doctor visits, outpatient care, home health services, medical equipment, mental health services, and other medical services. There is a monthly premium associated with this coverage, as well as a yearly deductible before Medicare pays. When you reach your deductible, you typically pay 20% of the Medicare-approved amount of the service. You won’t need to pay for covered preventative services from a doctor or qualified health care provider that accepts Medicare.
Are You Eligible for Medicare?
Generally, you are eligible for Medicare if you or your spouse worked for at least 10 years in Medicare-covered employment and you are 65 years old and a citizen or permanent resident of the United States.
If you are not 65, you might also qualify for coverage if you have a disability or with End-Stage Renal disease (permanent kidney failure requiring dialysis or transplant).
Here are some simple guidelines. You can get Part A at age 65 without having to pay premiums if:
- You already get retirement benefits from Social Security or the Railroad Retirement Board.
- You are eligible to get Social Security or Railroad benefits but have not yet filed for them.
- You or your spouse had Medicare-covered government employment.
If you are under 65, you can get Part A without having to pay premiums if:
- You have received Social Security or Railroad Retirement
- Board disability benefit for 24 months. You are a kidney dialysis or kidney transplant patient.
While you don’t have to pay a premium for Part A if you meet one of those conditions, you must pay for Part B if you want it. It is deducted from your Social Security, Railroad Retirement, or Civil Service Retirement check. If you don’t get any of the above payments, Medicare sends you a bill for your Part B premium every 3 months.
Need help? Call us for an appointment at (817) 952-3153
Shanelle Reyes has been a Texas licensed insurance agent since 2008. Her specialty for several years was selling life insurance where she enjoyed helping families plan for the future.
Here is a partial list of the products offered by Ashford Insurance
* A licensed sales agent may call or e-mail as a result of completing the information to discuss Medicare Advantage, Prescription Drug Plans or Medicare Supplement Insurance.
Recent Blog Articles
Last week, the Centers for Medicare & Medicaid Services (CMS) released the 2022 premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs, and the 2022 Medicare Part D income-related monthly adjustment amounts.
It seems that nothing ever changes when it comes to hawking insurance to fill the gaps in Medicare coverage for seniors. The fervent sales pitches, the misinformation and the incomplete and deceptive information continue to proliferate. The problems are especially prevalent during Medicare’s open-enrollment period, which began Oct. 15 and runs through Dec. 7.