We can help you make sense out of Medicare

You have no doubt been bombarded with Medicare-related solicitations, many of them disguised to look like something official.  Over the years we have heard from thousands of people regarding Medicare and one word is by far the most common: confusing.

 

It is confusing.  The rules are complicated.  Many turn to friends or family members who are already on Medicare only to receive incorrect advice because the rules aren't the same for everyone depending on a number of factors.

 

When you call us we'll ask you some key questions to determine whether or not you need to take Medicare.  That's right, many don't need to take Medicare at 65 and can postpone without penalty.  Others may face late enrollment penalties for not taking Medicare when first eligible.  It all depends on your situation.  Some of the questions we'll ask you to assess what action you need to take regarding Medicare are:

 

  • Is your current health insurance an employer group health plan?
  • Are you (or spouse) currently employed?
  • Is the employer coverage a retireee plan or COBRA?
  • Does the employer have 20 or more employees?
  • Is the employer plan a Health Savings Account (HSA)?
  • Do you have a younger spouse covered as a dependent on your employer plan?
  • Are you receiving Social Security benefits?
  • Are you eligible for VA benefits?

The answers to these questions will help determine what action, if any, you'll need to take regarding Medicare.  If you do need to take Medicare, then there is the matter of its cost, which is based on your taxable income, and then which of the Medicare-related health plans to choose.  Those choices can be confusing, too, as you wade through more than 30 Part D prescription drug plans, ten Medicare supplement plans, and more than 20 Medicare Advantage plans.

 

The good news is we're here to help, and our assistance comes at no cost to you.  We'll help you determine whether you need Medicare, explain the cost and plan options.  If you enroll with us, the plan you enroll in provides our compensation and does not add to the cost of your plan.

 

We have experienced agents in Texas, California, and Arizona.  The local office numbers are on the right column of this page.  Please call.  We can help.