It actually is as easy as 1, 2, 3. The experts at Benefit Navigators Insurance Agency will guide you every step of the way.
A few months before your 65th birthday, you should call Medicare at 800 MEDICARE (800 633 4227) or visit the Medicare website to enroll online. Once you're enrolled in coverage and have received your Medicare ID cards, give us a call and we'll help you with steps 2 and 3. There is a cost for Medicare Coverage, but those with lower income may pay less.
Follow this link to view costs of Medicare Coverage A and B, based on income: View Medicare Costs
Since Medicare (also known as Original Medicare) only covers about 80 percent of your medical services, we highly recommend you enroll in a Medicare Supplement, or Medicare Advantage Plan. Both of these will reduce or eliminate your medical costs. Arrange a consultation to understand the differences, and select what plan is best for you.
Try and remember D for "drugs". This is the final piece of the puzzle. Some of the plans in Step 2 include prescription benefits, and some don't. If the plan you selected does not include prescription benefits, then you'll need to purchase a separate Part D Prescription Benefit Plan. Costs start as little as $12.90 per month, but can be much higher depending on your prescription needs. Each year between October and December is the Part D open enrollment (actual dates vary from year to year). This is the time you can change your prescription drug plan depending on the medications your prescribed. We're here to help you find just the right plan.
We also recommend that you visit GoodRX.com to find the lowest cost medications. If you discover the cash price of your medications are only a few dollars. you won't need to spend to much on this type of insurance.
The experts at Benefit Navigators Insurance are happy to spend as much time as you need to understand your coverage. There's nothing more important than insurance protection, and we are devoted to proving to you just how valuable we are.
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