Medicare

Full Coverage When You Need It. No Surprises.

If you are an American Citizen and you have turned 65 or older, then you have the option to enroll in Medicare. Medicare Parts A and B, cover your basic hospital and doctor expenses. Unfortunately, these two plans do not cover all of your basic hospital and doctor expenses. Medicare supplements or Medicare Advantage plans can protect you from expenses that are not covered. We are very well versed in this area as well and we can help our clients understand what basic medicare does and does not cover.

OUR GOAL

When it comes to Medicare, there are lots of questions—and good answers are hard to come by. We are here to be your advocates for comprehensive health care solutions. We are here to guide you through the process of your transition to Medicare. From the time you or a family member is curious about eligibility and how to move forward, we’ll help to ensure you have the best coverage for your needs.

HOW WE HELP

At Apollo, we understand what family means to you, and we do everything possible to help you plan for the best and worst case scenarios of your future. We want to get to know you, your story, and your family. Medicare can be confusing and overwhelming. We are here to make it simple for you and your family. We are a solution hub for everything Medicare and strive to meet the unique needs of each member of the Apollo family.

January 1, 2020 started a change in Medigap eligibility for Plans C and F. These two plans will no longer be available to newly eligible Medicare beneficiaries to purchase but can be kept if you're already enrolled. The most common plan for individuals turning 65 after January 2020, is Plan G.

Medicare Advantage and Prescription Drug plans can be purchased from October 15th to December 7th of every year. At this time, you can enroll, dis-enroll or change your Part D or Medicare Advantage plan. However, when you first turn 65 and have enrolled in Part B of Medicare, you get a 6 month enrollment period starting 3 months before your Part B effective and 3 months after the Part B effective date. Those who receive Medicare at an earlier age than 65, will have a second open enrollment period when they turn 65. Medicare Supplements do not have an open enrollment, as they can be purchased and changed throughout the year.

Medicare is for individuals who are American citizens over the age of 65. A person must have worked a minimum of 40 quarters in their life to qualify or had a spouse that did so. Those who are permanently disabled, received SSI for a minimum of 2 consecutive years, been diagnosed with Lou Gehrig’s disease or permanent kidney failure also qualify for Medicare.

Medicare Supplement Plans are also called Medigap Plans. These types of policies can help with the cost of your deductibles, copayments, coinsurance and excess charges depending on the coverage you choose, as there are several different medigap options. Medicare Supplements are more “Pay up front” with a monthly premium. Medicare Advantage plans will minimize your overall risk, while keeping your monthly costs at a minimum. Medicare Advantage plans are more “Pay as you go” with copays for many in-network services, a maximum out of pocket, and generally a zero to low dollar monthly premium.