Medicare Health Coverage

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.
Individual Health Coverage

Personal Health Insurance Definitions

MEDICARE UPDATES FOR 2022

-Part B Premium in 2022 = $170.10 for most Americans

-Part B Deductible in 2022 = $233 annual deductible

-Part A Deductible in 2022 = $1,556 deductible per hospital admission

ENROLLMENT OPPORTUNITIES

Initial Election Period for Part C & D

When you first turn 65 (or become eligible for Medicare prior to age 65 through special circumstance) and have enrolled in Part A & B of Medicare, you will have a 7-month window to enroll in a Medicare Advantage Plan (Part C) or Prescription Drug Plan (Part D). This 7-month window is the 3 months prior to your Part A & B starting, the month they take effect, and the 3 months following that effective month.

Open Enrollment for Medigap

If someone would like to purchase a Medigap Plan (Medicare Supplement) instead of a Medicare Advantage Plan, they have a 6 month “Open Enrollment window” starting the day their Part B takes effect where they can do so without being subjected to medical underwriting by an insurance carrier. Medigap Plans can also be purchased at any time throughout the year, but they would be subject to underwriting if outside of the Open Enrollment.

Annual Enrollment Period (AEP) for Part C & D

Medicare Advantage and Prescription Drug plans can be purchased by all Medicare recipients between October 15th and December 7th each year. At this time, you can enroll into or change your Part D or Medicare Advantage plan and all those enrollments will take effect on January 1st.

Medicare Advantage and Prescription Drug Plans change from year to year, so it’s a good idea to check with us to see if there is a new plan that might save you money and/or get you additional benefits that you are entitled to!

MEDICARE SUPPLEMENT VS MEDICARE ADVANTAGE

Medicare Supplement Insurance 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 higher monthly premium and very little cost as you use them. Medicare Supplements follow the coverage and freedoms of Medicare, meaning they work the same everywhere in the US and are not a network-based type of coverage.

Medicare Advantage Plans will minimize your overall risk, while keeping your monthly costs at a minimum due to being a network-based type of coverage. Medicare Advantage plans are more “pay as you go” with little to no monthly premium, but have copays for most services and feature a cap on your maximum out-of-pocket expenses. Medicare Advantage plans also typically include additional benefits at no extra cost that are not included with traditional Medicare coverage (Part A & B). Those benefits can include dental, vision, hearing, transportation, over-the-counter allowance, free gym membership and even a Part B premium reimbursement.

Apollo Insurance Broker

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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.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options 24 hours a day, 7 days a week.

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Call (913)-279-0077