Turning 65 or Retiring Soon?

Medicare
Health Insurance

If you are looking to SAVE on your Medicare coverage, make sure you are getting the right plan for you. Experienced insurance agents are here to guide you through your options, always committed to your satisfaction.

What is Medicare?

Medicare is the federal health insurance program for:

  • People who are 65 or older
  • Certain younger people with disabilities
  • People with End-Stage Renal Disease (ESRD)

When can I enroll in Medicare?

You can enroll in Medicare if you are about to turn 65 in the next 3 months, in the month of your 65th birthday or 3 months after you turn 65. This would be your Initial Enrollment Period (IEP).

MEDICARE 101

PART A

Part A covers basic functions of insurance such as:

  • Inpatient hospital stays
  • Care in a skilled nursing facility
  • Hospice care
  • Home health care

PART B

Part B helps cover:
  • Doctor office visits
  • E.R./Urgent Care
  • Ambulance
  • Surgeons
  • Radiology/Labs
  • Preventative services like seasonal flu shots and other vaccines

PART C

Covers both Part A and Part B, it may also cover:

  • Prescription Drug Coverage
  • Vision
  • Dental
  • Hearing
  • Transportation
  • $0 Over-the-Counter Products

PART D (Prescription Drug Coverage)

Medicare’s Drug Coverage (Part D) offers outpatient prescription drug coverage for anyone with Medicare. It is only available through private companies and the cost varies from plan to plan.

It is important to know coverage is not automatic and must apply to avoid a late enrollment penalty.

AEP

October 15-December 7

During the Annual Enrollment Period you can add, drop or switch your Medicare Coverage.

OEP

January 1 – March 31

Open Enrollement Period

If you are already a Medicare Advantage Plan member, you may disenroll from your current plan and switch to a different Medicare Advantage plan one time only during this period.

SEP

Special Enrollment Period

Under certain circumstances, you may be able to enroll in a Medicare plan outside of the AEP, IEP and OEP frames. The ways you may qualify for SEP is if you: Retire, Qualify for Extra help, get diagnosed with a certain qualifying disability or chronic health condition, among many other options.

Contact Us!

Better yet, see us in person!

We love our customers, so feel free to visit during normal business hours.

HEALTH RIGHT

(619) 754-4422

Hours

Monday – Friday: 9am – 5pm

Saturday – Sunday: Closed