President Harry Truman called for the creation of a national health insurance fund in 1945.Then in 1965 President Lyndon B Johnson signed Medicare into law. In 1966, Medicare coverage took effect as Americans turning 65 were placed on Hospital Part A coverage and millions opted in for Medicare part B coverage. Today we have nearly 65 million people enrolled in Medicare.
Who Can Benefit from Medicare in Patchogue, NY
Medicare is typically for people who are turning 65. Medicare has extended its coverage to those with certain disabilities under 65. Such as Lou Gerhigs disease and ESRD . People classified as permanently disabled who have waited twenty four months will also qualify for Medicare.
Understanding Medicare in Patchogue, NY
Let’s face it, if you ask most people, they will tell you they don’t understand Medicare. Original Medicare is broken down. Parts A & B Part A will cover hospital stays along with other inpatient services. Part B covers medical, like doctors, visits, lab work, vaccines, emergency rooms and more. Our agents will help you first understand how Medicare works, what it covers, what it doesn’t cover, and what out-of-pocket expenses you should prepare for.
Medicare Advantage Agent Patchogue, NY
If you are thinking about getting a Medicare Advantage plan, you really should consult with a Medicare Agent who works as a broker or independent. These types of agents are able to discuss several different insurance plans and carriers and can make your shopping much easier. If you look on Medicare’s official website Medicare.gov you will see 20-plus Medicare Advantage plans being offered in Patchogue, NY. Each Medicare Advantage plan will cover everything that original Medicare covers as good or better. Most Medicare Advantage plans will also provide Part D drug coverage embedded into their plan. Plans can also offer extras like dental, vision, hearing, gym memberships and more. Our experienced agents can help you find the plan option that allows you to keep your doctors and covers your prescriptions.
Medicare Supplement Agent in Patchogue, NY
Medicare supplements in New York are all standardized so each company that offers a plan is essentially offering you the same exact benefits. The main way you compare Medicare supplement plans in Patchogue is by price, rate stability and customer service. Unlike most states New York is a guarantee issued state, so that means you can never be declined a Medicare supplement plan. Our agents will quickly help you understand how Medicare supplements work and help you shop for the best rates in Patchogue.
Medicare Part D Agent in Patchogue, NY
Medicare Part D is often considered the most confusing part of the Medicare alphabet. Part D is an opt-in program and the way people on Medicare are covered for prescriptions. You can get Part D coverage by itself as a stand alone drug plan or through a Medicare Advantage plan. Each Part D plan has a different drug formulary (list of drugs they cover) as well as different out-of-pocket costs. Part D plans vary greatly in premiums, copays and, most importantly, how many drugs they cover. Speak to one of our agents and they will help walk you through understanding which plan will fit your needs best.
Benefits of Using a Medicare Agent in Patchogue, NY
We offer full service Medicare consulting. Our team of friendly and experienced agents will guide you every step of the way. We make sure you understand when and how to enroll in original Medicare, and what your out-of-pocket risks are. We get to know you and your personal needs and then help you shop for the plans that will make the most sense for your lifestyle and budget. We provide all of our services for free and are available year-round for customer service in case you have any issues.