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Why Medicare?

Once you become eligible, take advantage of Medicare benefits, after all you have earned it! Even if you are still covered by some type of employer coverage, the benefits and cost savings could be substantial. Learning about your options is easy! We are up to date with current conditions in the Medicare landscape. Keeping you informed, so you can spend time doing the things you’d rather be doing.

Basics Of Medicare

Most Americans become eligible for Medicare benefits when they turn 65 years old. However, people under the age of 65 can receive Medicare benefits in the case of disability, in which a person would need to have received Social Security Disability Insurance checks, SSDI, for more than 24 months. Another way to become eligible for Medicare under the age of 65 is if a person is diagnosed with End-Stage Renal Disease, ESRD. Here are some of the most frequently asked questions our visitors ask!

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  • Part A
    Part A covers inpatient hospital services, skilled nursing facilities, home health care and hospice. Remember Part A benefits have limits on the number of days covered. Medicare does not usually cover your care in full and you can be responsible for deductibles, coinsurance or copays. For most people Medicare Part A is $0. For some people if they did not work 40 quarters they may have to pay a premium. To enroll in Part A reach out to social security.
  • Part B
    Part B covers outpatient services such as when you go to an office visit, get surgery (including in a hospital) and have labs done. Other coverages such as ambulance, preventative care, durable medical equipment and home health care also come under your Part B benefit. The monthly Part B premium you will pay changes annually. It is based on your modified adjusted gross income two years prior. Some people in higher income brackets will pay more. To enroll in Part B contact Social Security.
  • Part C
    Part C is Medicare Advantage plans. These are available from private insurance companies. To enroll in a MedAdvantage plan you have to be enrolled in Medicare Part A and Part B and live in the plans service area. Medicare Advantage plans do not use the Medicare network instead they have their own networks and providers. The plans can be HMOs, PPOs, PFFS, or SNPs. These plans also can include Part D drug coverage. Once enrolled you will pay a fee for most services. Depending on where you live you may be able to purchase a Medicare Advantage plan Part C plan for $0 Part C is optional and some people choose to not enroll or enroll in a Medicare Supplement plan instead. We can help those in Washington enroll in Part C.
  • Part D
    Part D is prescription drug coverage. These are available from private insurance companies. There are 20+ drug plans to choose from in Washington. Not every plan covers every drug. Our agents can help research and find the plan that meets your needs. Part D Plans change annually, but typically, in Washington you can purchase a Part D plan for less than $12 a month. Those with higher incomes may have higher premiums for their Part D. Part D is optional and some people choose to not enroll. However, if they want to enroll in the future they may have a Part D late enrollment penalty. McGregor Benefits can help you enroll in a Part D drug plan in Washington.

Contact Us Today

Call us today 214-603-5559, Calling this number will direct you to a licensed insurance agent.

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We provide expert guidance on available HMO, PPO, and Indemnity plan options. A licensed agent will educate you on plan features such as physician networks, and cost analysis for the following: premiums, copays, deductibles. Throughout the enrollment process and post-enrollment, you will have a personal contact to assist with questions, claims, or concerns, should any arise.

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