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New To Medicare?

If you are new to Medicare and think it is confusing YOU ARE RIGHT!

Don't worry, you are not alone. 

 

    Medicare has different parts and pieces and sorting it all out can be overwhelming. Being new to Medicare also means you get very popular. TV advertisements from all of the big brands try to sell you on why their plan is the best. Your mailbox is constantly full of guides, brochures, applications, invitations to seminars, etc. The real icing on the cake is that you don't have time to read over everything because your phone keeps ringing off the hook with sales people competing for your business. Sound familiar?

 

    At Medicare Easy Street our job is to put Medicare in its simplest terms so you don't waste time and can get on with life. This website was put together specifically so that you can find answers to your Medicare questions quickly and easily. We want to start with a solid foundation and understanding of Medicare so you know which parts are necessary for you and which aren't. 

 

    This section will cover some of the most common questions we get about Medicare like:

 

 

    To get the ball rolling there are a few steps you will need to take to make sure you are correctly enrolled in Medicare. One quick tip before we get started: The only parts that you get from CMS (the government) are Medicare Part A and Medicare Part B. The rest (Supplemental coverage, Part D Prescription drug, Medicare Advantage, etc) you will get from a private company.

 

    Once you are setup with Medicare you will then need to decide how you want to receive your benefits. There are 2 paths you can choose to go down. The diagram below outlines the two options that are available when you are new to Medicare. 

    

 

From Page 7 of the Choosing a Medigap Policy handbook.

    

   

    Option #1 Would be choosing to receive your benefits directly from Original Medicare. This will allow you to have access to ANY doctor that accepts Medicare nationwide. Since Original Medicare by itself leaves some significant gaps in coverage many people going this route choose to buy a Medicare Supplement (Medigap) plan to fill all or most of those gaps. The third and final piece in this scenario is choosing a Medicare Part D Prescription Drug plan that best suits your needs. 

    

    Option#2 Would be choosing to receive your benefits from a private insurance company through a Medicare Advantage plan (also known as Medicare Part C or Medicare Health Plans). Medicare Advantage plans are usually offered by region and have an HMO or PPO network of doctors to choose from. Medicare Advantage plans are designed to provide coverage equivalent to Original Medicare but must have and Out of pocket spending limit (typically around $5,000-$6,000 per year). Medicare Part D benefits are also typically bundled into most Medicare Advantage plans. 

 

 

    Since the cost and benefits of these plans can vary greatly from company to company using an independent broker can save you a lot of time when looking into your options. Call us at 866-572-9255 or submit your contact information in the box next to this page and one of our licensed brokers can help you get the information you need to make a good, informed decision about your options. Our service is completely free to you!

 

 

 

To continue learning more about Medicare go next to: What is Medicare?