If you want a no obligation written estimate of your total annual out of pocket expenses for a Medicare plan, Medicare now requires a Scope of Appointment for all meetings about specific plans even if they are not face to face. Please download this file and send it to me after
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When you get your Medicare coverage, you might choose participate in a Medicare Advantage Plan (Part C) and/or Medicare prescription drug coverage (Part D). Medicare has marketing rules for plans sold in the Medicare Advantage program which includes standalone prescription drug plans. Aside from your Initial Election Period which includes the 7 months bracketing your birthday month and the Annual Election Period which occurs every year between October 15 and December 7, you are considered "locked-in" to coverage you sign up for which are annual contracts that insurers have with Medicare. Plans are pretty likely to change on an annual basis, especially as regards to prescription drugs. If your costs are mostly drug driven then an annual review with me is undoubtedly a good idea, especially if you have never had a review. It doesn't cost you anything for a review with this office.
There are specific times when you can sign up for these plans, or make changes to coverage you already have. You don’t need to sign up for Medicare each year. However, each year you’ll have a chance to review your coverage and change plans.
If you are newly eligible for Medicare because you turned 65 you might sign up for a Medicare Advantage Plan and/or a Medicare Prescription Drug Plan. You can enroll in Medicare during the 7-month period that starts 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65. Your coverage will begin the first day of the month after you ask to join a plan. If you join during one of the 3 months before you turn 65, your coverage will begin the first day of the month you turn 65.
If you are newly eligible for Medicare because you have a disability (under 65) you can sign up for a Medicare Advantage Plan or a Medicare Prescription Drug Plan. In some states you might be able to sign up for a Medicare Supplement plan instead of Medicare Advantage. Your Medicare coverage begins 24 months after you get Social Security or Railroad Retirement Board (RRB) disability benefits. You can enroll during the 7-month period that starts 3 months before your 25th month of getting Social Security or RRB disability benefits and ends 3 months after your 25th month of getting disability benefits. Your coverage will begin the first day of the month after you ask to join a plan. If you join during one of the 3 months before you first get Medicare, your coverage will begin the first day of your 25th month of entitlement to disability payments.
There are different types of plans, PPO, HMO, & PFFS. Call or request a quote to see which type is right for you.
Private-Fee-For-Service (PFFS) Plans with no network restrictions are available -- see any health provider that accepts Medicare and accepts the plans terms and conditions of payment.
No health questions asked. All Medicare beneficiaries, including people on Medicare due to a disability, are guaranteed acceptance regardless of health conditions (except End Stage Renal Disease). "Special Needs Plans" with lower or no out-of-pocket costs may be available for you as a "Dual Eligible" -- people enrolled in both Medicare & Medicaid or if you have certain chronic illnesses.
Call (800) 547-1567 to talk to a local United Healthcare® Agent.
Let me help you decide which plan works best for you.
Make sure to check and select the correct location and Medicare Advantage network for accurate results.
United Healthcare Medicare
Health Net ™
Premera Blue Cross
Kaiser Foundation Health Plan of Washington
PacificSource Community Health Plan
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Call (360) 834-0200 or (800) 547-1567 for help sorting through all of this.
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