Category: Medicare

When you turn 65, you become eligible for Medicare, which is medical insurance that you contribute to all of your working years. It is administered by the government in its original form. It can be pretty scary if you don’t understand all your options. 

A. L. Saland Insurance Solutions Inc in Florida can help you to understand your options and the regulations that exist. 

Traditional Medicare

Traditional Medicare is the plan that the government administers. It is Part A and Part B. You can see any doctor or use any medical professional or hospital that accepts Medicare. This will pay 80% of the agreed-upon fee for the service. You are responsible for paying 20%. It includes no dental or prescription coverage. 

Medicare Advantage

Medicare Advantage plans are administered by insurance companies and are known as Part C. You will have a co-pay for some services, and you will know what they are before you visit. Most plans include prescription coverage as well as dental, vision, and hearing. Some also offer gym memberships, over-the-counter allowances, and more. For some, you will pay an additional monthly fee.

Medicare Supplement

Medicare supplement insurance helps to pay the 20% that Medicare doesn’t pay. It is an additional payment that you pay every month. 

Drug Coverage

The government requires that if you are on Medicare, you must have prescription coverage, Medicare Part D. If you don’t have other prescription coverage and choose not to get Part D, at some point when you may need Part D, you will pay a penalty that never goes away. 

Give Us A Call

Give the office of A. L. Saland Insurance Solutions Inc in Florida a call when want help choosing the Medicare plan or plans that are right for you.  

To enroll in Medicare, you should be 65 or disabled and have a Social Security Number. You can also enroll in Medicare at any age if you have end-stage renal disease, a condition that limits your kidney function and causes high blood pressure. 

There are some exceptions, such as if you have a condition that would have prevented you from signing up for Medicare when you were eligible. Those with Lou Gehrig’s or amyotrophic lateral sclerosis at any age can try. Don’t hesitate to seek help from the Florida agency, A. L. Saland Insurance Solutions Inc. 

Qualifying for Medicare Insurance 

You must have been age 65 or older by June 5, 2017, and a U.S. citizen or permanent resident. You may apply for Medicare coverage if you are receiving Social Security disability benefits or if you have end-stage renal disease. You must have worked at least 10 years in the United Red Cross blood donation or have completed a minimum of three years in the United States. 

In most cases, you must also have qualified medical coverage for at least 90 days before applying for Medicare. You may qualify for a special exception if you are in a situation of domestic violence or sexual assault. 

To be eligible, you must have been covered by a qualifying health plan at some point during the past six months. To be covered by a qualifying plan, it must cover at least 60% of all costs for covered benefits. 

If you turn 65 or older, you can qualify for Medicare if you have worked for at least 10 years, have the end-stage renal disease (kidney failure) or are dependent on someone with end-stage renal disease, have amyotrophic lateral sclerosis (Lou Gehrig’s disease) or are a dependent of someone with amyotrophic lateral sclerosis, have been disabled for at least 6 months, or are a widower or widow. 

If you qualify for either type of Medicare, you can then choose between the traditional Medicare program and one of the Medigap plans to cover the costs of prescriptions. 

In addition, you must have paid Medicare taxes for at least 40 quarters if you were age 21 or older when you first earned income that was subject to the Social Security flat rate. Lastly, you must have been medically insured for at least 60 months (three years) and have been receiving Social Security benefits for at least 36 months. 

Contact Us Today

Besides the aforementioned tips, to be eligible for Medicare, you must be enrolled in a qualifying plan, have ended active employment, or have a disability. In some cases, you should’ve ended active employment. Visit A. L. Saland Insurance Solutions Inc for inquiries in Florida.

If you or a family member are enrolled in Medicare A and B, then you know there are certain costs that aren’t covered by the health insurance programs offered by the government. The good news is that you can enroll in a different federal program referred to as Medicare Supplement, aka Medigap. The team at A. L. Saland Insurance Solutions Inc. wants to share some of the benefits of Medicare Supplement insurance with Florida residents.

Worldwide Protection

The great news about most Medicare Supplement insurance policies is that the coverage will go with you regardless of where you are in the world. For instance, if you are in Italy and become ill, the insurance will kick in and pay for some of the costs. However, depending on the terms of your insurance policy, you may be subject to pay a one-time copay or deductible.

Flexibility with Doctor Selection

You won’t have to worry about searching through an extensive list of in-network doctors, as Medicare Supplement insurance allows you to stay with one preferred physician assuming they take Medicare A and B insurance plans. This is true with specialists, hospitals, medical treatment facilities, urgent care, etc.

No Concerns with Cancellation

As long as you remain enrolled in both Medicare A and B health care plans and continue to pay your insurance premiums on time every month, you never have to worry about your Medicare Supplement insurance policy being called. The policy can be renewed every year.

If you would like to learn more about Medicare Supplement insurance, how it works, and how you can benefit from it, reach out to A. L. Saland Insurance Solutions Inc. Our team proudly serves the Florida area and would be happy to help you gain the Medicare insurance coverage you need.