Free Medicare Insurance Help
​ from Carol Locke

About Us

Welcome

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Medicare  is confusing and ever-changing- if you do not have your plans  occasionally reviewed, you could be missing out on benefits or cost  savings. If you are new to Medicare, just moved or need a review... let  me help set up your Insurance to achieve exactly what you need at a  price you can afford!


Working with clients in the following states:


Florida 

Texas

Georgia

Virginia

California

New York

Indiana

Medicare Plan Types

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    Medicare Supplements

Medicare Advantage Plans

Medicare Part D

Cancer Lump Sum Plans

Heart/Stroke Lump Sum Plans


About Us

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I was born and raised in Syracuse NY!  I had a wonderful career with US Airways for 25 years (living at points in Pennsylvania and New Jersey).  After taking a buyout due to downsizing - my family moved to Florida to help my elderly mother and in-laws.  I learned about how Medicare worked by helping my mother with her bills.  Next thing I know - I was helping a few of her friends also!  I noticed how different all their plans were and how some of them were overpaying for the same coverage. My neighbor was a broker for Medicare plans- so he showed me how to get my next career started as a Medicare Insurance Broker!  I love helping people and never looked back! It bothers me when I see people overpaying or not being on the best plan for their needs.  I represent most of the major companies that deal with Medicare in (Supplements, Advantage Plans and RX). There is no cost to you to use my services; I get paid by the companies to enroll and keep people informed.  Call me for a free review.  I treat everyone as if they were my family and that I need to make certain they get the best for them!

Medicare 101

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After getting Original Medicare started (Part A and Part B) - you can then decide on picking either a supplement (Medigap policy) with a stand alone drug plan OR a Medicare Advantage plan (Part C).  You do not do both- one or the other.  Also if you have Tricare or a plan your employer offers- you would not need a Medigap or Advantage plan policy.  If you have employer coverage- good to compare to your Medicare choices to see which is best for you!

CAROL'S TIP- MANY CHOICES SEEMS CONFUSING - BUT CHOICES ARE GOOD! YOU GET TO PICK THE BEST FIT FOR YOU! HUSBAND AND WIFE DO NOT NEED TO BE STUCK ON THE SAME PLAN! 

Advantage Plans Vs. Supplements

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Medicare Advantage Plans

Medicare Advantage Plans (Part C) is an alternative to using Original Medicare with a Medigap policy and stand-alone drug plan. You still pay a premium for belonging to Part A and Part B but pay the co-payments, coinsurance and deductables associated with the Advantage Plan instead. Additional benefits can include routine hearing and vision care.  Some plans also include gym memberships, limited dental and even some amount to spend in a catalog for over the counter items (like aspirin, vitamins, etc.)  Advantage plans cover all the benefits of Medicare Part A, including hospital stays, skilled nursing care, and home health care.  The plan also has to cover Part B benefits including doctor visits, lab work, outpatient care, etc.  Most include a Part D prescription drug coverage.  Advantage plan works very similar to employer sponsored health plans that you may have had or currently have.  

FEATURES OF MEDICARE ADVANTAGE PLANS
1. You must have Medicare Part A and B active.
2. The plans usually are network based- such as an HMO or PPO so you must keep aware of the doctors and facilities in your plan.
3. Part D coverage is usually included for a "One care for everything" feature.
4. Emergency coverage only outside of Network area.
5. Most are Zero Premium or very low premium (but you must still pay Medicare for your Part B)- but you will have copayments, deductables and coinsurances as you use plan.
6. You can not change plans until Annual Enrollment Period October 15- December 7th - to begin for January of following year. (unless a Special election is available).

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MEDICARE SUPPLEMENT PLANS

A Medicare Supplement Insurance (Medigap) policy, is sold by private companies and can help pay some or all of the health care costs that Original Medicare does not cover, like co-payments, coinsurance and deductables.  Some Medigap polices even offer extra services not offered from Original Medicare like medical care outside the US or maybe even a gym membership discount. If you purchase a Medigap policy- your original Medicare (Part A and B card) will be your main insurance and then the policy pays its share of the remaining of the bill.
Vision, hearing and dental not covered under these plans BUT MAY BE ADDED ON AS EXTRA!
 

​FEATURES OF A MEDICARE SUPPLEMENT (MEDIGAP)

1. You must have Medicare Part A and Part B active.
2. You pay the private insurance company a monthly premium for the policy in addition to the Part B premium that you pay Medicare.
3. There is a No- Network feature with using this setup so you can go to any doctor taking new Medicare patients; even to another state!
4.Any standard Medigap policy is guaranteed renewable even if you have health problems. As long as you pay your premium; the company can not cancel your policy.
5. The Medigap policy does not include any RX coverage so you should also at the same time sign up for a Part D stand- alone drug plan.  Does not have to be the same company as the Medigap company.
6. BEST TIME TO GET MEDIGAP POLICY is when you first get on Part B- see below information.
7. The standard Medigap polices (about 10 choices) are the same with each company- the difference is the price they charge- so have broker (like Carol) shop around for you.
8. Medigap policy only covers one person- spouse needs to get separate plan.
9. You can not have both a Medigap policy and an Advantage plan or work insurance. Pick only one way to cover your health insurance.
10. You can change your Medigap policy any month to another company  - usually only need to to do if it saves you money - but in most states you will then have medical questions to answer.


BEST TIME TO BUY MEDIGAP POLICY

The best time to buy a Medigap policy is during your Medigap OPEN ENROLLMENT Period.  This 6 month period begins on the first day of the month is which you're 65 or older (unless you get it younger) and enrolled in Part B (some states have additional Open Enrollment Periods). After this enrollment period, your option to buy a Medigap policy may be limited (medical questions can be asked) and it may cost more. If you delay Part  B because of have employer insurance- your Medigap Open Enrollment Period will not start until you sign up for Part B.  There is also some Guaranteed Issue reasons you can get it at a later date. Check with Carol.

THE STAND ALONE PART D DRUG PLANS ARE MEANT TO GO WITH THE SUPPLEMENTS TO COMPLETE THEM.


How to Apply for Medicare

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How to Apply for Your Medicare A and B Card

HOW DO I ENROLL IN PART A AND PART B?

 FIRST OF ALL- MAKE SURE YOU NEED BOTH A AND B  AT THE SAME TIME - MOST PEOPLE DO BUT A COMMON EXAMPLE OF WHEN TO HOLD OFF ON PART B IS IF YOU ARE STILL ACTIVELY WORKING AND RECEIVING WORK INSURANCE FOR ANOTHER FEW YEARS.  CALL CAROL TO CHECK ON YOUR QUESTIONS WITH THIS!  READ SECTION ON WORKING PAST 65.

IF YOU ARE ALREADY RECEIVING YOUR SOCIAL SECURITY

If you are already receiving your Social Security payment (or disability SSI payment) - your Medicare Part A and B card will automatically come to you in the mail about 3 months before your birthday month.  Be on the look out because you will most likely also be getting tons of ads for all the different types of Medicare plans available to you so some people think the Medicare card is just another advertisement!

Special note for SSI people getting disability- you will be signed up for Medicare Part A and B after a 24 month period of being on disability; so you may not even know it is coming if no one advised you of this rule.

IF YOU ARE NOT RECEIVING YOUR SOCIAL SECURITY YET

 You will not be signed up for Medicare Part A or B until YOU activate it!  The ways to do this are:

1. Go to Medicare.gov or SSA.gov and find the link to sign up for Medicare Part A and B.  Answer the questions and you will get a confirmation number (be sure to write this down!).  Check back in a week or so and see if it finished processing. If not- you can call Social Security at 1-800-772 -1213 and give them the confirmation number to check on the progress. You will eventually receive your Medicare card in the mail

2. Call Social Security at above number and tell them you want to enroll in Medicare Part A and B.  Do this within the 3 month window before your birthday month.  DO NOT ask them about other things like your Social Security payment when you call or they may tell you that for all your questions you need to make an appointment with them, the appointment will be about a month away because they are busy.  Of course if you want this appointment; go right ahead!  The appointment call be a phone call appointment or you can go down to their building. Be prepared to be on hold for 45 minutes or so.

3. Go directly to the Social Security Office in your area within your 3 month time frame before your Medicare start month.  When it is your turn to talk to them, ask only about activating your Medicare Part A and B card.  Otherwise they will tell you to make an appointment.
               



 

CAROL'S TIP- MEDIGAP AND SUPPLENTS ARE THE SAME THING- JUST DIFFERENT WAYS TO SAY IT! 

ALSO PART C AND ADVANTAGE PLANS ARE THE SAME THING! SOME PEOPLE EVEN CALL THEM REPLACEMENT PLANS! MANY NAMES FOR SAME THING!

MOST THE TIME ALL THE EXTRA ADD ON'S ARE MORE ON THE ADVANTAGE PLANS.  THERE MAY BE A FEW THAT GO ALONG WITH THE SUPPLEMENTS (MEDIGAP PLANS) BUT GENERALLY NOT AS MUCH.

                                                                                                                                               


 

Site Content

Important Dates

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Open Enrollment Period

For people new to Medicare - you have a seven month window to enroll in a plan.  3 months before your birthday month, your birthday month, and the 3 months after.  If you miss this- call for guidelines on when your next opportunity is. Also Open Enrollment if you are just adding Part B at a later date(like when leaving group coverage) usually with this you get 2 months to get an Advantage plan or prescriptions drug plan or up to 6 months to add Medigap policy.

​Annual Enrollment Period
October 15 to December 7th 

This is when people already on a Medicare plan can make changes if needed.  The changes will take effect January of the next year.  Example would be changing your Medicare Advantage plan HMO to another company or to the PPO version.  People with Extra Prescription Help or Medicaid get additional dates (check with Carol)

Possible rule changes in the works for 2019. If you like your current plan you do not need to enroll again- it just keeps going the following year as long as it is still available.

There are many other possible date rules depending on certain situations - like moving to another state ,losing group insurance , qualifying for Medicaid, etc.  These are known as Special Election Periods and would open up other times you could change plans, etc. Just ask to see if you qualify.


Special Situations


Certain situations give you a special time to change your plan you currently have. Examples are:

Moving, qualifying for Medicaid or Extra Prescription Help, getting work insurance again. There are more also- if you think you may have one; please call and check with me!

904-891-8659 




Helpful Websites and Numbers

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Social Security

www.SSA.gov

​1-800-772-1213
Full of Information on your Social Security Benefits

 

Medicare

www.Medicare.gov

1-800-633-4227
Full of information on Medicare
Also go online and download the Medicare and YouGuide.  All your rules and information.


 

Extra Prescription Help

https://ssa.gov/benefits/medicare/prescriptionhelp/

​​If your income is below a certain level to see if you qualify for lower RX prices

You can also call Social Security for this benefit.


 

Medicaid

www.medicaid.gov/medicaid/index.html

Resource to see if you qualify for Medicaid in your state

Working Past 65

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Working Past Age 65​

If you are actively working you group health insurance (and company is over 20 employees) you generally do not have to sign up for Medicare at 65.  You can keep the group health insurance till you retire. Part B cost money (average $134 in 2018) so many people do not want it until it is time. Check with your Human Resource person on their rules.  You can still activate the Part A hospital part as a second coverage to your main work insurance. This is no cost (as long as you have your 40 quarters in) and just extra coverage for you.  NOW- if your work insurance is expensive or not that great- you should check into your options that Medicare gives you.  Even if you keep working- it might be better for you to decline work insurance and take Medicare instead.  

If you keep work insurance - when the time comes to retire- you will need to get a form from Social Security to add Part B.  Your work signs it to verify things and you get it to Social Security (best to physically go there I think).  

See if your work offers you any type of work insurance after your retire  and if so; compare it to the Medicare choices.  Nothing wrong with have many choices- just pick the one best for your needs.

Medicare Insurance Plans © 2013  |  All Rights Reserved Medicare Insurance Plans.com This is a proprietary website. It is not associated, endorsed or authorized by the Social Security Administration, the Dept. of Health and Human Services or the Center of Medicare and Medicaid Services. This site contains decision support content and information about Medicare insurance and related plans. If you would like more Medicare information you can visit the official U.S. Government site at www.Medicare.gov




 

Employer Plans with Medicare

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Employer Plan Offerings when on Medicare

Many employers do not offer any type of coverage once you retire.  That is okay because you get plenty of options from Medicare. 

BUT some employers do offer some benefits and if so you should compare them to your Medicare options.

Some companies offer plan options; some just give a cash amount they will pay the retiree each year to help pay for premiums.

If you like the employer plan options check on the rules you need to follow. Some employers make you sign up through a special company to get the benefits, etc.  

Just check all your options and read the fine print.  Usually once you decline their offer; you can not go back to it at a later date.  

TriCare and Veterans

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TRICARE 

If you are receiving TRICARE and are eligible for TRICARE FOR LIFE when you turn 65, you will need to contact your TRICARE insurance and they will guide you on the change.​

Generally you will need to sign up for Medicare Part A and B and the TRICARE portion will become secondary to pay the rest of the bill (similar to a Medigap policy plus drug coverage but less costly).  Your TRICARE office will go over the current rules with you.  So in this case you will not need any of the Medicare plans except for the Original Medicare card.

VETERANS

People who use the VA hospital and doctors but do not have TRICARE are in this category.  You usually want to have more options than the VA so you an also sign up for Medicare Part A and B and choose an Advantage plan or Medigap policy (and also a Part D ). This will not change the fact that you can use the VA for what you wish and use the other Medicare insurance for outside the VA. Just let the VA know of your new insurance so they can record the information.   It is okay to use the VA for certain drugs and a Part D for other drugs.  Just check this out before you make the election.



Cancer or Heart/Stroke Plans

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Cancer or Heart/Stroke Lump Sum Plans (also known as Critical Illness Plans)


With all the advances in Medicine more and more people are getting good news about making through with Cancer, Heart or Stroke.  The down side is the cost of getting through it. Many of the costs are not covered under your insurance. Examples are:

Loss of work

Travel

Hiring help 

Some non covered drugs or tests


Lump sum plans for either Cancer or Heart/Stroke are available to cover the extras.  Upon diagnosis; you are sent your check from the amount you signed up for (usually from 5k to 100k).  You chose how to spend it- even if a much needed vacation is what you need- spend it on that.


These low premium plans are a big help for these unexpected problems.  Anyone from age 18 to in their 80's (states vary in ages) can get one.

Call Carol today to ask for a quote.


Accident plans available in most states also.



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Medicare Insurance Plans

18352 NW 88th Avenue Road Reddick, FL 32686 US

(904) 891-8659 Direct Office - (800) 380 - 7765

Hours

Monday - Friday: 9am - 5pm

Saturday - Sunday: Closed - Feel free to leave message!