CONTACT MBG ON SOCIAL MEDIA
MBG is an insurance broker and is not associated, endorsed, or authorized by the Social Security Administration, the Department of Health and Human Services, or the Center for Medicare and Medicaid Services (CMS)
Medicare can be very confusing. Most people don’t understand the differences between all the plan options. There is not a one-size-fits-all solution. Selecting the wrong plan can cost you thousands in co-pays and deductibles.
Over the years, we’ve assisted thousands of people with their Medicare planning, from advice surrounding when and how to apply for Medicare, to helping select the right plan based on their specific needs.
Our service is free. We work for you, not the insurance companies. We do all the paperwork, ensure your doctors are in network, and review
your account every year to determine if your plan needs to be adjusted based on medical changes or if we can find you additional savings.
Our service is free. We work for you, not the insurance companies. We do all the paperwork, ensure your doctors are in network, and review
your account every year to determine if your plan needs to be adjusted based on medical changes or if we can find you additional savings.
Medicare is the Federal health
insurance program for:
There are two different parts of Original Medicare that help cover specific services which are referred to as Part A and Part B. For a summary of premiums, deductibles, coinsurance, and other costs associated to Part A and Part B Click here.
In general, think of this like ‘room and board’ when you’re in the hospital. This is an entitlement benefit, meaning most people are entitled to their Part A at age 65 because they have paid into Social Security and Medicare as part of their income taxes every year and therefore are entitled to Part A premium-free. The deductibles, coinsurance, and out-of-pocket costs within Part A can quickly add up. Learn more
Most people associate Medicare coverage with Part B because this is the major medical, or ‘doctoring,’ part. This includes services such as doctor visits, labs, x-rays, CT’s, surgeon fees, physical therapy, and everything in between. In 2023, most people will pay a monthly premium of $164.90 for Part B, a decrease from the $170.10 in 2022 (higher income earners will pay more due to an Income Related Monthly Adjustment Amount, or IRMAA); this deducts automatically out of a beneficiary’s Social Security income, or if the SSI is deferred, the Social Security Administration will mail a bill (usually quarterly). This premium gives the Medicare beneficiary 80/20 major medical coverage: Medicare pays 80% of major medical costs, leaving the Medicare beneficiary responsible for the other 20%, with no maximum out of pocket. Learn more.
It is becoming more common for people to work past the age of 65 and keep employer health benefits. This may or may not be a good idea as it all depends on how much it costs as well as how good or bad the coverage is. Medicare.gov provides some good information about employer coverage here, however we recommend calling us with your specific situation at (734) 657-4797 so we can advise you accordingly. You can also request a free quote here.
There are two plan types to choose from:
These plans provide all of your Part A and Part B benefits, which include hospital and medical coverage. Most Advantage plans include Part D Prescription Drug coverage and usually include many additional benefits not covered by Original Medicare.
These plans help pay for healthcare costs such as co-pays and deductibles. They help fill the ‘gaps’ of Original Medicare with the freedom to go to any doctor in the U.S. that takes Medicare.
Part D coverage is obtained as a standalone prescription drug plan or included in a
Medicare Advantage (Part C) plan that offers coverage for medication costs.
These plans are tailored to fit your specific needs and budget.
There are several ways to incorporate a dental plan into your overall insurance coverage. Medicare Advantage plans (Part C) usually include limited dental (i.e. one or two cleanings per year). Medigap plans do not include any routine dental coverage. In either case, many of our clients opt for more comprehensive dental coverage, which may also include some vision and hearing benefits.
If you are not yet eligible for Medicare and need information on ‘regular’ health insurance coverage, we can assist you. Obamacare is very confusing. We’ve helped countless individuals maximize their premium savings by ensuring they take full advantage of the tax credits they are entitled to. Also, there are many ‘off-marketplace’ plans that offer much less expensive premiums.
Our service is free. We work for you, not the insurance companies. We do all the paperwork, ensure your doctors are in network, and review your account every year to determine if your plan needs to be adjusted based on medical changes or if we can find you additional savings.
Navigating the complex world of Medicare insurance in Michigan can be overwhelming, but our step-by-step process makes it easy. We’ll guide you through the process of understanding your Medicare options, selecting the
right plan for your needs, and enrolling in coverage.
Determine Your Eligibility
Understand Your Options
Choose plan & Enroll
Continued Client Support
At Medicare Benefits Group, we pride ourselves on providing exceptional services to our valued clients. We are delighted to announce that we have been accredited by the prestigious Better Business Bureau (BBB) and have
achieved the highest rating possible—an A+ rating.
When you choose Medicare Benefits Group, you can have peace of mind knowing that you are working with a company that has met the BBB’s stringent standards for excellence. Our A+ rating signifies our dedication to customer satisfaction, fair business practices, and resolving any concerns promptly and efficiently.
Hello, Commerce Township! With the growing interest in Medicare Advantage (Part C) plans, it’s clear …
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MBG Is a Medicare insurance broker out of Commerce Township Michigan
This is a proprietary website and is not associated, endorsed, or authorized by the Social Security Administration, the Department of Health and Human Services, or the Center for Medicare and Medicaid Services (CMS). This site contains decision-support content and information about Medicare, services related to Medicare, and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov
DISCLAIMER:
We do not offer every plan available in your area. Currently we represent 10 organizations which offer 85 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Jim Neil | Licensed Agent | CEO
direct: 734-657-4797
email: Jim.Neil@MedicareBenefitsGroup.com
