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Your Medicare FAQs Answered

Informative session on Medicare Supplement plans in Michigan

HELPING YOU PUT TOGETHER YOUR MEDICARE PUZZLE

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)

jim.neil@medicarebenefitsgroup.com – 734-657-4797

MEDICARE INSURANCE

MADE SIMPLE

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Medicare Benefits Group Blog: Navigating Your Health and Medicare Insurance Options

Welcome to Medicare Benefits Group, where expert guidance meets your healthcare needs. Let’s explore common questions about Medicare, health insurance, dental insurance, and more, integrating key terms to better assist you.

How Do I Enroll in Medicare?

Enrolling in Medicare, a crucial health insurance for seniors, involves a few steps. If you’re receiving Social Security benefits, you’ll automatically receive your Medicare card. Otherwise, enroll through the Social Security Administration, in-person, by calling (800) 772-1213, or online at SSA.GOV.

Will Avoiding a Broker Save on Insurance Costs?

No, insurance rates, whether for Medicare plans or health plans, are consistent. As a broker, MBG helps you compare various Medicare options, including Medicare Advantage plans, to find the best fit.

How Does MBG Get Compensated? Is There A Fee?

MBG receives a commission from insurance providers, whether for Medicare Advantage, Medicare supplements, or prescription drug plans, ensuring unbiased advice for your Medicare health insurance plan needs.

Do Providers Accept Your Plans?

Yes, our comprehensive portfolio includes Medicare HMO and PPO plans, dental coverage, and vision insurance plans, ensuring wide acceptance by healthcare providers.

Comparing Medigap and Medicare Advantage Plans

Deciding between Medicare supplement plans and Medicare Advantage plans requires careful consideration of your health insurance needs. We assist in comparing these options, including prescription drug coverage and additional benefits like dental insurance and vision insurance.

Low Premium Medicare Advantage Plans: How?

Medicare Advantage plans, including Medicare Advantage prescription drug plans, can offer low or no premiums due to Medicare subsidizing these health insurance plans. We guide you in comparing these plans based on features, copays, and star ratings.

First-Time Enrollment in Medicare Advantage

To enroll in a Medicare Advantage plan for the first time, utilize the Annual Election Period (AEP). This period is crucial for evaluating your Medicare options, including Medicare Part D and Medicare Advantage health plans.

Switching to Original Medicare and Part D Plans

If you choose to return to Original Medicare, you can also select a Part D prescription drug plan. This flexibility allows for tailored health insurance coverage, including options for prescription drug insurance.

Making Changes During Open Enrollment: Any Penalties?

The Medicare Advantage Open Enrollment Period offers a penalty-free opportunity to adjust your Medicare Advantage plan, whether it’s a Medicare Advantage HMO, PPO, or another type.

Using an Insurance Agent: Is There a Fee?

Typically, using an insurance agent for Medicare or health insurance plan changes doesn’t incur direct fees, as agents receive commissions from insurance companies.

Confirming Enrollment Changes

You’ll receive confirmation from Medicare or your plan provider upon successfully changing your Medicare health plan, be it a Medicare supplement plan, Medicare Advantage plan, or prescription drug plan.

Flexibility in Enrollment Methods

You have the flexibility to switch between enrollment methods, whether starting online or finalizing with an agent, for your Medicare Advantage or Medicare supplement plans.

Discontinued Plans: What to Do?

If your Medicare Advantage or prescription drug plan is discontinued, you’ll be informed and can choose a new plan during the AEP.

Missed the AEP: What Next?

Missing the AEP means waiting for the next period, unless you qualify for a Special Enrollment Period (SEP) for your Medicare health insurance plan.

User-Friendly Medicare Plan Finder Tool

The Medicare Plan Finder tool is designed to be user-friendly, assisting in finding the right Medicare Advantage, prescription drug, or Medicare health plan.

Mid-Year Plan Changes

Changes outside the AEP can be made during Special Enrollment Periods (SEPs), based on life events, affecting your Medicare Advantage or prescription drug coverage.

Professional Help for Plan Comparison

Medicare advisors can assist in comparing Medicare Advantage plans, Medicare supplements, prescription drug plans, and other health insurance options.

Annual Occurrence of the AEP

The AEP occurs annually, allowing beneficiaries to review and change their Medicare health insurance plan, including Medicare Advantage and prescription drug plans.

Duration of SEPs

Special Enrollment Periods (SEPs) provide a limited window, usually about two months, to make changes to your Medicare health plans, including Medicare Advantage and prescription drug coverage.

Making Changes During SEPs

The changes you can make during an SEP depend on the event, whether it’s for your Medicare Advantage plan, prescription drug plan, or other Medicare health insurance options.

No Qualification for SEP

If you don’t qualify for an SEP and missed the AEP, you may have to wait until the next AEP to adjust your Medicare plans, including Medicare supplements and Medicare Advantage plans.

Reverting Changes Made During the AEP

You can adjust your choices during the AEP, whether for Medicare Advantage plans, Medicare Part D, or Medicare supplements, with the last decision being final.

No Need to Re-Enroll in Current Plans

If your Medicare Advantage or Medicare Part D plan is satisfactory and available the next year, it will auto-renew. Always review any changes to your Medicare health insurance plan.

We at Medicare Benefits Group are committed to helping you navigate your Medicare and health insurance needs. Contact us for personalized advice on Medicare options, including Medicare Advantage plans, prescription drug plans, and Medicare supplements.

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)

https://www.medicarebenefitsgroup.com/contact/

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What Our Customers Have To Say

Shecter Calendar
Shecter Calendar
2023-05-12
Very knowledgeable, friendly, easy to work with.
Cindy
Cindy
2023-05-11
Jim was a great resource who was recommend by my financial advisor. His explanations of the various options were straight forward and very informative. He asked me pertinent questions about my health in order to tailor a plan to best fit my needs.
beth swartz
beth swartz
2023-05-10
very knowledgable
Loventry Robinson
Loventry Robinson
2023-05-10
Jim is patient and very knowledgeable in his work. He helped me to get the Medicare advantage plan I wanted, and I am very satisfied.
Teresa Orr
Teresa Orr
2023-05-10
Jim was very helpful in explaining coverages and explaining the steps I needed to take to get Medicare. I highly recommend him. He is very knowledgeable on all aspects of care and made it easy for me to enroll in coverage.
Laurie Eisenbraun
Laurie Eisenbraun
2023-05-08
Jim was able to provide tailored Medical Gap policy solutions that fit my and my husbands individual needs. Jim is knowledgeable about all the potential policies that could work for us.
Denise Bensch
Denise Bensch
2023-05-04
I want to thank James Neil for making the Medicare Insurance sign up process so easy. He took what I thought would be a frustrating and confusing process, and made it a pleasure. He clearly explained our options and gave us information in an easy to understand manner. I will definitely recommend his services to friends and family.
Chris Bensch
Chris Bensch
2023-05-04
Mr. Neal is extremely knowledgeable & helpful. He did an excellent job of explaining how everything works and presented our options clearly. I'd strongly recommend anyone nearing retirement, considering a benefit change or simply looking for an overview of their options contact him.
Patrick Lennane
Patrick Lennane
2023-05-01
Awesome experience, explained all options clearly and made it easy to make a healthcare decision. Highly recommend!
KATHY TROHA-AUSTIN
KATHY TROHA-AUSTIN
2023-04-24
These two (Jim and Jennifer) were awesome. Extremely knowledgable about the entire process. Would highly recommend them.