Medicare Explained in
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Helping seniors navigate the Medicare maze by explaining Medicare in plain English, saving them time and money
Specializing in Medicare plans for seniors and representing all Medicare Supplement plan types.
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“I would still be lost on the internet had I not met Lew. He will leave you with no questions or concerns, and he will put you at ease. His job is to make the complex simple.”
“I saved over $150 a month and my benefits and doctor will remain the same. Not only that but Lew helped me save money on my prescriptions.”
“Lew is an expert on the subject of Medicare. I trust Lew and would recommend him to all my friends approaching the ominous milestone of 65. It is obvious that he enjoys helping people navigate through this maze of information.”
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I help seniors confused by their Medicare options by explaining Medicare in plain English.
“Lew went above and beyond assisting us with this confusing and stressful process. I recommend Lew for any of your Medicare questions and needs. On top of that, he was very professional, friendly and courteous through the entire process.”
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Lew Barr
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Medicare in Plain English
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- The Basics of Medicare
- Enrolling in Medicare When Turning 65
- Comparing Medicare Plan F vs Plan G
- Finding a Medicare Doctor
- Setup a MyMedicare.gov Account
Medicare is health insurance for people 65 and older and also people under 65 that have certain disabilities. The four parts of Medicare are Parts A, B, C, and D.
Medicare Parts A & B are often referred to as Original Medicare. Medicare Part C refers to Medicare Advantage plans and Medicare Part D covers prescription drug plans.
If you are turning 65 and ready to retire, and have no other creditable coverage, you will need to sign up for Medicare Part A & B. You have a seven-month Initial Enrollment Period (IEP) which begins three months before the month you turn 65 and includes the month you turn 65 and ends three months after the month you turn 65. If you are receiving Social Security or Railroad Retirement Benefits, you will automatically be enrolled in Medicare Part A & Part B.
Medicare Supplement Plan F pays 100% of all Medicare-approved expenses. With Medicare Supplement Plan G, you are responsible for paying the Medicare Part B deductible, which for 2020 is $198.00. After you pay the Medicare Part B deductible, Plan G will pay 100% of all Medicare-approved expenses for the remainder of the calendar year.
The Medicare Part B deductible is an annual deductible, so you will be responsible for paying it once a year before Medicare Plan G will cover its share of Medicare Part B approved expenses.
Looking for a doctor who takes Medicare? If so you may want to use the Medicare Physician Compare tool located on the Medicare.gov website as all physicians listed participate in Medicare. There are three ways to research or select a doctor using the Medicare Physician Compare tool.
1. You can search by your location and the specialty of the physician.
2. You can search for a specialist using the search by “Body Part” tool.
3. You can also browse by specialty.
Creating a MyMedicar.gov account is simple and straight forward as most of the information you need is on your Medicare Card.
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Medicare Supplement Plans
Medicare Supplement Insurance plans are standardized plans to cover the gaps in Original Medicare. Medicare Supplement plans allow you to choose any doctor or hospital that accepts Medicare and to see specialists without referrals. Medicare Supplement plans offer nationwide coverage. Medicare Supplement plans, limit out-of-pocket exposure.
Medicare Part D
Medicare Part D prescription drug plans help with the cost of prescription drugs and are sold by private insurance companies. Medicare Part D drug plans have different premiums and different drug lists (called a formulary.)There are over 20 different Medicare drug plans offered in Colorado. Do you know how to find the plan that is right for you?
We represent all Medicare Supplement Plan types.
BY RESPONDING TO THIS WEBSITE, I UNDERSTAND A LICENSED INSURANCE AGENT MAY CONTACT ME BY TELEPHONE, EMAIL, OR MAIL TO DISCUSS MEDICARE ADVANTAGE, PRESCRIPTION DRUG PLANS, AND MEDICARE SUPPLEMENT INSURANCE PLANS.