Medicare Supplements and Pre-Existing Conditions

Medicare Supplements and Pre Existing ConditionsLately, I have had people asking me about enrolling in a Medicare Supplement plan when they have a pre-existing condition. They want to know can they get coverage and if they can, if it will affect their rates.

First off, know that yes, you can enroll in a Medicare Supplement and no, it will not affect your rates.  (more…)

Enrolling in Medicare After Turning 65

Medicare, what you need to know if you are planning to work past age 65.

I am often asked, “Does a person need to enroll in Medicare Part A & B if they plan to continue to work after turning 65?” The answer is, “It depends.” As found on page 24 in the 2017 Medicare and You handbook, “If you or your spouse is still working and you have health coverage through that employer or union, contact your employer or union benefits administrator to find out how your coverage works with Medicare.” (more…)

Enrolling in Medicare When You Turn 65

Medicare QuestionsMany people become eligible for Medicare when turning age 65. If you delay your Medicare enrollment and do not have other creditable coverage, it can result in financial penalties and/or delays in your Medicare coverage. (more…)

Understanding Medicare Enrollment Periods

Below is a short video from CMS (Centers for Medicare and Medicaid Services) about the Medicare Enrollment Periods. The explanation is straightforward but one item they fail to make clear is Part B enrollment if you plan to work past 65. (more…)