Why Choose a Medicare Advantage Plan
Anyone looking around for Medicare options already has a lot of decisions to make. However, one of the most important ones is whether or not to sign up for a Medicare Advantage Plan.
Medicare Advantage is an alternative way for people with Medicare A and Medicare B to receive benefits. Medicare advantage can help you save money on healthcare coverage and coordinate your benefits and health care providers. Fresh Start can help you decide if Medicare Advantage is right for you.
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Types of Coverage
Medicare Advantage is administrated by private insurance companies who contract with Medicare to provide Part A and Part B coverage. Also with other benefits such as prescription coverage (Part D).
Many Medicare Advantage plans also offer additional benefits such as dental, vision, hearing, and more. At the end of the day, Medicare Advantage may help you save money on your healthcare costs while giving you the best coverage.
Not everything is covered by your Medicare health plan. Medicare Supplement plans cover gaps in your insurance, such as vision, dental, and hearing, and help take care additional costs such as copayments, coinsurance, and deductibles. Medicare Supplement plans are offered by private insurance carriers.
Prescription Drug Plans
Medicare Part D provides additional coverage for your prescription drug costs. It can be purchased individually or as part of a Medicare Advantage Plan.
How much do your services cost?
Our services are completely free. You will never receive a bill or pay a cent for our services.
How do you get paid?
Like other types of insurance agents, health insurance agents are compensated by the carrier. We are dedicated to making you and your health our #1 priority. We’ll never pressure you into choosing a plan that isn’t right for you and there is no obligation to enroll.
My 65th birthday is approaching, is it too soon to enroll in Medicare?
As you approach 65, you have a 7-month period (called an Initial Enrollment Period or IEP) during which you can enroll in Medicare. This period begins 3 months before your birth month and ends 3 months after your birth month.
When will my coverage begin?
If you enrolled during your Initial Enrollment Period, then your coverage starts at the beginning of the month indicated on your Medicare card. Otherwise, your coverage starts at the beginning of the month following enrollment.
If you enroll in a new plan during the Annual Enrollment Period (AEP) then your coverage begins January 1 of the following year.
When is the Annual Enrollment Period?
AEP begins October 15 and continues through December 7. It is important to review your plan each year during AEP to make sure it is still the best plan for your needs.
Can one of your Medicare agents simply tell me what my benefit options are over the phone?
Our agents are more than happy to help you understand your benefit options. Before we can do that, though, the Centers of Medicare and Medicaid Services (CMS) requires that we collect a Scope of Appointment from you before discussing your insurance product options.
Why do I have to sign a Scope of Appointment?
Federal guidelines require that we complete a signed Scope of Appointment identifying which insurance product options you would like to discuss with an agent. Don’t worry, this form does not enroll you in a plan or obligate you to enroll, it simply allows us to present coverage options and review plan-specific details.