The ABC’s of Medicare

Chances are if you are on Medicare or will soon be eligible for Medicare, you will feel that you have to learn your ABC’s all over again.

That’s because:

Part A is for hospital expenses.

Part B is for physician expenses.

Part C is for Medicare Advantage plans.

Part D is for Medicare Prescription Drug Plans.

When you are about to become eligible for Medicare, insurance companies that sell Medicare plans will begin to send you mail about three to six months prior to you turning 65.   It is nothing for me to see piles upon piles of mail stacked up when first meeting with clients.

This leaves clients feeling frustrated, confused, and overwhelmed with what exactly has to be done.

My advice is to reach out to us approximately three months prior to becoming eligible for Medicare.    Whether you are still working or not, it is important to know all the facts about your choices.

That’s because:

A.  Action – You may or may not need to take action on enrolling in Medicare if you are still working.    If your health plan through your employer is equal or better than what Medicare offers and you want to continue working, you may not need to do anything when you are first eligible.

B.  Best option for your specific needs – At Balanced Care, we understand that healthcare is a personal choice.    It is not our healthcare, it is yours.    That is why we lay out every option that is available in the states of NH and Maine, educate you on each plan, and let you take your time to decide what is best for you.  Your family is always welcome to sit along on any appointment to make sure every question you have is answered.

C.  Consultation – We want you to know that our consultations are always free and are designed to provide as much information to you.   If you were to purchase a product that we discuss, we do earn a commission directly from the insurance company.    You never pay us directly.

D.  Decisions – We respect your personal decision no matter what you decide.    It is our responsibility to give you an accurate picture of what Medicare pays for, what plans will help you with out of pocket costs, and show you how to save as much as possible with drug costs.

Just like when you were a child learning your ABC’s for the first time, you can understand the complexity of Medicare with Balanced Care walking along you every step of the way.

 

512803HC_CropTerri Trepanier is the owner of Balanced Care Health and Supplemental Insurance and a licensed insurance consultant and broker with Associated Brokers.    Licensed in both Maine and NH,  her specialty is working with small businesses, individuals, and families with their health and life insurance needs.  She is certified to offer health plans both on and off the exchange and is contracted with every health insurance company that offers plans in both New Hampshire and Maine.  Her other passion is assisting Medicare beneficiaries with their Medicare Supplemental, Medicare Part D Prescription Drug Plans, and Medicare Advantage plans. Terri has seen firsthand the importance of insurance products and how they help families.  Her goal with Balanced Care is to “Insure Security and Peace of Mind One Family at a Time”

 

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