Medicare allows you three months before your 65th birthday month, the month of your 65th birthday, and three months after your 65th birthday month to sign up for Medicare. This allows you time to learn and understand what Medicare has to offer you. First, understand Medicare is complicated and if you are like most people you can become quickly overwhelmed and confused.
With three directions to choose from (Original Medicare, Medicare Supplements, and Medicare Advantage plans) the most important questions are:
Which of those Medicare directions is right for you? Will I need to add a Prescription Drug Plan? What if I don't take medications? What are late enrollment penalties? What role does Part A, B, C D play? What about Veterans plans?
Knowing and understanding the differences early on between each allows you to make a more informed direction decision and avoid common mistakes. Then, once you know the direction you want, you can go 'shopping' for a Medicare plan. How is an agent paid? By the carrier. How is a plan chosen? By your zip code and doctor list, not the agent.
Medicare has been around since 1965 and is a trusted and successful healthcare program. Medicare is very consumer protective, with plan star ratings and consumer surveys. Both the Medicare agent and the carriers are held to high ethical standards, rigorous testing and annual certifications.
To contact a Medicare agent in the NW, give us a call at The Insurance Store Inc.
The Insurance Store, Inc.
252 A ST., SUITE 200