Why Do I Need Medicare Advice?

Unfortunately, Medicare is anything but simple, and the time when you first qualify for Medicare is a critical one. If you make the right choices, you can be protected for life, and receive all sorts of benefits. Get bad advice and make mistakes? You could be paying penalties and/or lose benefits for the rest of your life.
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Some specific things you must know as you age into Medicare:

• Medicare does not cover prescription drugs. You have to enroll in a separate Rx plan called a PDP.
• Medicare charges you 20% of all outpatient doctor visits. This can be a crushing financial blow if you have a serious condition, but it's easy to cover this exposure with the right advice, no matter your financial situation.
• Medicare doesn’t automatically give you dental, vision or hearing coverage. These are plans you have to elect into. We can often get them for you at $0 additional cost.
• The time when you first qualify for Medicare is a really important one, and there are real penalties for getting things wrong. We make sure this never ever happens to our clients.
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Use our online Medicare enrollment tool to easily get started >

Major Medicare Risks and How to Protect Yourself

Beyond the basics, there are real risks of making the wrong moves, or even of making NO moves (which is crazy right??). Specific examples of these include:

_‍Example 1 - Obtaining Medigap:
‍In most cases (but not all!) you can only get Medigap without having your health scrutinized (and your pricing increased if they find anything) during the first 6 months after you turn 65. If you wait, they can examine your medical records and increase your price dramatically.

_{‍Example 2 - Part B Premiums:}
If you don’t elect to have your part B premiums start when you turn 65, you could be subject to lifetime penalties equal to 10% added onto the price for every 12 months you weren’t enrolled.

_{Example 3 - Enrolling in Extra Help:}

Many people don’t know that if their income qualifies as low enough, they can receive a host of benefits, including money added back to their social security checks, special Medicare plans that include lucrative debit card credits for utility bills, and even help with prescription drugs worth $1000s of dollars per year.