Medicare FAQs
Medicare can be very confusing. Read through the Q&As below to help answer some of your basic Medicare questions. Schedule an appointment for one of our agents to walk you through the process.
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If you are first learning about Medicare and are a bit confused, don’t worry; that happens to everyone! While it comes off as complex, it is simpler than it may seem. Medicare is the government health insurance program for people who are 65 and older. People experiencing kidney failure or who are receiving social security disability are also eligible.
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If you are collecting Social Security before turning 65, you will be signed up for Medicare automatically. The card will be sent to you in the mail usually a few months before turning 65.
If not, you will have to sign yourself up for Medicare A and B. The Medicare application can be found on the Social Security website. Here is the direct link to make it easier to sign up: https://secure.ssa.gov/iClaim/rib
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This is a very common question I get asked. Some people are still working and would like to keep their work coverage rather than go on Medicare. You can do this if you have what is known as creditable coverage. Creditable coverage is coverage that is either as good as or better than the coverage offered by Medicare. Most insurance at employers with at least 20 employees is considered creditable. However, it is always worth checking with your employer to ensure your coverage is creditable. They can provide you with what is known as a “Letter of Creditable Coverage.”
Even if you are still working, it is worth giving me a call to compare your current coverage with what is available under Medicare. Some people find Medicare may be cheaper or offer more comprehensive coverage than what they have currently.
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