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All these Medicare commercials, what are they talking about?​

All these Medicare commercials, what are they talking about?

Check out this video message to learn more.

Medicare Savings Programs

You can get help from your state paying your Medicare premiums. In some cases, Medicare Savings Programs may also pay  Medicare Part A (Hospital Insurance) and  Medicare Part B (Medical Insurance) deductibles, coinsurance, and copayments if you meet certain conditions. 

How do I apply for Medicare Savings Programs?

  • Do you have, or are you eligible for, Part A?
  • Is your income at, or below, the income limits listed for any of the programs at the links below? 
  • Do you have limited resources, below the limits listed at the links below?
Do you want to know more?
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New to Medicare? Start Here​

New to Medicare? Start Here!

There are so many Medicare options. Which one is right for you?

Let us help at MedMyWay. Schedule a time with us to discuss your options.

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What are the Parts of Medicare?

The Four Parts of Medicare

Check out the video above to learn about parts of Medicare.

Summary of the Parts of Medicare ...

Part A. Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. coverage if you or your spouse paid Medicare taxes for a certain amount of time while working. This is sometimes called “premium-free Part A.” Most people get premium-free Part A.

Part B. Medicare Part B helps cover medical services like doctors’ services, outpatient care, and other medical services that Part A doesn’t cover. Part B is optional. Part B helps pay for covered medical services and items when they are medically necessary.  Most people have to pay a premium to get Part B from Medicare.

Part C. A Medicare Advantage is another way to get your Medicare Part A and Part B coverage. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by Medicare-approved private companies that must follow rules set by Medicare. If you join a Medicare Advantage Plan, you’ll still have Medicare but you’ll get most of your Part A and Part B coverage from your Medicare Advantage Plan, not Original Medicare.

Part D. Medicare Part D is a voluntary outpatient prescription drug benefit for people with Medicare, provided through private plans approved by the federal government. Beneficiaries can choose to enroll in either a stand-alone prescription drug plan (PDP) to supplement traditional Medicare or a Medicare Advantage prescription drug plan (MA-PD), mainly HMOs and PPOs, that cover all Medicare benefits including drugs.

Need assistance figuring out what is the best plan for you?

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How do I sign up for Medicare?

How do I sign up for Medicare?

Ready to sign up for Part A and or Part B?

Contact Social Security (or the Railroad Retirement Board) to sign up for Part A (Hospital Insurance) and Part B (Medical Insurance).  Medicare provides your coverage, but you’ll sign up through Social Security (or the Railroad Retirement Board) because they need to see if you’re eligible for Medicare, including whether you (or another qualifying person) paid Medicare taxes long enough to get Part A without having to pay a monthly premium. Social Security also process requests to sign up for Part B for Medicare.

Turning 65? Ways to sign up:

1 – Online (at Social Security) – It’s the easiest and fastest way to sign up and get any financial help you may need. (You’ll need to create your secure my Social Security account to sign up for Medicare or apply for benefits.)

2 – Call Social Security at 1-800-772-1213. TTY users can call 1-800-325-0778.

3 – Contact your local Social Security office.

4 – If you or your spouse worked for a railroad, call the Railroad Retirement Board at 1-877-772-5772.

Over age 65? Ways to sign up:

 

If you are over 65 and still working, you can sign up for Medicare Part A and/or Part B when you are ready to end your work based coverage.  You can sign up for Medicare Part A and/or Part B using the 4 ways listed above.  One important note, REQUEST FOR EMPLOYMENT INFORMATIONshould be completed by your employer that is providing your credible employer based health insurance to AVOID a Part B late enrollment penalty for the time you had employer-based coverage since turning 65.  You will also want to complete the Application for Part B.

Have questions about signing up for Medicare?
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Medicare Advantage – 5-star Special Enrollment Period

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2022 Medicare Annual Enrollment Period – Start Here​

Medicare Annual Enrollment Period 2022 - Start Here

Ready for 2022 Medicare Annual Enrollment Period?

Check out this video message to learn more.

More information about Annual Notice of Change

By the end of September, you should have received the Annual Notice of Change (ANOC) for your current Medicare Advantage Prescription Drug Plan (MAPD) or Medicare Stand-alone Prescription Drug Plan (PDP).  Please review the Annual Notice of Change (ANOC) document.

Some plans may adjust their premiums or copays, make modifications to the prescriptions included on their drug formulary list, or make benefit changes.

If you have any questions or would like to review your options, please do not hesitate to contact your agent, Jeff or Suzanne. We are contracted with most insurance companies. We work for you, not the insurance company!

The 2022 Medicare Annual Enrollment Period runs from October 15 through December 7.

If you are satisfied with the plan design for 2022, there is nothing additional for you to do. Your new card and information for 2022 will automatically be sent to you by the end of 2021.

Call us with any questions or schedule a time to talk with Jeff or Suzanne using the buttons above.

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2022 Medicare Part D – Stand-Alone Prescription Drug Plans (PDP)

2022 Medicare Part D - Stand-alone Prescription Drug Plans (PDP)

Ready for 2022 Medicare Annual Enrollment Period?

Check out this video message to learn more.

Please review your Annual Notice of Change for your Stand-alone Prescription Drug Plan (PDP)

By the end of September, you should have received the Annual Notice of Change (ANOC) for your Medicare Stand-alone Prescription Drug Plan (PDP).  

Some plans may adjust their premiums or copays, make modifications to the prescriptions included on their drug formulary list, or make benefit changes.

If you have any questions or would like to review your options, please do not hesitate to contact your agent, Jeff or Suzanne. We are contracted with most insurance companies. We work for you, not the insurance company!

The 2022 Medicare Annual Enrollment Period runs from October 15 through December 7.

If you are satisfied with the plan design of your Stand-alone Prescription Drug Plan (PDP) for 2022, there is nothing additional for you to do. Your new card and information for 2022 will automatically be sent to you by the end of 2021.

Call us with any questions or schedule a time to talk with Jeff or Suzanne using the buttons above.

Do you want to know more?
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How to pick a 2022 Medicare Part D – Stand-alone Prescription Drug Plan

How to pick a 2022 Medicare Part D - Stand-alone Prescription Drug Plan 

Do you have the right drug plan for 2022?

Use our finder to select the best plan for you!

New for 2022, use our website to make sure you have the best drug plan for your unique situation during Annual Enrollment Period (October 15 – December 7).  Enter your drugs with dosages and your preferred pharmacy to see which plan will work for you next year.

Important Points:

 1. We do NOT represent ALL of the drug plans.  Some Part D insurance companies do not work with agents so we cannot show their plans on our website.

2. You must CLICK the Prescription Drugs tab to search Part D plans.  The page default takes you to to Medicare Advantage on the quoting site. 

3. The default start date is January 1 if you are signing up during the AEP period (October 15 – December 7). After this period, the default effective date is the 1st of the next month.

4. If you are currently on a Medicare Advantage plan, and sign up for a Part D plan, this will disenroll you from that Medicare Advantage plan. Make sure you first have been approved for a Medicare Supplement, if you are applying for one.

5. If you make an account on the page, DO NOT use the +4 ZIP code. Just use the 5 digit ZIP code.

If you have any questions or would like to review your options, please do not hesitate to contact your agent, Jeff or Suzanne. We are contracted with most insurance companies. We work for you, not the insurance company!
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Should you change your Medicare Supplement Plan?

Should you change your Medicare Supplement Plan?

Check out this video message to learn more.

More information about changing your Medicare Supplement Plan

If you currently have a Medicare Supplement, like Plan F, Plan G, or Plan N and your monthly premium keeps going up every year, you have options.  One option, apply for the same coverage you have now, and get a lower rate with another health insurance company.  

Applying for new coverage typically requires underwriting.

Check out my video above for more details.  You can click the links below for a sample underwriting questionnaire and a sample medication denial list.  There are other factors that can affect your approval like BMI (body mass index).  If you would like to explore your options, contact me at 800-750-6530 or click the link below to schedule a time on my calendar.  I look forward to helping you.

If you have any questions or would like to review your options, please do not hesitate to contact your agent, Jeff or Suzanne. We are contracted with most insurance companies. We work for you, not the insurance company!
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Under age 65? 2022 Health Insurance Updates – Start Here

Jeff Janosick at MedMyWay helps individuals & families sort through their options when selecting health insurance. As independent health insurance representatives, we are able to recommend coverage through almost any insurance company without bias. Our service and advice are free to our customers.