Medicare

I’ll help you to learn what you need to know in order for you to make informed Medicare decisions for yourself or a loved one. Medicare plans include Medicare Advantage, PDP (Prescription Drug Plans), and Medicare Supplement Plans (also called Medigap).

To obtain help for Medicare and other senior products & services
• Prospective clients: Click here to book a phone call.
• Existing clients:  Click here to book a phone call.
• Call 323-293-6800 or send me a note and I’ll get back to you shortly.
• Email works too: michael@artist911.com

Each year Medicare beneficiaries receive a ton of product information by mail, perhaps leaving you to wonder what’s important and what’s not. No worries, just shove all that sales stuff into a box for possible future reference. It is sales and marketing material unless the mail is from either from Medicare itself, or from a plan you are currently enrolled in. For example, the Medicare & You booklet arrives, hang onto that because it’s a helpful information resource published by Medicare.

Do you want access to certain doctors, a medical group or hospital? If your doc is affiliated with Cedars-Sinai or UCLA, for example, you’ll want a Medicare plan you can use with those doctors. For folks who need a stand-alone Prescription Drug Plan, I’ll provide a free resource to help you figure which plans have the lowest estimated annual costs depending on the specific prescription drugs you take.

If you’re looking for nationwide single-payor Medicare coverage with no insurance company networks to deal with, a Medicare Supplement is something to consider.

Timing is everything in Medicare:

  • New to Medicare?  The best time for us to begin a conversation is between 6 months and 3 months before your 65th birthday. That way there is plenty of time, and no need to rush into anything.
  • Receiving SSDI? (Social Security Disability Insurance) Folks who have received 24 months of SSDI payments qualify for Medicare.
  • Already started Medicare? An annual review is helpful because changes can occur every year regarding 1) doctor networks in Medicare Advantage plans, 2) drug formularies, and 3) premiums for Medicare Supplement Plans.
  • Over 65 and covered in a group plan or COBRA? Your enrollment window varies, depending on various factors including whether or not your Part A and B are active.

For current Medicare beneficiaries, during the Annual Election Period from October 15 through December 7 you can change or terminate your Medicare Advantage or PDP (Prescription Drug Plan). Folks enrolled in a Medigap plan can change carriers, guaranteed issue (no health questions), during the 30 days following their birthday each year.

RESOURCES

Disclaimer: Artist Insurance Services and its employees do not work for, and are not representatives of, Medicare or any governmental agency.