Do you qualify for Medicare benefits only? Some things to consider
When you finally qualify for benefits of Medicare, you can heave a sigh of relief. Now, original Medicare as it is today is possibly the best health insurance policy available. Ok, there are some gaps in coverage. There are deductibles, reinsurance and copayments that you must pay. The good news is that these gaps are very well defined and very easy to fill with any of the 10 standard Medicare supplement plans currently available by heading to https://www.medicareadvantageplans2020.org.
Finally, you have the opportunity to settle in a situation where you can completely predict your medical costs for the year; no surprises, no medical bills. However, this time for many people, it is full of stress; lots of emails, hundreds of emails and phone calls. This agents and brokers are looking for your business. So you have the people you really know. Your brother-in-law who retired last year, telling you what he did and why you should do the same, and your neighbor who cannot tell you how happy they are with their Medicare Advantage plan.
The bottom line is this is your open enrollment period and you only get one open enrollment period throughout your life. You have very special rights during this period. It has what is called a guaranteed emission right. This means that during this time you will not be denied coverage of any plan you choose. No matter what your past medical history is.
You do not need to answer any health questions. Just choose the right plan for you and request it. These rights last up to 6 months after your 65th birthday or the effective date of Part B. Even if you are in good health, we know that unfortunately it is not always true. It would be tragic not to understand the facts, to make a decision that he regrets, and then fail to correct the situation because he cannot qualify for health.
Then find an independent broker, a Medicare expert: this should be your only focus. Ask the questions to determine if they have your best interests in mind. The best you can, make sure the information you provide is up to date and accurate. Do not accept a partial understanding of your options. A competent broker will ensure that you understand the options and the impact each option will have on your pocket and your medical care. In other words, demand the service you deserve.