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Medicare.
THE CARDINAL GUIDE TO:
Medicare Strategizing
Receive a listing with monthly prices of 30-40 Medigap (Medicare Supplement) insurance companies in your zip code. The report is instant, free, and requires no personal information from you.
Cardinal Lessons with Hans.
Related Blogs.
Medicare Strategizing.
■ To ask us questions or to get your personalized report emailed or mailed to you, fill out the contact form below.
■ Medicare Part A and B start (for most people) on the first of the month before their 65th birthday. Part A is free and Part B has a monthly cost. If you are still working at 65 and covered by group insurance, sign up for A at 65 and delay enrolling in B until you retire.
■ Choose a Medicare Advantage plan (Parts C and D) if you want no or a low insurance premium, deductibles, and co-payments. However, make sure you don’t mind the insurance company choosing your doctors and hospitals for you.
■ A Medicare Supplement Plan G or F plus a separate Part D plan come with low or no deductibles or co-payments. Unlike Medicare Advantage plans, this option also gives you the freedom to go to any doctor or hospital that takes Medicare at your discretion.
■ You can buy Part D after going to Medicare.gov and running a comparison of Part D plans.
■ If you’d prefer help choosing and purchasing your Medicare Supplement Plan G or F, make sure to look for an independent agent who does not have a vested interest in steering you to a particular insurance company. You can also look at a premium comparison report before you buy to ensure you’re getting your plan as cheaply as possible. Click HERE to run that report on our site.
■ Prices can go up even if you’ve been on a Medicare Supplement plan for a few years. Make sure to occasionally recheck your rate against other insurance companies. In other words, shop around because you might be paying too much.
■ If you qualify for LIS (the low-income subsidy program) or Extra Help, the government will pay your Part B premium for you and reduce your Part D drug co-payments.
■ Prepare to pay higher-income surcharges for Medicare Parts B and D if your income is over $85,000 as a single person or $170,000 as a couple.
■ Long-term Care implication through Medicare: Don’t rely on Medicare to pay your long-term care bill, because it doesn’t!
Useful Documents.
Want more information? The Centers for Medicare & Medicaid Services (CMS) produces “Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare” to inform the public about Medicare supplements.
We made a simplified version to highlight the most important parts that you can access below. Plus, read the Medicare chapters from “The Complete Cardinal Guide” and the accompanying workbook.
Call (919) 535-8261 today for a FREE quote comparison of more than 30 companies!
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Our site and our agents are here to give you valuable, unbiased information about your Medicare choices. Find out more info about parts, plans, and prescriptions quickly.
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No more having to find the only guy in town who sells for one insurance agency. At Cardinal, we are licensed in all 50 states and D.C. with clients in every location. We sell for over 30 insurance companies, and can get you the best priced plan for your needs.
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Office Locations:
Durham Office
2530 Meridian Parkway, Suite 100
Durham, NC 27713
(919) 535-8261
Charlotte Office
8307 University Executive Park Dr, Suite 252
Charlotte, NC 28262
(704) 412-6494
Greensboro Office
6520 Airport Center Drive, Suite 100
Greensboro, NC 27409
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