At RMS Insurance Services, we want to be your health insurance broker through all of life’s stages, including when you reach 65 and qualify for Medicare. The RMS team is located in Arizona, and by working with clients across several states in the Southwest, we’ve been humbled to be able to build our business via the relationships we’ve formed along the way. Throughout our decades in this industry, our greatest blessings have been the longstanding clients we’ve been able to help secure health insurance for themselves and their families through each stage of life. There are many reasons why you should shop insurance and Medicare with RMS Insurance Services, but the bottom line is that we specialize in being an invaluable resource when it comes to all things health insurance, and our years of experience and personalized service are unmatched.
If you’re nearing the “magic age” of 65, we know you have questions about your options, especially when it comes to enrolling in Medicare. RMS is here, ready to answer your questions, explore your options, and help get you enrolled in Medicare. We proudly consider ourselves to be Medicare Specialists, and as licensed Medicare agents, we can save you time and money sifting through all of your health insurance options to keep you safe, covered, and protected in your retirement years. Let’s cover some of the important need-to-knows regarding Medicare, and be sure to get in touch with us for personalized service: call Cody and Amanda of RMS Insurance Services at 480-773-3757 or email email@example.com. We can’t wait to hear from you!
Questions About Medicare? RMS Insurance Services, Medicare Specialists, Can Help!
Perhaps you’re new to myrmsagent.com, and you’re simply seeking answers to all of the questions you have about Medicare and beyond. Or perhaps you’ve been a longstanding client of ours through your employment years, and it’s quite possible we’ve seen your family grow and your needs change as time has gone on. No matter your situation, and whether you’re looking for a new insurance agent or you’ve been with us for years, the Coverage Genius team is happy to be your Medicare enrollment specialist and guide you every step of the way as you navigate retirement.
You’ve got questions, we’ve got answers! Here are some of the most frequently asked questions regarding Medicare.
What is Medicare?
Medicare is the federal health insurance plan for people who are 65 years or older. Additionally, Medicare covers certain younger people with disabilities as well as those with end-stage renal disease, which is permanent kidney failure requiring dialysis or a transplant.
There are different types of Medicare health plans available:
- Medicare Part A (Hospital Insurance): Covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
- Medicare Part B (Medical Insurance): Covers certain doctors’ services, outpatient care, medical supplies, and preventive services.
- Medicare Part D (Prescription Drug Coverage): Helps cover the cost of prescription drugs (including many recommended shots or vaccines).
- Medicare “Part C” or Medicare Advantage Plans: Also known as “MA Plans” are plans offered by Medicare-approved private companies that provide all of your Part A and Part B coverage and may offer extra coverage such as vision, hearing, dental, and/or health and wellness programs. Many also include Medicare Part D coverage.
- Medicare Supplement Insurance or Medigap: Original Medicare pays for a lot, but sometimes there are gaps, and that’s where Medigap insurance comes in. A supplemental Medicare policy is sold by private companies and fills in the gaps when it comes to the cost of copayments, coinsurance, and deductibles.
When do I qualify for Medicare?
Most people become eligible for Medicare once they turn 65. Your initial enrollment period lasts 7 months – the 3 months prior to you turning 65, and ending three months after you turn 65. Coverage depends on when you sign up – if you sign up in the three months before you turn 65, then coverage begins on the first day of your birthday month. If you enroll during your birthday month, coverage begins the following month.
What if I keep working when I turn 65?
If you or your spouse continues working past retirement age, there are some things to know. Generally, if you have employer-sponsored coverage through your job or your spouse’s job, then you don’t have to sign up for Medicare. Exceptions to this may be if your employer has less than 20 employees or if you’re self-employed.
Do I really need an insurance agent to enroll in Medicare?
YES! Medicare is sometimes referred to as the Medicare Maze – it’s a lot to navigate! Plus, there really are so many different options, including: Medigap policies, Medicare Advantage plans, Programs of All-inclusive Care for the Elderly (PACE), and Medicare Cost Plans. Furthermore, even the Medicare Advantage plans have distinctions which include provider networks, prescriptions drug coverage, number of covered doctors, premiums and out-of-pocket costs. Some Medicare Advantage plans include added benefits bundled into the coverage, such as vision, hearing, fitness and dental benefits. Other plans don’t include those extras as an option, or they charge an additional fee to receive those benefits. If you don’t pay attention to the plans available in your area, you may end up paying more for the same coverage. Plans can change premiums, coinsurances, copayments and drug coverage each year. Even if you’re already enrolled in Medicare, the plan you currently have may look very different in 2022!
RMS Insurance Services Wants to Be Your Medicare Specialist
Medicare can be a lot to navigate! You need a trusted, experienced insurance agent on your side, and the RMS team has 40+ years of combined experience. We love to save our clients our money and to make enrolling in health insurance benefits as easy as possible. We gladly offer complimentary consultations and no-obligation quotes about the best plan for you with options available from more than 500 providers. Call 480.773.3757 or email firstname.lastname@example.org to get started.