YOUR MEDICARE SPECIALIST
Our independent consulting team has been assisting seniors navigate the waters of Medicare for years and is here to help bring a consultative, Christ-centered approach to those in our program with these important decisions.
There is no question that Medicare can be confusing, and mistakes can certainly be costly; that is why we are offering you this benefit as part of the Missio Benefits program at no cost to you. Our team prides itself on providing professional, consultative, unbiased advice and is equipped to handle your needs throughout the country. Your Medicare plan is exactly that, yours. Our goal is to provide you best-in-class resources to comprehensively review your situation and make recommendations based on you, your family and your needs.
Our Medicare consulting team deeply appreciates the work you do for the Kingdom of God and the opportunity to serve you and your family in whatever way they can.
Please reach out through the contact information listed below and they will respond promptly:
WHO, WHEN, WHERE & HOW (Medicare 101)
Medicare is the federal government program that provides health care coverage (health insurance) if you are 65+, under 65 and receiving Social Security Disability Insurance (SSDI) for a certain amount of time, or under 65 and with End-Stage Renal Disease (ESRD). The Centers for Medicare & Medicaid Services (CMS) is the federal agency that runs Medicare.
The program is funded in part by Social Security and Medicare taxes you pay on your income, in part through premiums that people with Medicare pay, and in part by the federal budget.
Whether you’re new to Medicare, getting ready to turn 65, or preparing to retire, you’ll need to make several important decisions about your health coverage. The two foundational parts of Medicare help cover specific services.
WHO is eligible for Medicare benefits?
You are eligible for premium-free Part A if you are age 65 or older and you or your spouse worked and paid Medicare taxes for at least 10 years. There is a premium for Part B. In 2020, seniors with incomes below or at $87,000 individually, or $174,000 joint, will pay a $144.60 monthly premium and an annual deductible of $198.
Turning 65 is one way you become eligible for Medicare. You can also be under 65 and eligible for Medicare if you are receiving Social Security Disability Insurance or SSDI. In most cases, you qualify for Medicare due to a disability if you have been receiving SSDI checks for more than 24 months.
Another way that you can become eligible for Medicare is if you are under 65 with End-Stage Renal Disease, also known as ESRD or kidney failure.
WHEN may I enroll in Medicare?
Myth: I am automatically enrolled in Medicare when I turn 65.
Fact: You are only automatically enrolled IF you elect to start receiving Social Security benefits or Railroad retirement benefits. If you are not receiving SS or RR retirement benefits and you are not disabled, you will need to initiate your enrollment into Medicare.
- When you are first eligible for Medicare, you have a 7-month Initial Enrollment Period to sign up for Part A and/or Part B. (3 Mo’s before-the month of your 65th-and 3 Mo’s after)
- Once your Initial Enrollment Period ends, you may have the chance to sign up for Medicare during a Special Enrollment Period (SEP).
If you’re covered under a GROUP HEALTH PLAN based on the current employment of you or your spouse, you have a SEP (Special Election Period) to sign up for Part A & B and/or Medicare Supplement/Advantage anytime as long as:
- You or your spouse (or family member if you’re disabled) is working.
- You’re covered by a group health plan through the employer or union based on that work.
Usually, you don’t pay a late enrollment penalty if you sign up during a SEP.
WHERE do I enroll in Medicare?
You can enroll in Medicare Part A and/or Medicare Part B in the following ways:
- Online at www.SocialSecurity.gov.
- By calling Social Security at 1-800-772-1213 (TTY users 1-800-0778), Monday through Friday, from 7AM to 7PM.
- In-person at your local Social Security office.
Now that I am enrolled, HOW do I complete my coverage?
Medicare doesn’t cover everything and was never designed to. If you need certain services Medicare doesn’t cover, you’ll have to pay for them yourself unless:
- You have other insurance that covers them…typically a Medicare Supplement.
- You have a Medicare health plan that covers them…typically a Medicare Advantage plan.