Senior Insurance Utah

Medicare Insurance Solutions: For Seniors By Seniors

Your Resource for Medicare Advantage, Medicare Supplement and Prescription Drug Plans           Our Benefit Advisors Specialize in "Providing Peace of Mind and  Security"                                                                                               

Making Changes to your 2018 Medicare Advantage & Prescription Drug Plan

During the Annual Enrollment Period, Beginning October 15th, you will be able to make changes to your Medicare Advantage plan and Prescription Drug Plan; such as switching carriers or returning to Medicare and selecting a Medicare Supplement or PDP Prescription Drug Plan, that will become effective January 1, 2018.  

After December 7th, 2017, you are "Locked In" to your selected plan and  unable to make any changes until the next Annual Enrollment Period, unless you qualify for a Special Enrollment Period.

You may return to Orginal Medicare and a select PDP plan and perhaps a Medicare Supplement during the Annual Disenrollment Period in January 2017 to February 14, 2018. You may qualify for a SEP Special Enrollment Period, such as moving out of your current service area.

WE RECOMMEND AN ANNUAL REVIEW TO ASSURE YOU HAVE THE PLAN THANT MEETS YOUR HEALTH AND FINANCIAL NEEDS IN 2018, ESPECIALLY YOUR PRESCRIPTION DRUG PLAN: PDP AND MEDICARE ADVANTAGE PLAN. 

EXAMPLE:  A female client was on a Medicare Advantage with Drug Plan, for 2017; and needed a lot of prescription drugs. Her estimated 2018 drug cost would be  $7,623.00 We changed to another plan reduced her cost to $ 867.00    IT PAYS TO REVIEW!

You Can Download the Worksheet to Update Your Prescriptions and physicians to prepare for meeting

                               WE WILL MEET IN PERSON OR ONLINE PHONE/WEB VIDEO CONFERENCE    

If you will turn age 65 in this year you have the Initial Enrollment Period IEP, 3 months before, the month your turn 65 and three months after turning 65. Effective date is the first day of the month you turn age 65.

You also have the SEP to terminate your employer or union group health insurance plan, pay the Part B monthly premium and enroll in a Medicare Advantage plan or Medicare Supplement. Many people on a group plan can save a lot of money by leaving their group plan and joining a MA plan or Medicare Supplement.

I have worked with clients who are unknowingly paying BOTH their Part B and their co-insurance for group or union insurance. Please check with SSA 800-772-1213 to make sure you are NOT making a double payment, you can save almost $ 1,200 annually by cancelling the Part B withdrawal if you are on your group or union health plan that doesn't require Part B.  

You can Download the "Medicare & You 2018" booklet in .pdf format using the Tab above.

 

AARP Medicare Complete from United HealthCare

 

    

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Our Twitter user is             @Utah_Medicare    

Health Saving Accounts HSA

We encourage people turning age 65 soon to create a HSA Health Savings Account, at their Credit Union with "zero" monthly fee and fund it with "Catch Up" funds. Once your are age 65, you are unable to establish the account by federal law. See the video on the HSA Tab to learn more or contact a Benefits Advisor.

We Understand the Complex Medicare Program, and the how the ACA signed into law by President Obama impacts Medicare. Be aware that the Affordable Care Act, "ObamaCare", may not affect your Medicare benefits. We have Plans from the Top Insurance Providers, that will pay Medical Expenses NOT Covered by Medicare, usually 20% 

 We Will Assist Seniors Turning 65 Enroll in Medicare. We will Compare ALL Medicare Advantage and Medicare Supplements Plans in Your Service and Enroll You in the Plan that Meets both your Health Needs and Financial Needs, Regardless of Whether we are Appointed with the Company or Not. Our Goal is to assist you to select the plan that Meets your Health needs and Financial needs. Click on the " Medicare Video " Tab to watch a short video.

We are experts in Required Part D, Prescription Drug Coverage (PDP) To Assure You Will Be Penalized For Not Enrolling in a PDP. We are licensed in UT and MA  with serving friends in Salt Lake, Summit and Washington County

 Revised: 10-24-2017

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