Turning 65 - Medicare Made Easy

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MEDICARE

MADE EASY


Help Finding the Medicare Supplement Insurance Plan That May Be Right for You Is Just Down the Street I’m William R Gay, a local licensed insurance agent/producer located right here in North East & Central Florida, and Authorized to Offer AARP® Medicare Supplement Insurance Plans, insured by UnitedHealthcare Insurance Company (UnitedHealthcare).

Personal Attention Where It Counts If you’re considering a Medicare supplement plan, I may be able to help guide you in finding a plan that may be right for you. Together, we’ll review your personal insurance needs and what matters most to you. I’ll discuss how these plans may help you manage your out-of-pocket costs. Some plan highlights include: Competitive rates. Choice of plans available. Plans that carry the AARP name have been carefully evaluated and selected as meeting the high service and quality standards of AARP. You’ll have someone right here in your community who may help you with your plan choice, from start to finish.

I’m just a local phone call away. Contact me today to learn more!

William R Gay

Licensed insurance agent/producer contracted with UnitedHealthcare 386-846-4190 bill@suncoastlegacyadvisors.com New Smyrna Beach, Fl 32168 AARP endorses the AARP Medicare Supplement Insurance Plans, insured by UnitedHealthcare Insurance Company. UnitedHealthcare Insurance Company pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers. AARP does not employ or endorse agents, brokers or producers. Please note that you must be an AARP member to enroll in an AARP Medicare Supplement Insurance Plan. Insured by UnitedHealthcare Insurance Company, Horsham, PA (UnitedHealthcare Insurance Company of New York, Islandia, NY for New York residents). Policy Form No. GRP 79171 GPS-1 (G-36000-4).

In some states, plans may be available to persons under age 65 who are eligible for Medicare by reason of disability or End-Stage Renal Disease. Not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed insurance agent/producer may contact you. THESE PLANS HAVE ELIGIBILITY REQUIREMENTS, EXCLUSIONS AND LIMITATIONS. FOR COSTS AND COMPLETE DETAILS (INCLUDING OUTLINES OF COVERAGE), CALL A LICENSED INSURANCE AGENT/PRODUCER AT THE NUMBER SHOWN.

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NM

Not affiliated with or endorsed by any State or the U.S. Government or the Federal Medicare/Medicaid Program. Calling the number above will direct you to a Licensed Insurance Agent.

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WELCOME YOU ARE GETTING READY TO TURN 65 AND START MEDICARE! You may feel overwhelmed, as you will get more mail and phone calls about Medicare and your coverage options. People may even knock on your door. You may ask yourself, “How do I know which coverage option is the right one for me? What are my choices?” Let’s start with the basics. Original Medicare Parts A and B are the two parts that come from the Federal Government. This coverage has glaring deficiencies in its coverage. There is no drug coverage, and you will have unlimited liability. This will leave you looking for additional coverage. Now that we know that we have a problem, what is the solution? There are only two different coverage options for Medicare coverage. You can choose between a Medicare Supplement and a Medicare Advantage Plan. Choosing the right plan for the right reasons is what we at Sun Coast Legacy Advisors help our clients with. This magazine is designed to help you answer questions that you might have as you get ready to turn 65. We will first go over the differences between a Medicare Supplement Plan and Medicare Advantage Plan, and then we’ll cover what you should think about when making your decision. Picking the plan that is right forWilliam you will goR. a long Gay way in making sure you have a smooth transition 386.846.4190 onto Medicare. We often help clients that picked bill@suncoastlegacyadvisors.com the plan their spouse had or their neighbor had, but itwww.suncoastlegacyadvisors.com was not the right plan for them. MULTIPLAN_PSMDLSCL1-M

Medicare Overview w w w. S unco astLeg acy Adv i s or s .com

Turning 65 can be simple and easy. Things to think about are: • Monthly cost • Your doctors • Your prescription drug • Your current health • Your lifestyle Sun Coast Legacy Advisors is here to help you through the process. Email or Call to schedule your appointment today.

William 386.84 bill@suncoastlegacyadviso www.suncoastlegacyadviso

William R. Gay 407-787-9844 bill@suncoastlegacyadvisors.com www.suncoastlegacyadvisors.com

Original Medicare Overv

Medicare Part A - Hospital Hospitalization Days 1-60 ME D IC A R E MA D E EA S Y | Days 61-90

$ 1,364 Part A De 1 $ 341 Per Day

TURNING 65


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SUN COAST LEGACY ADVISORS

ABOUT US WILLIAM R. GAY Owner / Agent 407-787-9844 bill@suncoastlegacyadvisors.com Bill enjoys the challenge and complexity of working to ensure that each client has the plan that is best for them. Spending time with his family on the ski slopes, or on one of their many adventures, is why he works hard every day for his clients. Playing in the dirt, growing flowers, and tending to his garden keeps him grounded, as well as being a board member of his church. JUSTIN STAFFORD Agent 305-317-7117 justin@suncoastlegacyadvisors.com Justin has been a licensed broker since 2015 who specializes in health insurance for any age. He has a positive solutionseeking attitude in knowing that everyone is different, and therefore has different needs or priorities when it comes to health insurance. Developing a long term, trusting relationship with his clients is his top priority. Growing up in Georgia and Florida, he and his wife lead an active outdoor lifestyle, and he’s also a big movie buff.

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KAITLYN STAFFORD Agent 813-816-0909 kaitlyn@suncoastlegacyadvisors.com

MEG HUTSON Agent 904-453-7699 meg@suncoastlegacyadvisors.com As a licensed broker with Medicare experience since 2008, Meg’s priority is focusing on each client’s individual needs. She believes trust and providing great customer service is what builds strong, long-term relationships. She has a passion for volunteering in the community, as well as focusing on health and wellness through nutrition, daily exercise and staying active. In her spare time, you can find Meg fishing or enjoying time on her boat with family, friends and her dog. ANNA PONIATOWSKI Administrative Assistant 239-236-3437 anna@suncoastlegacyadvisors.com Anna was born and raised in Florida but spent the majority of her twenties living and working in Northeastern Vermont. She deeply loves to travel and has had the opportunity to visit the UK, Canada, Southeast Asia and Australia. Now, living back in sunny Florida, she likes to read, run and spend quality time with her family and pup. When she’s not doing those things, Anna enjoys connecting and building relationships with people in her local community, as well as exploring all the gems her home state has to offer.

Kaitlyn grew up in Florida and has been with Sun Coast Legacy Advisors since 2015 where she started out specializing in Medicare. Now, she helps all ages find affordable health care. Developing strong relationships is the foundation of everything she does both professionally and personally. Outside of work she loves spending time outside in the sun and quality time with family and friends.

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WHAT IS MEDICARE?

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edicare is a fee-for-service health care program in which the government pays health care providers directly for services that fall under Parts A and B, also known as Original Medicare. It is available to seniors, people on social security disability, and the blind. If you are in need of coverage Original Medicare cannot provide, you can purchase a Medicare Supplement Plan, Part D Prescription Drug Plan or a Medicare Advantage Plan. Medicare is divided into four categories. This allows you to customize your personal coverage when shopping for a comprehensive policy.

• Part A (Hospital Insurance): Covers hospital care, emer gency services, nursing home care, home health services and hospice. • Part B (Medical Insurance): Covers medically necessary services and supplies used for diagnosing and treating medical conditions, and preventative services for illness prevention and/or early detection. Examples include ambulance services, mental health care, outpatient procedures and clinical research. • Part C (Medicare Advantage): Combines Parts A and B and often part D as well (offered by private companies approved by Medicare). • Part D: Stand alone prescription drug coverage (offered by private companies approved by Medicare).

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HISTORY OF MEDICARE M

edicare was passed into law on July 30th, 1965 at a public ceremony in Independence, Missouri by President Lyndon B. Johnson. President Harry S. Truman was presented with the nations first Medicare Card. Truman was known as the “Daddy of Medicare.” Medicare services started one year later in July of 1966, covering more than 19 million Americans. In 1972, President Nixon extended coverage to the long term disabled. Medicare Advantage, or Medicare Part C was started in 1997 bringing private insurance plans into the market place. Medicare Part D prescription drug coverage was signed into law in 2003 and took effect in 2006. In 2020 there were over 62 million people on Medicare.

Here is a timeline of several Medicare and insurance-related milestones: 1945: President Truman calls for a national health insurance program for all. Legislators on Capitol Hill don’t act. He asks again in 1947 and 1949. Bills are introduced but die in Congress. 1961: A task force convened by President John F. Kennedy recommends creating a national health insurance program specifically for those over 65. In May 1962, Kennedy gives a televised speech about the need for Medicare. 1964: President Johnson calls on Congress to create Medicare. 1965: Legislation creating Medicare as well as Medicaid (health care services for certain low-income people and others) passes both houses of Congress by a vote of 70-24 in the Senate and 307-116 in the House. President Johnson signs the Medicare bill into law on July 30 as part of the Social Security Amendments of 1965. 1966: When Medicare services actually begin on July 1, more than 19 million Americans age 65 and older enroll in the program. MULTIPLAN_PSMDLSCL1-M

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1972: President Richard M. Nixon extends Medicare eligibility to individuals under age 65 who have long-term disabilities or end-stage renal disease. 1997: Private insurance plans — originally called Medicare+Choice or Part C, later renamed Medicare Advantage — begin, giving beneficiaries the option of choosing an HMO-style Medicare plan instead of the traditional fee-for-service Medicare program. 2003: On Dec. 8, President George W. Bush greatly expands Medicare by signing the Medicare Modernization Act, which establishes a prescription drug benefit. This optional coverage, for which beneficiaries pay an additional premium, is called Medicare Part D. 2006: On Jan. 1, Medicare Part D goes into effect and enrolled beneficiaries begin receiving subsidized prescription drug coverage.

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TURNING 65 TIMELINE T

he mail and advertisements start coming soon after you turn 64. At this point it is really too early to start to pay attention to any of the material.

begins September first. Your enrollment window also includes your birth month and three additional months, making the enrollment window seven months long.

Lets start out with, “When does your Medicare start?” Your Medicare coverage will start the first day of the month you turn 65. Medicare only has 12 enrollment dates a year so this makes things really simple. If you happen to be born on the first day of the month your Medicare coverage will start the month before you were born or age 64 and 11 months.

Your coverage starts the first day of the month you are born.

So now that we know when our Medicare coverage is set to begin lets talk about your enrollment period. This is a seven month long window when you can enroll in Medicare Supplements, Medicare Part D stand alone prescription drug plans, and Medicare Advantage plans. This window opens three months before your coverage is set to start. So if you turn 65 in December your enrollment window

If you are getting ready to turn 65, you should start to look into your coverage options about four to five months away from turning 65. One of our agents would be glad to schedule an appointment with you so you can understand what Medicare is going to look like for you and which plan will best suit your needs and wants. Meeting with one of our agents is FREE. The only thing it will cost you is your time. We make all our recommendations based off your needs and wants, so you get the coverage that is best for you. We will continue to maintain this relationship from year to year. As you change and the plans change, we can adjust your coverage annually to make sure your needs are still being met.

When Is My 7-Month Initial Enrollment Period?

65 3 months before your 65th birthday

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The month of your 65th birthday

The 3 months after your 65th birthday

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DO I NEED TO ENROLL IN MEDICARE? W

hether you need to enroll in Medicare or not is one of the top questions we get asked about as agents. I have been working with people turning 65 and going on to Medicare for the first time since 2008. People ask us agents most often about enrollment: how to enroll, and what it entails. Medicare has two main parts called original Medicare or Parts A and B. They are funded by two different methods. One is voluntary and one is an entitlement. Medicare Part A is an entitlement to those of us in the United States that have worked and paid our FICA tax for 40 quarters. Once you have your 40 quarters, Medicare Part A is an entitlement to you. You do not have to enroll or sign up for an entitlement. When you turn 65 Medicare Part A will be given to you. There is no one you have to call. You do not need to sign up for Part A; simple and easy as that. When you turn 65 and have paid 40 quarters of FICA tax, Medicare Part A is yours. Medicare Part B is voluntary. You are either conditionally enrolled or you will need to sign up. Medicare Part B is paid through a monthly premium, which in 2022 is $170.10 per month. This can either be billed to you by Social Security if you are not collecting your monthly Social Security Benefit or if you are collecting your Social Security Benefit, they will conditionally enroll you in Medicare Part B and deduct the $170.10 a month from your Social Security check. So this leaves us two groups of people that are turning 65. Those collecting their monthly benefit and those that are not. If you are collecting your monthly Social Security Benefit then you will be conditionally enrolled and your Medicare card will automatically show up at your address on file with Social Security. You have to do nothing. The card will arrive

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three and half months before your Medicare is set to begin. So let’s use the example from our previous article. If you’re turning 65 in December, your coverage will begin on December first. Your enrollment period will begin on September first. Which means your Medicare card should arrive in the mail around August 15th. At this point most people are up to their eyeballs in Medicare advertisements coming in the mail. More people than not end up throwing their Medicare card away because it does look like junk mail. Your Medicare card comes from Health and Human services not Social Security or Medicare.

? If you are not collecting your monthly Social Security Benefit, you will need to enroll in Medicare Part B. Yes, this means you have to do something to make it happen. You can enroll online at medicare.gov or SSA.gov. You can also call Social Security at 1-(800)-772-1213 or go into your local Social Security office. Signing up online by far is the fastest and easiest. You can not enroll in Medicare Part B until your enrollment period begins. Again, this is three months before your coverage is set to begin. If you do nothing, your Medicare Part A only card will arrive about two months after you turn 65. Enrolling in Medicare is all dependent on whether or not you are collecting your Social Security Benefit.

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ORIGINAL MEDICARE OVERVIEW Provided by the Government

MEDICARE PART A – HOSPITAL HOSPITALIZATION Days 1-60 ............... $1,556 Part A Deductible Days 61-90 ............. $389 Per Day Days 91-150 ........... $778 Per Day SKILLED NURSING CARE Days 1-20 ............... Zero Cost Days 21-100 ........... $194.50 Per Day OTHER SERVICES Blood ...................... You pay for first three pints Hospice .................. Zero Cost

MEDICARE PART B – MEDICAL $170.10/mo. PART B DEDUCTIBLE.... $233/yr. MEDICARE PAYS .......... 80% YOU PAY ........................ 20% No out-of-pocket maximum EXCESS CHARGE ........ 15% Doctors who do not accept Medicare Assignment Not affiliated with or endorsed by any State or the U.S. Government or the Federal Medicare/Medicaid Program.

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MEDICARE COVERAGE ADDITIONAL OPTIONS Two Ways to Get Additional Coverage

ORIGINAL MEDICARE A & B: $170.10/mo. + One Option Below

Medicare Supplement

Medicare Advantage

PRIMARY – Medicare • Any Doctor • Any Hospital • No Network • No Referrals

PRIMARY – Private Insurance SECONDARY – Medicare • Medicare pays plan to manage your care • Zero to Low Cost per Month: $170.10 + 0 = $170.10

SECONDARY – Medicare Supplement / Medigap • Standardized coverage • Only difference is the price • Coverage from company to company is the same PLANS A-N: $57-$265/mo. PLAN G • Pay only your Part B Deductible • No Co-pays FITNESS MEMBERSHIP PART D - RX DRUG COVERAGE • Plan Premiums: $7-$101/mo. • Drug Co-pays • Formularies differ from plan to plan

Part B Reduction Plans which will reduce the cost of your Medicare: $170.10 - ?? = Lower Cost Network Based Plans • HMO - Referrals Needed • PPO - No Referrals • Doctor and Hospital Co-pays • Annual Out-of-Pocket Maximum: $ 1,000–$7,500 Part D - Drug Coverage Included Additional Benefits: • Fitness Membership • Dental and Vision • Over the Counter Benefits

Not affiliated with or endorsed by any State or the U.S. Government or the Federal Medicare/Medicaid Program. MULTIPLAN_PSMDLSCL1-M

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MEDICARE PART B PREMIUM REDUCTION M

edicare Part B has a monthly premium that is charged by the federal government; in 2022 the Medicare Part B premium is $170.10 per month.

Is this right for you? That is the question. Everyone is always looking for the same thing in their insurance coverage. We all want the best insurance for the least amount of money.

Your Medicare Part B premium is either withheld directly from your social security check or Social Security will send you a quarterly invoice for payment.

Things to think about before enrolling in a Medicare Part B reduction Medicare Advantage Plan.

One of your two coverage options for Medicare is to choose to receive care through a Medicare Advantage Plan, also know as Medicare Part C. If you decide to receive care through a Medicare Advantage Plan, Medicare become your secondary insurer, with your Advantage Plan being your primary insurer. There are many Advantage Plans that now offer a reduction in your Medicare Part B premium as part of the benefits that they provide. So yes, it is possible for Medicare to cost you less than the standard rate of $170.10 per month.

• Does the plan include my doctors? • What is the Out-of-Pocket Maximum of the plan? • What are my prescription co-pays on the plan? • What type of plan is it – HMO vs. PPO? • What are the co-pays for doctors and hospitals? Let one of our agents see if a Medicare Advantage Plan with a Part B reduction is right for you. We can show you how this plan may differ from the plan that you are currently enrolled in.

Oftentimes, Medicare Advantage Plans offer Part B reduction of between $70 to $148 per month, reducing your Medicare monthly cost by half to two-thirds of the standard rate charged by the federal government.

MEDICARE PART B MEDICAL $ 170.10/mo.

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=

MEDICARE PART C ADVANTAGE PLAN –$100.00/mo.

MONTHLY TOTAL $ 70.10/mo.

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HOSPITAL INDEMNITY FLEX INSURANCE PLANS Medicare Advantage You’re Responsible for Paying: • Doctor Co-pays • Hospital Co-pays • Out Patient Co-pays Cost: $0/mo.

+ Hospital Indemnity Pays: • Doctor Co-pays • Hospital Co-pays • Out Patient Co-pays

A

Hospital Indemnity Insurance Plan can help lower your cost if you have a hospital stay or other qualifying event. While your Medicare Supplement or Advantage Plan may cover some of the cost, they will not cover the entire cost. Indemnity means protection or security against damage or loss. Hospital Indemnity is designed to do just that — to help protect your savings and your security for the future. Benefits are paid directly to you and in addition to any other health care coverage you may have. The benefits and premiums for the plans will vary based on the plan options you select. Hospital indemnity plans can help cover hospital admission, doctor office visits, outpatient surgical procedures, ER visits, ambulance services, skilled nursing facility, outpatient rehab and lump sum cancer indemnity. Adding a Hospital Indemnity to your insurance portfolio can help pay for the unexpected. Call us today to see if adding an Hospital Indemnity plan to your coverage would be right for you. A Hospital Indemnity is not a Medicare Supplement or Medicare Advantage plan.

Cost: $30–$75/mo.

Not affiliated with or endorsed by any State or the U.S. Government or the Federal Medicare/Medicaid Program. MULTIPLAN_PSMDLSCL1-M

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WHY DO I NEED SOMETHING BESIDES MEDICARE?

P

eople often ask us why they would need additional coverage if they are getting Medicare from the government. This is a question that we as agents try to answer for the people with whom we help. Medicare is an insurance program that comes from the federal government. However, there are two major holes in the coverage of Original Medicare (Parts A and B). Original Medicare does not cover any prescription drugs that you would fill at your local pharmacy. However, if you do not pick up drug coverage when you are first eligible for Medicare Part B, there is a penalty for not having coverage. This forces you to either buy a stand alone Medicare Part D prescription drug plan or enroll in a Medicare Advantage plan that includes Part D prescription drug coverage. If you do not pick up drug coverage and are assessed a penalty, then you will pay a higher premium for the rest of your life. Don’t get stuck with a penalty when you could have picked up coverage for no additional cost if you would have enrolled in one of the many Medicare Advantage plans in the area.

The second hole in Original Medicare is that Medicare leaves people responsible for 20%. Medicare only reduces your risk to 20%. Medicare does not cap your risk. This is the only major type of insurance that I know of that leaves you with open ended risk. Insurance is supposed to cover risk, and Medicare only reduces your risk. Twenty percent of large numbers are large numbers. A hip replacement can cost in the $80,000 range. Twenty percent of $80,000 is $16,000. Don’t be left out in the cold by only having Original Medicare or you could end up owing large medical bills. The great thing about Medicare and turning 65 is that you only have two choices for coverage. It may seem like more due to the mail and advertisements that you will receive as you get ready to turn 65. You can either choose to go with a Medicare Supplement Plan, also known as Medigap, or you can choose to go with a Medicare Advantage plan. We will go into why you would choose one plan over another. You must make sure that if you go with a Medicare Supplement that you also choose a Medicare Prescription Drug plan, also known as Part D. If you choose a Medicare Advantage you must make sure that it includes drug coverage because there are some that only cover medical. Original Medicare is just a starting point. I would recommend that everyone add a supplement or an advantage plan to their coverage so you reduce risk and make sure that you have drug coverage, even if you don’t feel that you need drug coverage at this point.

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MEDICARE SUPPLEMENT VS MEDICARE ADVANTAGE

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he differences between a Medicare Supplement and a Medicare Advantage plan is often a topic of conversation when approaching the choice between the two. Occasionally, it is not really a choice and after a quick conversation with a broker, you will understand why you will be better off with one or the other depending on your specific circumstances. Here are a few questions to ask yourself before meeting with one of our brokers: • What will your budget allow your monthly premium to be? • Does working within a network bother you? • Do you have doctors you want to keep if your network changes? • How often do you go to the doctor? • Do you have any major surgeries on the horizon? A Medicare Supplement or Medigap policy covers the cost left over by original Medicare. These plans are secondary to Medicare. Medicare is your primary insurer. Having Medicare as your Primary insurer allows you freedom of choice. You can see any doctor that takes Medicare, go to any hospital, no networks and no referrals. Medicare Supplements follow federal and state laws designed to protect you. For that reason, the coverage from company to company providing supplements are the same; the only difference is price. Plan G from one company to the next is exactly the same plan but at a different cost. You will need to add Part D, a stand-alone prescription drug plan. With a Medicare Supplement and Drug plan, you will carry around three different cards: your Medicare card, your supplement card and your Part D card. Your supplement and part D do not have to come from the same company.

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A Medicare Advantage Plan, also known as “Part C” or “MAPD Plan.” is an option available where a private company is paid by Medicare to manage your health care. This does not mean you lose Medicare. Medicare becomes your secondary and the private company becomes your primary insurer. Going with a Medicare Advantage plan does not mean that you are settling for less. There is no degradation in coverage; all Medicare Advantage plans have to cover what Medicare A and B cover. An Advantage plan requires that you have to work within a network. Most often there are HMO and PPO style plans. On an Advantage plan you only incur cost if you incurred care. Meaning, if you go to the doctor or hospital, then you will have a co-payment. The advantage of an Advantage plan is that it provides you with an Out-of-Pocket Maximum. Thus giving you a cap to your liability. Oftentimes, Part D prescription drug coverage is included in these plans. So your doctor, hospital, and drug coverage is all inclusive within one plan. An Advantage plan requires you to keep your Medicare Part B (Medical) premium current, but has either zero or a low monthly premium. Part B reduction is also available to reduce the cost of Medicare. The main difference between a Supplement and Advantage Plan is form and function. Supplements have no network where advantage plans do. Supplements have the cost frontloaded in the form of a monthly premium. You are going to pay for coverage every month regardless if you need it or not, but when you do you may pay very little. An Advantage plan has its cost backloaded in the form of a copay. This is a variable cost system where your cost will vary from month to month as you manage your health. Choosing the right plan depends on your needs and wants. Let us help you in making the right decision. MED IC A R E MA D E E A S Y | T U R N I N G 6 5

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STILL WORKING AND TURNING 65 I

am still working and have insurance coverage through my employer or spouse’s employer. What do I need to do about Medicare when I am getting ready to turn 65?

der your spouse’s coverage where you are making up the bulk of the monthly cost through the employer. What would their cost be if we removed you from the coverage?

This question has a lot of moving parts.

• What is your prescription drug load? Not only do we want to look at the monthly cost of the plan but we would need to figure in drug cost. On Medicare your drug cost does not go toward your out of pocket maximum. So if you are currently meeting your max out of pocket on your current plan due to drug cost, we might be able to get you a cheaper plan per month, but might end up overpaying for drugs on Medicare compared to your cur rent plan.

The best thing for us to do is to do a cost benefit analysis as everyone always wants the same thing: the best insurance for the least amount of money. Let’s start with a few things that are going to determine what you end up doing about your Medicare. • Cost of your current coverage per month. Not only do we need to know your monthly cost of the plan, but we would also need to know your annual deductible and out of pocket maximum so that we can calculate your cost and risk. • Are you insuring a spouse or is a spouse insuring you? Maybe both you and your spouse are eligible to go onto Medicare. You might be covered un-

Size of your current employer? If you work for an employer of 20 or fewer employees you will want to really make sure we look at this in depth. If you happen to stay on a small employer plan you may be penalized for not enrolling in Medicare when you where first eligible.

Are you collecting your Social Security benefits? If you are collecting your Social Security, the SSA will conditionally enroll you into Medicare Part B. What you do not want to do is to stay on your current employer plan and also have Medicare start. You would want to delay Medicare Part B from starting if you are going to stay on your current employer plan.

Again, what it comes down to is that doing a full cost benefit analysis is the best thing to do. To look at all the moving parts we will help you understand the best way to move forward with Medicare. Give us a call today so we can help you decide if staying on your current coverage or going onto Medicare would be best for you.

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ARE YOU TURNING 65 OR NEW TO MEDICARE?

Get Medicare-ready— it’s not too early Have a free* Humana Medicare Advantage plans benefits review Whether you have Medicare already or you’re taking your first steps toward it, now is a fine time to learn about plans, premiums and prescription coverage.

Learn from an expert Your local, licensed sales agent can show you available plans and what they offer. There’s no obligation, and this conversation may help you:

Call a licensed independent sales agent Suncoast Legacy Advisors 386‑846‑4190 (TTY: 711) Monday - Saturday 8 a.m. – 8 p.m. bill@suncoastlegacyadvisors.com

• Find out which plans fit your needs and lifestyle • See whether your prescriptions are covered • Learn about wellness programs that may be available as part of a Medicare Advantage plan

More than a plan See why more than 9 million people across the country** have chosen Humana all-in-one Medicare Advantage plans and stand-alone prescription drug plans.

*No obligation to enroll. **Humana Inc. First Quarter 2021 Earnings Release April 28, 2021 At Humana, it is important you are treated fairly. Humana Inc. and its subsidiaries comply with applicable Federal Civil Rights laws and do not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientation, gender, gender identity, ancestry, marital status or religion. English: ATTENTION: If you do not speak English, language assistance services, free of charge, are available to you. Call 1‑877‑320‑1235 (TTY: 711). Español (Spanish): ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 1‑877‑320‑1235 (TTY: 711). 繁體中文 (Chinese): 注意:如果您使用繁體中文 ,您可以免費獲得語言援助服務 。 請致電 1‑877‑320‑1235 (TTY :711) 。

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Turning 65?

All the benefits of Original Medicare and more Get the right coverage, local resources and the care you need to live the life you want.

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$

PREMIUM PLANS INCLUDING

DENTAL

Call for personalized help

William Gay

(386) 846 - 4190 (TTY: 711) 9:00 AM - 5:00 PM ET, Mon. - Fri. A licensed agent will answer your call. bill@suncoastlegacyadvisors.com

Aetna Medicare is a HMO, PPO plan with a Medicare contract. Our SNPs also have contracts with State Medicaid programs. Enrollment in our plans depends on contract renewal. Plan features and availability may vary by service area. ©2021 Aetna Inc. Y0001_26501a_2022_M 1A.12.431.1

Not affiliated with or endorsed by any State or the U.S. Government or the Federal Medicare/Medicaid Program. Calling the number above will direct you to a Licensed Insurance Agent.


Medicare Advantage Plans

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Copay on more than 100 prescription drugs Premiums Primary care copays Deductibles on medical and prescription

PLUS

NEW NEW

Increased vision, hearing and dental allowances Over-the-Counter allowances

Visit myHFHP.org for more information.

Call now to discuss your Medicare options with a licensed insurance agent:

William R. Gay 386.846.4190 bill@suncoastlegacyadvisors.com www.suncoastlegacyadvisors.com

Health First Health Plans is an HMO plan with a Medicare contract. Enrollment in Health First Health Plans depends on contract renewal. Y0089_EL9081_M Accepted 02262021 Not affiliated with or endorsed by any State or the U.S. Government or the Federal Medicare/Medicaid Program. Calling the number above will direct you to a Licensed Insurance Agent.


LET US HELP YOU WITH YOUR

MEDICARE CHOICE • Our services are FREE. • Our recommendations are based on YOUR needs and wants, not the insurance carrier, as they all pay the same commission. • We maintain our relationship with you year over year. • As your needs and wants change, or if the plans change, our recommendations may change. • United Healthcare • Humana • Health First • Cigna • Transamerica

We Meet w Will Your Co ith You at nvenien ce:

PHONE, IN PERSO N, or ZOOM

• Ascension Complete • Florida Blue • Florida Health Care Plans • Devoted Health • Simply Health Care

• SilverScript • Advent Health • WellCare • Aetna • Care Plus

Call Now to Discuss Your Medicare Options with a Licensed Insurance Agent Jacksonville Naples / Fort Myers Panhandle 904-453-7699 239-236-3437 850-655-7075 Miami 305-317-7117

Orlando 407-787-9844

Tampa 813-816-0909

TOLL FREE: 888-777-5591 www.SuncoastLegacyAdvisors.com info@suncoastlegacyadvisors.com @SunCoastLegacyAdvisors Not affiliated with or endorsed by any State or the U.S. Government or the Federal Medicare/Medicaid Program. Calling the number above will direct you to a Licensed Insurance Agent.

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