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Ask The Expert
ASK THE Medicare EXPERT
WE CARE MEDICARE ANSWERS YOUR QUESTIONS By Debbie Stovall care. Part B, medical insurance, helps Q. WHEN CAN I SIGN UP FOR that includes services covered by We Care Medicare pay for doctor visits, outpatient care, MEDICARE? Part A and Part B and usually indurable medical equipment and many A. Your initial enrollment period is cludes Medicare prescription drug Q. WHAT IS MEDICARE? preventative medical services. three months before you turn 65, the coverage as part of the plan’s opA. Medicare is a federal individual month you turn 65 and three months tions. Medicare Advantage plans are health insurance for eligible U.S. Q. IS MEDICARE FREE? after your 65th birthday. You may de- run by Medicare approved insurance citizens and legal residents that are 65 A. No! Original Medicare pays for lay enrollment if you are working full- companies that follow the guidelines or older, people much, but not time with credible insurance coverage. set by Medicare. under 65 with all, of the cost However, it is wise to check out your certain disabilities for your health options prior to turning 65. Q. WHERE CAN I GET MORE and people of any care services HELP AND INFORMATION? age with End- and supplies. It Q. WHAT ARE MY MEDICARE A. Contact an independent licensed Stage Renal Dis- typically pays for INSURANCE OPTIONS? insurance broker that specializes in ease (ESRD). It is about 80 percent A. Original Medicare (Parts A and Medicare and represents many of the funded in part by of your health B) does not cover the cost for all of private insurance carriers that ofthe taxes you paid care services your prescription drugs, health care fer Medicare plans. An independent while working. and you are supplies and services. You may add a Medicare broker can help guide you responsible for prescription drug plan (Part D) and/ through the complex and confusing Q. WHAT DOES MEDICARE about 20 percent. Part A is premium or add a Medigap (Medicare Supple- Medicare process. They can provide COVER? free (if you or your spouse worked ment) plan to help cover the extra you with a complimentary analysis A. Original Medicare is divided into and paid taxes for 10+ years) but there costs. Medigap and Part D policies are of your costs and options which will two parts. Part A, hospital insurance, is a deductible. Part B has a monthly sold by private insurance companies. allow YOU to make the best decihelps cover services such as inpatient premium, adjusted for income and sion based on your unique needs and hospital care, skilled nursing facility a lifetime premium penalty for late Another option is to sign up for a finances. All of their services are no care, Hospice care and home health enrollment. Medicare Advantage Plan (Part C) cost to you.
MEDICARE 101
Wednesday, September 19 | 6:30-8:00 p.m. Ina Levine Jewish Community Campus Library 12701 N. Scottsdale Rd. • Scottsdale, AZ 85254 Wondering about Medicare options?
This COMPLIMENTARY INFORMATION SESSION is for you! Get your questions answered by licensed Medicare brokers, Ellyn Klein and Debbie Stovall.
Find out which plan is best for you, how to enroll, and more!
• What is Original Medicare? • What is Part A, B, C or D? Which do you need? • How do you know which plans your doctors are in and if your prescription drugs are covered? • Are you currently paying too much for your benefi ts or not protected enough?
Debbie Stovall Licensed Insurance Broker
MEDICARE SUPPLEMENT PLANS | ADVANTAGE PLANS PRESCRIPTION PLANS Call for a free consultation: (602) 954-9143 www.WeCareMedicareAZ.com
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