Should I activate Medicare Part B?

You should sign up for Medicare Part A even if you are still working and have insurance through your employer as most people get Medicare Part A for free. Medicare Part B comes with a whole different series of questions you must ask yourself before activating it.  You’ll pay a premium for Medicare Part B so you’ll want to delay signing up for Part B if you have creditable coverage, (through an employer or union).  Be sure you understand the requirements for activating Part B at a later date.  … [Read more...]

Free Unbiased Assistance With Your Medicare Insurance needs

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Debbie Elmer, OCMedicare.com founder, has been in the insurance industry since 1982, helping Californian’s with their Life, Health and Medicare Insurance needs for over 30 years. She built OCMedicare.com with the purpose of providing you caring, unbiased education and support so you can make the right decisions about your Orange County Medicare Insurance. She is the kind of insurance agent that brings ease to the Medicare Insurance application process, allowing you to understand how Medicare … [Read more...]

Medicare Help: How Do I Apply For Medicare?

Most people do not realize that there is not a “Medicare office” where they go to get their Medicare Insurance. This is sometimes a bit confusing because, to apply for your Medicare benefit you must visit your local Social Security office. You may also visit this link and apply online. You will only be able to apply, using this link, if you wish to activate your social security at the same time. If you are delaying your social security payments then you will need to go to the Social Cialis … [Read more...]

Medicare Advice: Do I Really Need Medicare Insurance?

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If you’ve applied for Medicare Part A and B you’ve got Medicare Insurance.  But, you’ve still got a big gap that could create a financial hardship for you if you don’t cover that gap with additional insurance. Medicare covers 80% of your Medicare approved procedures, doctor visits, etc.  But you are still responsible for 20% of all charges. That 20% isn’t a big deal if you just have to see the doctor, but if you have a catastrophic event take place, you’ll be responsible for 20% of ALL … [Read more...]

Health and Medicare Insurance Options at Age 65

There are loads of health insurance options for people over age 65. Below we'll discuss each of them so you get a better understanding of what to look for and which type of plan might work best for you. Private Insurance Some people, over 65, have company sponsored group medical insurance that carries over into retirement. These plans must be reviewed by a Professional Medicare Insurance Advisor to determine whether or not it is in your best interest to stay on your retiree plan, or opt out … [Read more...]

Medicare Plans: Income-Based Part D Premiums

Starting January 1, 2011, Part D monthly premiums will be based on your income. This includes Part D coverage you have from a Medicare Prescription Drug Plan, a Medicare Advantage Plan or a Medicare Cost Plan that includes Medicare prescription drug coverage. If your modified adjusted gross income, as reported on your Internal Revenue Service tax return from two years ago, (the most recent tax return information provided to Social Security by the Internal Revenue Service) is above a certain … [Read more...]

Medicare Is Now A Reality For Baby Boomers

The first wave of Baby Boomers begin turning 65 in January 2011. This means that if you are one of these Baby Boomers you will be signing up for Medicare for the first time. It can be a complex and frustrating process that could cost you time and money, if you make mistakes or wrong choices. … [Read more...]

Medicare help: How To File A Medicare Claim

When filing a Medicare claim it has to be filed within one calendar year following the year that the services were provided for the claim. This means, one year after you have the treatment for the health condition, you have to file a claim before that calendar year is up. For example, if you have made a physician’s visit on the month of March 2009, a Medicare claim can be filed before 31st December 2010. … [Read more...]

Medicare News: Attention Medicare Beneficiaries!

Are You Spending Half Your Income On Out Of Pocket Expenses? Imagine spending over half of your annual income on health care services each year. The Medicare program is a program that will pay for health care services for adults 65 years of age or older, or individuals with disabilities. This health care program will pay for a portion of inpatient and outpatient services. This program typically costs a significant amount from beneficiaries. During the year 2005, beneficiaries paid $912 in … [Read more...]

Medicare 101: How To Qualify for Medicare

Medicare is an American healthcare system for people of the age 65 or older. It is primarily funded by employees and employers through payroll taxes, as well as, monthly premium deductions from social security checks. If you would like to know how to qualify please read the following steps. … [Read more...]