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While you may know these plans help cover copayments, coinsurance, and deductibles, several lesser-known features make this coverage even more valuable. Understanding these nuances can help you make a more informed decision about your healthcare future. Here are five surprising facts about Medigap that might change how you view your coverage options.

The Medicare enrollment period is a designated time each year when beneficiaries can make changes to their Medicare coverage. This period typically runs from October 15 to December 7 annually. During this time, you can: Switch from Original Medicare to a Medicare Advantage plan. Change from one Medicare Advantage plan to another. Enroll in a Medicare Part D prescription drug plan. Drop your Medicare prescription drug coverage.

Medicare can be confusing, but as soon as you understand the different parts of Medicare and how they work together, it all makes sense in short order

Understanding the wonderful, wacky world of Medicare can often feel overwhelming, especially when the costs change each year. Understanding these adjustments is essential for budgeting and ensuring appropriate coverage for your healthcare needs. WHAT WILL MEDICARE COST IN 2026 WHAT COSTS ARE COVERED BY MEDICARE When we talk about “Medicare costs,” we are generally referring to a few different types of payments you might make: Such as: Premiums, Deductibles, Co-Pays & Co-I

S MEDICARE FREE WHEN YOU TURN 65? Many people wonder about the costs associated with Medicare after reaching 65. The short answer is: no, Medicare is not entirely free of charge. Here’s a breakdown of expected expenses: Part A Costs: Most people do not pay a premium for Part A because they have paid Medicare taxes throughout their working years. However, some may be required to pay a premium if they do not qualify based on their work history. Part B Costs: Part B requires a

Understanding health coverage options can be overwhelming, especially when it comes to Medicare. This federal program provides essential health insurance to millions of Americans, primarily those aged 65 and older, as well as certain individuals with disabilities younger than 65. Knowing what Medicare covers, the benefits it offers, and the choices available can help you make informed decisions about your healthcare.

We wrote this to help you better understand Medicare concisely and transparently. Medicare consists of four parts. Medicare Part A,  Part B, Part C, and Part D  MEDICARE PART A - Pays for Inpatient Hospitalization, Hospice, and Skilled Nursing Care. MEDICARE PART B - Pays for outpatient doctor visits, Lab Tests, Screenings, and DME. MEDICARE PART C - Is Medicare Advantage MEDICARE PART D - Covers Prescription Medications.

Please keep an open mind when evaluating quotes from each carrier. There are well-known insurance companies and those that are less well-known; however, all Medigap plans are standardized, and carriers must offer the same coverage. To compare insurance carriers, consider their financial rating to assess their reliability. Work with an Independent Medicare Broker in your area to ensure you are maximizing your discounts.

Perhaps the most significant benefit is choice and portability. A Medicare Supplement or Medigap plan allows you to choose ANY Doctor, go to ANY Hospital ANYWHERE in the United States, and you are covered, as long as the Doctor and Hospital both accept Medicare's Assignment/Fee Structure.

MEDICARE PRESCRIPTION DRUG PLANS You must be enrolled in Medicare Part A and/or Part B to be eligible to enroll in Part D. Medicare drug coverage is only available through private plans. If you have Medicare Part A and/or Part B and you do not have other drug coverage (creditable coverage), you should enroll in a Part D plan.

What makes matters confusing to the public is that it is different from any Healthcare we have ever had, and it uses words, concepts, and acronyms we have never seen or heard of before. However, once you have a chance to work with someone who not only understands Medicare but also has the requisite skills and attributes to teach and explain it to others, it becomes much less daunting. In this article, I have tried to encapsulate Medicare in a basic but friendly format that

A Medicare Insurance Broker, also known as a Medicare Broker or Medicare Agent, undergoes extensive training on Medicare law and Medicaid services and is officially certified by insurance companies by CMS guidelines. They are required to adhere to stringent regulations, particularly about marketing and enrollment, ensuring full compliance with Medicare, state insurance regulations, and private insurance companies.

There are two types of Agents. A Captive Agent is only contracted with one Insurance company, meaning they are not allowed to Market or discuss any other Medicare plans from any other company. The second type of Agent is an Independent agent that typically only has 1-3 companies that they are contracted with. While a Medicare Broker, who is still technically an Agent, can represent multiple Insurance companies.Do you know the difference?

You may never need to file a Medicare Claim, but if you do, we want to provide you with step-by-step instructions on how to file a Medicare Claim in the event you ever need it.

When it comes to Medicare for Veterans, Veterans and their families are required to be enrolled in Medicare Part B in order to receive and take advantage of their VA Health Benefits.

We work tirelessly every day to help our clients achieve Peace of Mind by taking care of them and making sure they are happy with their healthcare. We plan on being a resource for them for the rest of their lives.

Here at Braden Medicare Insurance, it is almost an oxymoron to say the words Medicare and Reader's Digest Form in the same sentence. That is simply because Medicare is so broad and complex that it is challenging to encapsulate the concepts in a book, let alone a chapter, and have them make sense. In this article, we have done our best to present the condensed Reader's Digest version of Medicare. We hope you find the article helpful and worthwhile.

This ALL ABOUT IRMAA ARTICLE is meant to educate you on what IRMAA is as it relates to Medicare. IRMAA is an acronym for Income-Related-Monthly-Adjustment-Amount.

Here at Braden Medicare Insurance, we have included the most commonly used and requested forms from our clients. However, if you are looking for a specific item or form and do not see it here, call us at (480) 225-1393 or email me at mike@bradenmedicare.com, and we will do our best to send it to you asap.

Life is beautiful, every day is a gift, and I love what I do.  You will find that we genuinely enjoy helping people and educating them about Medicare. We do our best to advise and guide them so they can make the best decisions for themselves and their families moving forward. I am available any time of the day you need me, but fair warning, I answer my phone and emails every day that ends in "Y", so please, please never feel bad about calling, texting, or emailing me anytime.

At Braden Medicare Insurance we are proud to partner with the best Medicare Insurance providers in America.

Original Medicare has always consisted of Two Parts, Medicare Part A and Medicare Part B, since Lyndon Johnson signed it into law.  Then, under Bill Clinton, Medicare introduced the third part of Medicare, Medicare Part C. Initially referred to as Medicare Choice at the time, it later became known as Medicare Advantage.   Lastly, George W. Bush added the final component of Medicare, Medicare Part D, which covers Prescription Drug plans.