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Medicare

Group One USA Insurance offers expert guidance to help you understand the initial steps of the Medicare enrollment process.

Our support ensures that individuals understand their options, select the right coverage, and have the information they need to make informed decisions about their coverage options. Group One USA Insurance  helps simplify the enrollment process by helping beneficiaries select a plan that fits their healthcare needs.

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Medicare

Group One USA Insurance offers expert guidance to help you understand the initial steps of the Medicare enrollment process.

Our support ensures that individuals understand their options, select the right coverage, and have the information they need to make informed decisions about their coverage options. Group One USA Insurance  helps simplify the enrollment process by helping beneficiaries select a plan that fits their healthcare needs.

Personalized Solutions

For unique needs.

Original Medicare

Original Medicare, comprising Part A and Part B, is the foundation of the U.S. government's health insurance program for individuals aged 65 and older. Part A covers hospital-related services, like inpatient care, while Part B addresses outpatient care, doctor visits, and preventive services. Part D benefits help cover prescription drugs. Part A is often premium-free for those who paid Medicare taxes, while Part B and D typically requires a monthly premium.

Although Original Medicare provides essential coverage, it doesn't cover all expenses, leaving beneficiaries with potential out-of-pocket costs.

Individuals approaching the age of 65 have the option to apply for Original Medicare, either three months before or three months after their birthday. They can do so through convenient channels such as online, telephone assistance, or by visiting the nearest Social Security office in person.

Group One USA Insurance is here to help you with any questions you may have about Original Medicare.

Medicare Advantage

Medicare Advantage, also known as Medicare Part C, is an alternative to Original Medicare offered by private insurance companies approved by Medicare.

This comprehensive plan integrates coverage from Medicare Parts A and B, offering additional benefits like vision and dental care, with some plans also providing prescription drug coverage. Medicare Advantage plans function under a managed care model, utilizing a network of preferred providers. Beneficiaries are still responsible for paying their Part B premium alongside any premium associated with the Medicare Advantage plan.

Medicare Advantage plans aim to simplify healthcare for beneficiaries by bundling various services into one plan. They may also have out-of-pocket limits, providing financial protection for beneficiaries. The plans can be an attractive option for those looking for more comprehensive coverage and additional perks beyond what Original Medicare provides. It's important for individuals considering Medicare Advantage to review plan details, including network restrictions and coverage specifics, to ensure it aligns with their healthcare needs and preferences.

Supplemental

Medicare Supplemental Insurance, commonly known as Medigap, is a private insurance coverage designed to complement Original Medicare (Parts A and B). While Original Medicare covers many healthcare expenses, it doesn't pay for all costs, such as deductibles, copayments, and coinsurance.

This is where Medigap comes in — it helps fill the gaps by covering some of these out-of-pocket expenses, providing beneficiaries with more predictable healthcare costs. Medigap plans are standardized and labeled with letters (e.g., Plan F, Plan G), offering different levels of coverage, but the benefits for each plan with the same letter are consistent across insurance companies.

Individuals interested in Medigap must have Original Medicare, and they pay a separate premium for Medigap coverage in addition to the premiums for Part B. Medigap plans give beneficiaries the flexibility to choose their healthcare providers without network restrictions, making it easier to access care. It's worth noting that while Medigap offers robust coverage, it doesn't include prescription drug coverage, so beneficiaries often need to enroll in a separate Medicare Part D plan for prescription medications.

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Process

How it works

Step 1

Request your quote

Fill out a simple form and we’ll gather your top insurance quotes.

Step 2

Compare your options

Talk with one of our advisors to compare and understand your options.

Step 3

Secure your policy

We will handle the boring insurance paperwork so you can get back to what you’d rather be doing.

Frequent Asked

Questions

What happens if I don't sign up for original Medicare when I'm eligible?

Medicare is government-run health insurance for individuals aged 65 and older. Some people may qualify for Medicare at a younger age due to disability, End-Stage Renal Disease (ESRD), or ALS. If you miss your initial enrollment period (Usually around your 65th birthday), you may have late penalty.

 

Late Enrollment Penalties: If you delay signing up for Medicare and don’t qualify for a special enrollment period, you may face a penalty. The penalty amount depends on which part of Medicare you are enrolling in (Part A, Part B, or Part D) and how long you have delayed enrollment.

 

  • For Part B, the late penalty is 10% for each 12-month period.
  • For Part D, the late penalty is an additional 1% for each month (12% per year) that you could have enrolled in Part D, but did not.

 

It is important to know the enrollment rules and penalties associated with delaying Medicare coverage. If you are unsure of your situation, please contact us for personalized advice.

Does Medicare Cover Hospice Care?

Hospice care is designed for individuals with a life expectancy of 6 months or less. Those who meet all necessary requirements may be eligible for this benefit without cost-sharing. Additionally, hospice care is covered by Part A of original Medicare.

How Do I Know If I’m Eligible for A Medicare Supplement (Medigap) Plan?

To determine if you qualify for a Medicare Supplement (Medigap) Plan, here are the key points to consider:

Age and Enrollment:

  • You must be at least 65 years old and enrolled in both Medicare Part A and Part B (Original Medicare).

 

Enrollment Periods:

  • Your best time to enroll in a Medigap plan is during your Medigap Open Enrollment Period (OEP). This period starts the first day of the month you turn 65. This period lasts for six months.
  • During your OEP, you are entitled to guaranteed issue, which means you can choose any Medigap plan available in your area without medical underwriting, and the insurer cannot deny you coverage or charge you higher premiums based on your health status.

 

Medical Underwriting:

  • If you apply outside of the Open Enrollment Period or Special Enrollment Period, you may have to undergo a medical underwriting in most states.
How Soon After I Enroll Will My Medicare Benefits Begin?

The start date of your Medicare benefits depends on when you enroll and which part of Medicare you are enrolling in. Here's a general guide for different scenarios:

• Medicare Part A and Part B (Original Medicare): If you enroll during your Initial Enrollment Period (IEP) — which starts three months before the month you turn 65 and ends three months after the month you turn 65 — your coverage generally begins on the first day of your birthday month. If your birthday is on the first day of the month, your coverage starts on the first day of the previous month.
• Medicare Part C (Medicare Advantage) and Part D (Prescription Drug Plans): If you enroll during your IEP, your coverage starts on the first day of the month you turn 65. If you enroll outside your IEP during an Annual Enrollment Period (October 15 through December 7), your coverage begins on January 1 of the following year. Unless you have a valid special enrollment period that allows you to enroll prior to the Annual Enrollment Period.

• Medicare Supplement (Medigap): If you enroll in a Medigap plan during your Open Enrollment Period (which starts the month you turn 65 and lasts for six months), your coverage typically starts immediately. If you enroll outside of this period, your coverage may start immediately, but this could vary depending on the insurance company.

Remember that the exact start dates can vary based on specific circumstances and the insurance plans or companies involved.

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