Choosing a Medicare plan isn’t always as simple as some like to play it off as. The truth of the matter is that there is no one-size-fits-all Medicare plan. The Medicare plan that is right for you depends on your situation. Fortunately at Zero Bullshit Insurance, we can present you with many options that work specifically for you so you can find the best coverage possible.
How Can We Help?
Our job is not to sell what the insurance companies say to sell. Our job is to work for you.
At our agency, there is a complete “No-Bullshit Tolerated Zone” that keeps us from dragging you along and only selling plans that make no sense for your needs. We have all the resources we could possibly need to find all of the Medicare options available to you to ensure you have an excellent selection of plans to choose from.
Moral of the story? Don’t work with agents who only care about making a sale. Work with us, independent brokers, who actually care about you and what you want.
When Should I Join Medicare?
When it comes to paying the least amount for your plan, there’s no time like the present. The absolute best time is during the Initial Enrollment Period. This begins three months before you turn 65, and ends three months after.
Joining during the Initial Enrollment Period has these advantages:
- You can get Part A premium-free if you worked at least 40 tax quarters as an employee in the U.S.
- You can enroll in Medicare Advantage without having to wait until the Annual Enrollment Period
- You will not have to incur any late enrollment penalties (these are tacked onto your premiums)
Should I Join Original Medicare Or Medicare Advantage?
If you have other coverage, such as employer health insurance, it is a better idea to get Original Medicare (Part A and Part B together). You will get the benefits of both Original Medicare and employer insurance policies, and this could help you save even more. You also have the option to join a Medicare Supplement Plan if you have Original Medicare.
Medicare Advantage (Part C) is better if you do not already have insurance, or would prefer to switch. You cannot have other health insurance with Medicare Advantage. But Medicare Advantage offers benefits like dental, vision, and hearing – three types of services that are famously absent from Original Medicare. This is also better if you prefer to stay within a coverage network.
Learn More About Your Medicare Options From The Help Of Experts
Unsure of the Medicare coverage you need? We get it. Medicare can be complicated, but our team of Medicare experts will give you all the information you need to make the right decisions. Reach out to us today to get straightforward answers to your questions.
