Medicare Benefits

Navigating Medicare enrollment can be a bit tricky, but I’m here to help! There are insurance plans that can add extra coverage to Original Medicare Parts A and B. You’ll need to decide between Medicare Supplement, Medicare Advantage, and Prescription Part D plans, and determine which plans are best for you.

I’m here to guide you through the process and help you make the best choice for your medical needs and budget. Medicare can be a bit overwhelming, but once you’re enrolled, the system is user-friendly and easy to navigate.

Below are answers to some common Medicare questions I hear —

Which is a better insurance option, Medicare Supplement or Medicare Advantage plans?
It is a personal choice, both options have their advantages and disadvantages. I explain the benefits of both plans to help you make the best decision for your healthcare needs and budget.

What is IRMAA?
Income-Related Monthly Adjustment Amount (IRMAA) refers to a surcharge paid to Medicare if your income is above certain levels. Individuals with higher incomes pay higher premiums for both Part B and Part D. The surcharge is based on modified adjusted gross income and the government will look at tax returns two years prior to your Medicare enrollment to determine the surcharge amount. When your income goes down, the surcharge terminates.

Do I have to enroll in Medicare if I am still working past the age of 65?
If the company you work for has 20 employees or less, Medicare will be your primary insurance and the group health insurance plan will be your secondary. If the company you work for has more than 20 employees, the group health insurance plan is primary and Medicare is secondary.

I have a HSA plan, can I still make contributions if I elect Medicare?
No, if you elect Medicare, you cannot contribute to your HSA plan nor can your employer. You can use your HSA plan to pay for qualified medical costs in retirement — dental and vision coverage, premiums, and other out-of-pocket healthcare costs.

Can I dis-enroll from Medicare?
Yes, you can. After enrolling in Medicare, if you found employment with benefits, you could dis-enroll and elect the company’s employee benefits. When you leave that employment, you can re-enroll in Medicare.

Contact me to schedule an initial Medicare meeting. I provide comprehensive education regarding all available insurance options. I am familiar with all the insurance plans and group retiree plans, so I can give you information you need to make an informed decision.

Conducts Medicare enrollment meetings for group retiree accounts including unions, large companies and state municipalities

Client presentations on Medicare Planning for financial planning practices, law firms, employer groups