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Category: Medicare

What Are the Differences Between Medicare and Medicaid?

Posted on by Matt McColm
Medicare or Medicaid a conversation about the differences

Hey, it’s Wenatchee Insurance! We are answering a classic question today, what are the differences between Medicare and Medicaid. We are going to use a Golden example:

It’s 2024, you’re sitting with Blanche, Dorothy, Rose, and Sophia in Miami, and you’re scratching your head over the differences between Medicare and Medicaid. Sit tight and grab a cheesecake because we’re about to unravel this mystery Golden Girls style!

Medicare: The Senior Superstar

Dorothy: “Alright, let’s start with Medicare. It’s like Stan – it’s been around forever. Medicare is a federal program mainly for folks aged 65 and older. It also covers younger individuals with certain disabilities and those with End-Stage Renal Disease (ESRD). Think of Medicare as the golden ticket for our seasoned citizens.”

Medicaid: The Need-Based Nurturer

Blanche: “Oh honey, Medicaid is a whole different ball game. It’s a joint federal and state program that helps people with limited income and resources. It’s like that nice gentleman who insists on paying for your drinks at the Rusty Anchor – it’s there to lend a hand when you need it most.”

Who Qualifies?

Medicare:

Rose: “If you’re 65 or older and worked your credits, congratulations, you qualify! But even if you’re younger and have disabilities or ESRD, you’re still in the club.”

Medicaid:

Sophia: “Eligibility for Medicaid is trickier than finding a good cannoli in Miami. It depends on your income, family size, and sometimes disability or other factors. Each state has its own rules – it’s like trying to follow Rose’s stories about St. Olaf.”

Example Time!

Dorothy: “Meet George, a 68-year-old retiree. He’s eligible for Medicare because he’s over 65. Now, consider Anna, a single mother with a low income. She qualifies for Medicaid to help cover her children’s medical expenses. Simple as pie, right?”

health or medicare enrollment suzie makes it easier

What Do They Cover?

Medicare:

Blanche: “Medicare’s got you covered for hospital stays (Part A), doctor visits and outpatient care (Part B), Medicare Advantage (Part C), and prescription drugs (Part D). It’s like having a fabulous wardrobe – everything you need, you just have to mix and match beforehand .”

Medicaid:

Rose: “Medicaid covers a broader range of services, including hospital and doctor visits, long-term care, and sometimes even dental and vision care. It’s like the St. Olaf Cheese Festival – there’s something for everyone!”

Example Time!

Sophia: “Imagine Sue, who has both Medicare and Medicaid (dual eligibility). Medicare covers her hospital and medical expenses, while Medicaid helps with additional costs like long-term care and some out-of-pocket expenses. Sue’s got the best of both worlds – like having cheesecake for dinner and dessert!”

How Are They Funded?

Medicare:

Dorothy: “Medicare is funded by payroll taxes, premiums, and general revenue. It’s as straightforward as Blanche’s love life – always funded by someone.”

Medicaid:

Sophia: “Medicaid, on the other hand, is jointly funded by the federal government and the states. The feds match state spending, with the match rate varying by state. It’s like a family potluck – everyone brings something to the table.”

Example Time!

Rose: “Think of Medicare as a national program with uniform rules. Medicaid is more like St. Olaf’s festivals – each state adds its own unique twist to the overall picture.”

Wenatchee Insurance: Your Dual Eligibility Expert

Blanche: “Navigating the differences between Medicare and Medicaid can feel like one of Rose’s long stories. But don’t worry, darling, Suzie at Wenatchee Insurance is here to guide you through every twist and turn.”

Dorothy: “Our knowledgeable agents can help you understand which program you qualify for and how to make the most of your benefits. Remember, understanding Medicare and Medicaid doesn’t have to be a puzzle.”

Sophia: “With Wenatchee Insurance by your side, you’ll find your way in no time. So stay tuned for more insights, tips, and helpful advice. And always remember – thank you for being a friend!”

calling suzie for medicare or health insurance help

Topics: Medicare, Medicare Advantage, Suzie, Wenatchee Insurance, SSDI, ESRD, Hospital Insurance, Prescription Drug Coverage, Part D, Medical Insurance, Disability, Dual Eligible, Dual SNP,

How Do I Choose the Right Medicare Plan for Me?

Posted on by Matt McColm
Medicare plan 65 Wenatchee Advantage

Hey it’s Suzie with Wenatchee Insurance coming in from 413 Mission Street! Today, we’re tackling the question that’s as tricky as choosing the right toppings for your pizza: “How do I choose the right Medicare plan for me?” Like finding the perfect slice, selecting the right Medicare plan requires a bit of thought, a touch of flair, and maybe a dash or two of pepperoni.

appointment with Suzie

Step 1: Know Your Cravings (er, Needs)

First up, you need to understand your healthcare cravings – I mean, needs. Ask yourself:

  • How often do I visit the doctor? Does your doctor’s office know your cat’s favorite toy, or do you just drop by for an annual tune-up like a leaf in the wind?
  • What meds am I taking? Is your nightstand a mini-pharmacy, or do you have a couple of trusty prescriptions?
  • Who are my favorite healthcare providers? Do you have a doc you’d follow to the ends of the earth (or at least across town)?

Example Time!

Take Rita. She’s got more doctor appointments than a socialite has lunch dates and takes a medicine cabinet’s worth of prescriptions. She needs a plan that covers all her meds and keeps her favorite doctors in-network. Rita’s Medicare plan hunt is like finding the perfect pair of shoes: practical, stylish, and something you can walk miles in.

Step 2: Check Out the Menu (Plan Options)

Here’s the Medicare menu:

  1. Original Medicare (Parts A & B): The classic. Like a good cheese pizza, it’s dependable and straightforward.
  2. Medicare Advantage (Part C): The supreme combo. These plans, offered by private companies, bundle Parts A, B, and usually Part D, plus extra toppings like vision, dental, and gym memberships.
  3. Medicare Part D: Standalone prescription drug plans. It’s like adding a side of garlic knots.
  4. Medigap (Medicare Supplement): These plans cover costs that Original Medicare doesn’t. Think of it as the Ranch dipping sauce for your crust.

Example Time!

Picture John. He’s a minimalist at heart. Original Medicare with a side of Medigap is his go-to. No frills, just solid coverage that gets the job done, like a perfectly baked Margherita pizza.

Step 3: Compare the Costs (Count the Dough)

Don’t get caught with an empty wallet. Here’s what to look at:

  • Premiums: Your monthly fee – like your subscription to that pizza-of-the-month club.
  • Deductibles: The amount you pay before coverage kicks in. Consider it your ante at the poker table.
  • Copayments/Coinsurance: Your share of the bill – like splitting the tab on pizza night.
  • Out-of-pocket maximums: The most you’ll pay in a year before insurance takes over. Think of it as your “all-you-can-eat” cap.

Example Time!

Meet Mary. She’s on a tight budget but loves a good value. She compares plans to find one with low premiums and reasonable out-of-pocket costs, ensuring she doesn’t end up eating ramen instead of pizza.

We love our senior insurance customers
Why be boring, life is short.

Step 4: Star Ratings (Yelp for Medicare)

Medicare plans come with star ratings (1 to 5 stars). Think of it as checking Yelp reviews before trying a new pizza joint.

Example Time!

Tom wants the best of the best. He checks out the 5-star Medicare Advantage plans, ensuring he’s getting top-notch service, like dining at a five-star pizzeria.

Get Expert Help (Call the Pizza Hotline)

Feeling overwhelmed? Don’t worry! Wenatchee Insurance agents are like your personal pizza hotline. We’ll help you compare plans, answer your questions, and find the perfect Medicare pie for you.

Example Time!

Jane was lost in the sauce until she called Wenatchee Insurance. With expert guidance, she found a plan that fit her health needs and budget, like a pizza made just for her.

Final Thoughts

Choosing the right Medicare plan is like finding your favorite pizza: once you get the right combo, it’s pure bliss. With Wenatchee Insurance by your side, you’ll be enjoying your perfect Medicare slice in no time. Stay tuned for more insights, tips, and plenty of cheesy puns!

appointment with Suzie

Topics: Medicare, Medicare Advantage, Suzie, Wenatchee Insurance, SSDI, ESRD, Hospital Insurance, Prescription Drug Coverage, Part D, Medical Insurance, Disability,

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What does Medicare Cost?

Posted on by Matt McColm
medicare does cost even medicare advantage

Hey North Central Washington, from Wenatchee Insurance on Mission street! Today, we’re diving into the nuts and bolts of Medicare cost. Understanding these costs will help you make the best decisions for your bank account and health.

talk with Suzie

Breaking Down the Medicare Costs

Medicare isn’t free, but understanding its costs is as easy as pie (or at least as easy as a slice). (When Medicare first came out in 1966, the annual deductible for Part A was $40, and the monthly premium for Part B was $3.) There are programs for low income however that is another post. Here’s the breakdown:

Medicare Part A: Hospital Insurance

  • Premium: Most people don’t pay a premium for Part A if they’ve worked and paid Medicare taxes for at least 10 years (40 quarters). If you haven’t, you might pay up to $506 per month.
  • Deductible: In 2024, the deductible for each benefit period is $1,600.
  • Coinsurance: After the deductible, you pay coinsurance for hospital stays:
    • Days 1-60: $0 per day
    • Days 61-90: $400 per day
    • Days 91 and beyond: $800 per “lifetime reserve day” (up to 60 days over your lifetime)

Medicare cost example!

Meet Sam, who’s 65 and newly retired. Since he worked for over 30 years, he doesn’t pay a Part A premium. After a brief hospital stay, he’s grateful his deductible and coinsurance costs are manageable.

Medicare Part B: Medical Insurance

  • Premium: The standard premium for Part B in 2024 is $164.90 per month, but it can be higher based on your income (IRMAA).
  • Deductible: The annual deductible is $233.
  • Coinsurance: After meeting the deductible, you typically pay 20% of the Medicare-approved amount for most doctor services, outpatient therapy, and durable medical equipment.

Note: The Income-Related Monthly Adjustment Amount (IRMAA) is based on the tax return of the previous two years.

Medicare cost example!

Consider Lucy, who loves her yearly wellness visits. She pays her monthly Part B premium and a small deductible, but thanks to Medicare, her out-of-pocket costs for doctor visits and preventive care are minimal.

Part C: Medicare Advantage

Medicare Advantage Plans vary in cost, depending on the plan and provider. Some plans have low or even $0 premiums but may have different deductibles, copayments, and out-of-pocket maximums. These plans vary from company to company and can even be different by zip codes in the same state. We recommend having a trained person walk you through these plans.

Medicare cost example!

Picture John, who chooses a Medicare Advantage Plan with a $50 monthly premium but no additional deductible. His plan includes vision and dental coverage, making it a sweet deal for his needs.

Part D: Prescription Drug Coverage

  • Premium: Varies by plan, with an average of around $33 per month.
  • Deductible: Some plans have a deductible, which can be up to $480.
  • Copayments/Coinsurance: Costs vary based on the medication tier and whether you use a preferred pharmacy.

Note if you do not sign up for Part D or have credibly prescription coverage then you can have a penalty from Medicare.

Wenatchee Insurance: Your Budget Buddy

At Wenatchee Insurance, we understand that navigating Medicare costs can feel like assembling a financial jigsaw puzzle. But don’t worry – we’re here to help you piece it all together. Suzie at Wenatchee Insurance can provide personalized guidance and ensure you understand all the costs involved.

Remember, folks, planning for Medicare doesn’t have to be a budget-busting headache.

set appointment with Suzie

What Are Medicare Advantage Plans?

Posted on by Matt McColm
medicare advantage mutlitool of health

Greetings, Wenatchee Insurance aficionados from Mission Street! Today, Suzie is shining a light on the mystery of Medicare Advantage Plans, also known as Part C. Think of these plans as the Renaissance Man of the Medicare world, combining various benefits into one convenient bundle.

talk with Suzie

Medicare Advantage: The Healthcare Multi-tool

Medicare Advantage Plans are offered by private insurance companies approved by Medicare. These plans include all the benefits of Part A (Hospital Insurance) and Part B (Medical Insurance), and may also include Part D (Prescription Drug Coverage). A Medicare Advantage plan is like a subcontractor. They come in and replace your Part A & B coverages and add different benefits.

While they have undergone changes through the years, Private plans have been around since the beginning of Medicare in 1966. Medicare Advantage plans must cover all medically necessary services that Original Medicare Covers.

Example Time!

Imagine Mary Jo retires and wants to simplify. Instead of juggling separate plans, she opts for a Medicare Advantage Plan that places everything in a convenient package. Mary Jo now has more time to enjoy gardening and less time digging through the different health insurance options.

Medicare Advantage senior in the flowers

Extra Perks: More Than Just Basics

Medicare Advantage Plans often offer additional benefits that Original Medicare doesn’t cover, such as:

  • Vision care: Routine eye exams and glasses
  • Dental care: Cleanings, x-rays, and dentures
  • Hearing care: Hearing exams and hearing aids
  • Wellness programs: Gym memberships, fitness classes, and more

Medicare Advantage plans vary by company and some cases by zip code so it is important to review the benefits based on your address.

Example Time!

Meet Jimmy, an avid cyclist and fitness enthusiast. His Medicare Advantage Plan includes a fitness program, giving him access to numerous gyms and fitness classes at no extra cost. Jimmy’s cycling buddy Fred in a neighboring state has the same company but his plan does not include the fitness program. Jimmy learned about the fitness plan benefits by carefully reviewing the Medicare Advantage plan materials.

Medicare Advantage Senior using benifits

Choosing the Right Plan

Selecting the perfect Medicare Advantage Plan can feel like choosing the right flowers for your garden– so many options! Here are some factors to consider:

  • Network: Check if your preferred doctors and hospitals are in-network.
  • Costs: Compare premiums, deductibles, copayments, and out-of-pocket maximums.
  • Coverage: Ensure the plan covers your medications and any extra benefits you need.
  • Ratings: Look at the plan’s star ratings to gauge its quality and performance.

Example Time!

Consider Jane, who needs regular medication for a chronic condition. She carefully reviews different Medicare Advantage Plans to find one that covers her prescriptions and includes her trusted healthcare providers. With Suzie @ Wenatchee Insurance’s help, Jane selects a plan that fits her needs.

Suzie @ Wenatchee Insurance has been assisting people with Medicare for over ten years.

Navigating the variety of Medicare Advantage Plans can be tricky, but that’s where Wenatchee Insurance can lend a hand. Our trained agents are here to guide you through the options, explain the benefits, and assist you in making an educated decision on which plan is right for you.

Remember, folks, understanding Medicare Advantage doesn’t have to be underwater basket weaving. You’ll find a great plan in no time with Wenatchee Insurance by your side. Stay tuned for more insights and tips!

appointment with Suzie
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Topics: Medicare, Medicare Advantage, Suzie, Wenatchee Insurance, SSDI, ESRD, Hospital Insurance, Prescription Drug Coverage, Part D, Medical Insurance, Disability,

How Do I Enroll in Medicare?

Posted on by Matt McColm
Medicare Advantage questions answered by Suzie at Wenatchee Insurance

Hello, North Central Washington from Wenatchee Insurance!

Today, we’re tackling a question that’s as popular as free Costco Samples: “How do I enroll in Medicare?”

It doesn’t matter if you are turning 65 or qualifying through other means like a disability determination, Suzie with Wenatchee Insurance going to help you walk through the process with ease.

Suzie McColm has been assisting people pick plans in Wenatchee for over a decade. Before that, you may have encountered her when she was a Pharmacy Technician. Seeing the struggles first hand, she took on Medicare to improve the lives around her in our Valley and state.

talk with Suzie

Medicare Enrollment: Your Golden Ticket

We are going to talk about the basics first. Medicare enrollment typically happens in one of three ways:

  • Automatic Enrollment
  • Initial Enrollment Period (IEP)
  • Special Enrollment Period (SEP)

Automatic Enrollment: The Easy Street

If you’re already receiving Social Security benefits when you turn 65, you’ll be automatically enrolled in Medicare Parts A and B. It’s like finding a surprise gift in your mailbox! You should receive your Medicare card three months before your 65th birthday along with a ton of marketing materials.

Yes, you will get a forest of envelopes from Medicare salespeople trying to sell you their plan. Suzie is here to walk people through the choices to make an informed decision.

 If you want Part D (prescription drug coverage) or a Medicare Advantage plan, you’ll need to enroll separately.

Enrollment Medicare Example!

Imagine Mike, who has been receiving Social Security benefits for a couple of years. He doesn’t need to lift a finger – her Medicare card arrives just in time for her 65th birthday bash.

Medicare Advantage and health questions answered by Suzie at Wenatchee Insurance

Initial Enrollment Period (IEP): The First-Time Fun

If you’re not automatically enrolled, don’t worry! The IEP is your chance to join the Medicare party. This period starts three months before your 65th birthday, includes your birthday month, and extends three months after. That’s a seven-month window to sign up for Medicare Parts A and B.

Enrollment Medicare Example!

Picture Tom, who’s turning 65 in July. His IEP runs from April to October. Tom decides to sign up in June to avoid any last-minute rush. Smart move, Tom!

Special Enrollment Period (SEP): The Backup Plan

For those who miss the IEP or have specific circumstances, the SEP is a lifesaver. We see many folks with an employer health plan that can delay Medicare without penalty. Once your employment ends or you lose coverage, the SEP kicks in, giving you eight months to enroll in Parts A and B.

talk with Suzie

Enrollment Medicare Example!

Meet Linda, who’s been happily working past 65 with employer-provided health insurance. When she retires at 68, she has an eight-month SEP to enroll in Medicare without facing late penalties.

Step-by-Step Enrollment Guide

Online: Visit the Social Security website and follow the steps to apply online.

By phone: Call Social Security at 1-800-772-1213.

In person: Visit your local Social Security office.

You will want to have a couple of things on hand before you start. Gather these documents before enrolling:

Social Security number

Birth certificate

Proof of U.S. citizenship or legal residency

W-2 forms or self-employment tax returns for the previous year

Final Thoughts

Whether it’s automatic, during your IEP, or through a SEP, enrolling in Medicare is your ticket to comprehensive health coverage. Suzie with Wenatchee Insurance is here to guide you through every step, ensuring you understand your options and make the best choice for your health needs.

Remember, enrolling in Medicare doesn’t have to feel like Rocket Science. With Suzie and Wenatchee Insurance by your side, you will have guidance every step of the way to make an informed decision. Stay tuned for more helpful tips and friendly advice!

talk with Suzie
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Topics: Medicare, Medicare Advantage, Suzie, Wenatchee Insurance, SSDI, ESRD, Hospital Insurance, Prescription Drug Coverage, Part D, Medical Insurance, Disability,

Finding Medicare Advantage Plans with Suzie at Wenatchee Insurance

Posted on by Matt McColm
assistance in understanding and enrolling with Medicare with Suzie

Mary, a resident of North Central Washington, was approaching her 65th birthday and wanted to select a Medicare Advantage plan. She was overwhelmed by the numerous options and unsure how to compare them. She decided to contact Suzie at Wenatchee Insurance for guidance.

talk with Suzie

Understanding Medicare Advantage Plans

Medicare Advantage plans, also known as Part C, offer an alternative to Original Medicare. These plans are provided by private insurance companies and often include additional benefits like vision, dental, and prescription drug coverage. Each plan is rated based on preventive care, management of chronic conditions, member experiences, and customer service.

Mary’s Experience

When Mary contacted Wenatchee Insurance, an Suzie helped her understand the different plans available in her area. They discussed the star ratings of various plans and compared their benefits. Mary learned about the top-rated plans and how they cater to specific healthcare needs.

Choosing the Right Plan

With the Suzie’s help, Mary selected a Medicare Advantage plan that was highly rated and included comprehensive benefits suited to her health requirements. Wenatchee Insurance made the process straightforward by providing clear comparisons and expert advice.

Mary was relieved to have found a plan that offered excellent coverage and fit her budget, thanks to the assistance from Wenatchee Insurance.

appointment with Suzie
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Help, my Medicare Advantage Plan is leaving.

Posted on by Matt McColm
original medicare, medicare advantage and part d

Every year, some Medicare Advantage plans may leave the Medicare program by Dec. 31. You should receive a letter from the plan by Oct. 2 explaining your options. It is always a shock.

talk with Suzie

Suzie has been around long enough that she worked with Soundpath Health Medicare Advantage Customers when that Insurance Plan left in 2019. Suzie has worked with various insurance companies from around the state and we built out action plans over the years to make these transitions as easy as possible.

When can I join a new Medicare Advantage plan?

The three most common Medicare Advantage plan enrollment periods are the:

  • Initial Coverage Enrollment Period when you first join Medicare Parts A and B usually around your 65th birthday.
  • The Annual Enrollment Period, Oct. 15 – Dec. 7.
  • Medicare Advantage Open Enrollment Period, Jan. 1 – March 31 each year if you have a Medicare Advantage Plan then you can change to another plan.

In addition to these three enrollment periods, because your plan is leaving Medicare, you also get a Special Enrollment Period in which you have two options:

Join a different Medicare Advantage plan from Dec. 8 to the last day of February.

or

Join a new Medicare Part D stand-alone plan from Dec. 8 to the last day of February (this automatically enrolls you in Original Medicare). This also allows you to enroll in a Medigap (Medicare Supplement) plan within 63 days after your Medicare Advantage plan ends.

The company offering the Medigap plan must take you if you choose a B-N plan and you don’t have to take a health screen.

Note:  If you’re under age 65 on Medicare due to disability, you might not be able to get a Medigap.

Whichever option you choose, your new plan starts the first day of the month after you switch. To avoid a coverage gap you should sign up with a new plan before Dec. 31.

Whenever Suzie sees a large shift Medicare Shift, we recommend setting an appointment as early as possible. We have seen people miss the deadlines and it makes for a tough year. For the appointment, you will need:

  1. Fill out a Scope of Appointment at least 24 hours in advance
  2. Bring your red, white, and blue Medicare Card
  3. Bring any doctor’s names or medications that you would like for us to look up

If you enroll during the Annual Enrollment Period in a Medicare Advantage Plan and discover that it is not a good fit then we change during the Medicare Advantage Open Enrollment which runs January 1st through March 31st.  Yes, you have options prior to the next Annual Enrollment Period

talk with Suzie

Topics: Medicare, Medicare Advantage, Suzie, Wenatchee Insurance, SSDI, ESRD, Hospital Insurance, Prescription Drug Coverage, Part D, Medical Insurance, Disability,

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What Are the Different Parts of Medicare?

Posted on by Matt McColm

Hello again, fabulous followers of Wenatchee Insurance’s Medicare blog! Today, we’re diving into the alphabet soup that is Medicare. Grab your spoons, and let’s ladle out some knowledge on the different parts of Medicare: A, B, C, and D!

chat with Suzie

Part A: The Medicare Foundation

Let’s start with Part A, also known as Hospital Insurance. Picture it as the bedrock of your Medicare coverage. It helps cover:

  • Inpatient hospital stays: If you’re admitted to the hospital, Part A swoops in to help with the costs.
  • Skilled nursing facility care: After a hospital stay, you might need some time in a skilled nursing facility to recover. Part A has your back.
  • Hospice care: For those with terminal illnesses, Part A ensures you receive compassionate end-of-life care.
  • Home health care: If you need health services at home, Part A can help cover those too.

Example Time!

Imagine Grandpa Joe, who had a nasty fall while trying to fix the roof (don’t ask why). He ends up in the hospital for a week and then spends another month in a skilled nursing facility to regain his strength. Part A helps cover these costs, giving Grandpa Joe peace of mind and more time to perfect his roof-fixing skills (hopefully from the ground this time).

Part B: The Everyday Medicare Hero

Next up is Part B, or Medical Insurance. This is your go-to for everyday health care needs. It covers:

  • Doctor visits: Routine check-ups, specialists, and outpatient care.
  • Preventive services: Vaccinations, screenings, and annual wellness visits to keep you in tip-top shape.
  • Durable medical equipment: Things like wheelchairs, walkers, and other equipment you might need.
  • Mental health care: Outpatient mental health services.

Example Time!

Take Aunt Clara. She’s a sprightly 70-year-old who loves gardening. She visits her doctor for regular check-ups and gets her flu shot every year. Part B helps cover these visits, ensuring Aunt Clara stays healthy enough to grow those prize-winning roses.

Part C: The All-In-One Plan

Part C is also known as Medicare Advantage. These plans are offered by private companies and bundle together Part A and Part B, often with additional benefits. Some even include:

  • Prescription drug coverage (Part D)
  • Vision, dental, and hearing services
  • Wellness programs

Example Time!

Consider Cousin Sally, who prefers simplicity. She opts for a Medicare Advantage plan that includes prescription drug coverage and vision care. Now she doesn’t need separate plans for her glasses and medications – it’s all in one neat package.

Part D: The Rx Solution

Finally, we have Part D, the prescription drug coverage. This helps cover the cost of medications, ensuring you don’t break the bank when picking up your prescriptions.

Example Time!

Let’s look at Uncle Bob, who has a daily regimen of medications for his blood pressure and cholesterol. Part D helps cover the cost of these prescriptions, allowing Uncle Bob to focus on his favorite hobby – fishing – without worrying about his medication bills.

Wenatchee Insurance to the Rescue!

At Wenatchee Insurance, Suzie understands that Medicare can feel like a jigsaw puzzle with a few pieces missing. But fear not! We’re here to help you fit all the pieces together seamlessly. Whether it’s explaining the different parts or assisting with enrollment, we’ve got your back.

Remember, understanding Medicare doesn’t have to be a daunting task. With Wenatchee Insurance guiding you, you’ll be navigating the Medicare maze like a pro. Stay tuned for more tips, tricks, and delightful Medicare insights!

chat with Suzie

Topics: Medicare, Medicare Advantage, Suzie, Wenatchee Insurance, SSDI, ESRD, Hospital Insurance, Prescription Drug Coverage, Part D, Medical Insurance,

Managing Medicare Supplement Costs with Suzie and Wenatchee Insurance

Posted on by Matt McColm

Mary, concerned about out-of-pocket costs not covered by Medicare, was exploring Medicare Supplement Insurance (Medigap) plans. She needed help understanding the costs and benefits of these plans. Mary sought advice from Suzie at Wenatchee Insurance.

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The Role of Medigap Plans

Medigap plans help cover costs like copayments, coinsurance, and deductibles that Original Medicare does not cover. Plan G is among the most popular Medigap plans, offering extensive coverage but varying in premium costs by state.

Mary’s Consultation

Mary met with a Suzie at Wenatchee Insurance who explained the different Medigap plans and their costs. They reviewed the benefits of Plan G and other available options, taking into account Mary’s healthcare needs and budget.

Making an Informed Medigap Plan choice

With detailed information from Wenatchee Insurance, Mary chose a Medigap Plan G that provided comprehensive coverage at a reasonable premium. The agent also helped her understand how to manage her monthly premiums effectively.

Mary felt confident in her decision, knowing she had chosen a plan that would protect her from high out-of-pocket expenses, all thanks to the expert guidance from Wenatchee Insurance.

Medicare Supplement plan can be selected year round

When the Medicare Supplement plan increased in cost, Mary was able to talk with Suzie and switch to a lower priced plan. This would reduce inflation for years to come.

Along with the Medigap Plan

Mary selected a Medicare Plan D to cover prescriptions. While she didn’t have many prescriptions now, this prevented a late enrollment penalty and could be changed during the Annual Open Enrollment Period (October 15th through December 7th).

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We love our senior insurance customers
Why be boring, life is short.

Who is eligible for Medicare and what is it?

Posted on by Matt McColm
original medicare, medicare advantage and part d

Hello, wonderful readers of Wenatchee Insurance’s Medicare blog! Today, we’re tackling a question that buzzes around like a rogue mosquito at a cook out: “What is Medicare, and who is eligible?” If Medicare were a party, who’s on the guest list? Let’s get to it!

Medicare: The Party Planner for Your Health

Medicare is a federal health insurance program that throws open its doors primarily to those aged 65 and older. Think of it as an exclusive club for seasoned citizens! But wait, there’s more – younger folks with certain disabilities or those with End-Stage Renal Disease (ESRD) also get a VIP pass.

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How Do I Get on the List?

To be eligible for Medicare, you generally need to be:

65 or older: Congratulations! You’ve reached the golden age and earned your ticket to the Medicare party.

Under 65 with a disability: If you’ve been receiving Social Security Disability Insurance (SSDI) for 24 months, Medicare raises the velvet rope and  says, “Come on in!”

Any age with ESRD: If you’re dealing with permanent kidney failure and need dialysis or a transplant, Medicare rolls out the red carpet.

Example Time!

Imagine dear old Aunt Martha. She’s just turned 65, loves knitting, and dancing at family weddings. She’s eligible for Medicare because of her age. Now, let’s talk about Cousin Bob. He’s only 45 but has been on SSDI for over two years due to a serious accident. Medicare welcomes him with open arms too!

The ABCs and Ds of Medicare

Medicare has two parts, and then some additional toppings:

Original Medicare

Part A (Hospital Insurance): Covers hospital stays, skilled nursing facility care, and some home health care. It’s like the comfy bed you get to rest in.

Part B (Medical Insurance): Covers doctor visits, outpatient care, and preventive services. Think of it as your day-to-day health care needs.

Medicare Toppings

Part C (Medicare Advantage): These are plans offered by private companies that include Part A and B, and often Part D, plus extra benefits. It’s like getting a combo meal with a little extra sauce.

Part D (Prescription Drug Coverage): Helps cover the cost of prescription drugs. Because nobody likes an unexpected bill for their medications!

health or medicare enrollment suzie makes it easier

How Do I Sign Up?

Signing up for original Medicare is as easy as pie, and Wenatchee Insurance is here to guide you every step of the way! You can enroll:

If you have questions and want to look at toppings, then you want to ask Suzie.

Final Thoughts

Whether you’re as spry as Aunt Martha or managing health issues like Cousin Bob, Medicare is designed to help. At Wenatchee Insurance, we’re your trusted advisors, ready to answer all your questions and make the process as smooth as the chicken dance at a wedding. Stay tuned for more Medicare tips and tricks!

Remember, folks, navigating Medicare doesn’t have to be like figuring out Aunt Martha’s Blue Ribbon Cherry Pie recipe. With Wenatchee Insurance by your side, you’ll be saying, “Medicare? Nailed it!” in no time.

talk with Suzie

Topics: Medicare, Medicare Advantage, Suzie, Wenatchee Insurance, SSDI, ESRD, Hospital Insurance, Prescription Drug Coverage, Part D, Medical Insurance,

assistance in understanding and enrolling with Medicare with Suzie

WE return calls & are here for appointments..OR you can start your free online quote now!

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Suzie Health Solutions

Health & Medicare

For nearly a decade we have assisted with Health & Medicare Solutions. We are proud to be selected by the Washington Healthplanfinder to be one of ten Enrollment Centers located in Washington State.

We work with all ages and charge no fees.

Health & Medicare

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