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Category: Medicare

How do I enroll in a Medicare Part D plan in Eastern Washington?

Posted on by Matt McColm
prescriptions cost money a medicare part d can save

Enrolling in Medicare Part D: A Humorous Walkthrough with Wenatchee Insurance

When you enroll in a Medicare Part D plan kind of feels like applying for a secret society membership—complete with cryptic forms, mysterious deadlines, and possibly a funky handshake or two. Don’t worry! Suzie & Wenatchee Insurance is here to make the process as entertaining as a sitcom episode, where even the most tedious tasks can come with laughter. We are going to walk through the Medicare Part D process together, with a dash of humor.

talk with Suzie

Step 1: The Invitation

First, you need to get invited to the party, a.k.a. determine your eligibility. Generally, if you’re eligible for Medicare then you’re eligible for Part D. Think of it as receiving your VIP ticket to a chef’s table in the newest restaurant in town.

Example: “You’ve got your golden ticket, just like Charlie in the chocolate factory, except instead of chocolate, you’re getting life-saving medication. Still, pretty sweet deal, right?”

Step 2: The Grand Entrance – Initial Enrollment Period

The Initial Enrollment Period (IEP) is your first chance to join the party. Starting three months before you turn 65, your birth month and ending three months after, you have your initial enrollment period. Seven months seem like a lot however they can go fast. Miss this, and you’ll have to wait for the next party invite. Yes, sometimes you will have to bring a note to get in!

Sample: “Think of the IEP as the VIP entrance to a concert. You get in early, avoid the rush, and grab the best spot near the stage. Miss it, and you’ll be stuck at the back, straining to hear the music.”

Step 3: The Red Tape – Required Information

Now, let’s tackle the paperwork. You’ll need your Medicare number, date of birth, and other personal info.

Sample: “Filling out your info is like completing a membership form for the ‘Cool Kids Club.’ Just a few details and you’re ready to flash that membership card (your Part D plan) proudly.”

Step 4: The Selection Process – Choosing Your Plan

Here’s where it gets fun: Choosing a Part D plan is like picking your Hogwarts house. Do you go with the bravery of Gryffindor (extensive coverage), the loyalty of Hufflepuff (steady and reliable), or maybe the cunning of Slytherin (low premiums but high deductibles)?”

health or medicare enrollment suzie makes it easier

Step 5: The Initiation – Enrollment

Once you’ve chosen your plan, it’s time to officially enroll. You can do this online, over the phone, or by mail. Enrolling in your Part D plan is like taking the final step in joining a secret society. You recite the oath (or just click ‘submit’), and voila! You’re in. Cue the applause and confetti.”

Step 6: The Welcome Package

After enrolling, you’ll receive your membership card and welcome package. Receiving your Part D welcome package is like getting your secret decoder ring. Suddenly, all the mysterious codes (insurance jargon) make sense, and you’re ready to take on the world—or at least the pharmacy.”

Step 7: The Ongoing Adventure

Now that you’re enrolled, the adventure begins. Keep an eye on your medications, costs, and any plan updates. It’s an ongoing journey, but with Wenatchee Insurance by your side, you’ll navigate it with ease and a smile.

Sample: “Your journey with Medicare Part D is just beginning. It’s like starting a new season of your favorite show—there will be twists, turns, and maybe a few cliffhangers, but Wenatchee Insurance is here to help you through every episode.”

Wenatchee Insurance: Your Trusted Sidekick

Enrolling in a Medicare Part D plan doesn’t have to be a chore. With Suzie & Wenatchee Insurance, it’s a fun and straightforward process, complete with guidance, support, and a few laughs along the way.

So, if you’re ready to join the secret society of Medicare Part D, let Wenatchee Insurance be Robin to your Batman. Together, we’ll make this journey as entertaining as it is rewarding.

talk with Suzie
Home Health Medicare Car Dental Prescription insurance corndog

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

How Do I Make the Most of My Medicare Benefits?

Posted on by Matt McColm
Medicare plan 65 Wenatchee Advantage medicare benifits

Hey Chelan County, It’s Suzie with Wenatchee Insurance. Today, we’re here to help you milk every drop of goodness out of your Medicare benefits – think of it as getting all the toppings on your sundae, without any extra charge!

talk with Suzie

Step 1: Embrace the Freebies (Preventive Services)

Medicare loves giving out freebies. Take advantage of preventive services like:

  • Annual Wellness Visits: Like a yearly tune-up for your car, but a lot less grease.
  • Screenings: For things like diabetes, heart disease, and certain cancers – think of it as an annual “What’s going on in there?” check.
  • Vaccinations: Stay flu-free and fabulous with covered vaccines.

Example Time!

Bob never misses his annual wellness visit. His doctor keeps him in tip-top shape, and Bob feels like he’s just had a makeover on a reality TV show.

Step 2: Manage Your Meds (Pharmacy Hacks)

Your Part D plan is your ticket to affordable meds, but let’s make sure you’re really saving:

  • Check the formulary: It’s like reading the menu before you order – know what’s covered.
  • Use preferred pharmacies: Some pharmacies are like that one pizza place that always has a deal.
  • Go generic: Just as tasty, but a lot cheaper – like getting the store-brand cereal.

Example Time!

Sally May loves a good bargain. By sticking to her plan’s preferred pharmacies and opting for generic meds, she saves enough each month to treat herself to something nice – like a day at the beauty salon.

Step 3: Use Extra Benefits (Hidden Gems)

If you have a Medicare Advantage plan, don’t ignore those extra benefits:

  • Vision, dental, and hearing: Routine exams, glasses, hearing aids – it’s like getting free sprinkles on your sundae.
  • Fitness programs: Many plans include gym memberships.
  • Telehealth services: See your doctor without leaving your couch – perfect for pajama days.
health or medicare enrollment suzie makes it easier for medicare benefits

Example Time!

Steve stays active with her plan’s including gym membership. He’s a regular at the gym, where he’s known as “The Silver Swole.”

Step 4: Know Your Out-of-Pocket Costs (Avoid Surprise Bills)

Keep an eye on your out-of-pocket costs. This includes:

  • Deductibles: The upfront cost before your plan kicks in – like the cover charge at a club.
  • Copayments/Coinsurance: Your share of the cost – think of it as splitting the dinner bill on a night out.
  • Out-of-pocket maximum: The most you’ll pay in a year before your plan picks up everything else–the save your farm number.

Example Time!

Tom keeps track of his medical expenses like a hawk. By understanding his plan’s costs, he avoids those “What the heck?!” moments when the bill arrives.

Wenatchee Insurance: Suzie is your Medicare Wingman

At Wenatchee Insurance, we’re here to help you get the most out of your Medicare benefits. Think of us as your trusty sidekick, always ready with the right advice and a corny joke.

Final Thoughts

Maximizing your Medicare benefits is like finding hidden treasures. By embracing the freebies, managing your meds, using extra benefits, and understanding your costs, you’ll make the most out of your coverage and keep your wallet happy.

Remember, dear readers, getting the most from your Medicare benefits doesn’t have to be a scavenger hunt. With Wenatchee Insurance by your side, you’ll be the Indiana Jones of healthcare savings world. Stay tuned for more insights, tips, and plenty of laughs!

talk with Suzie

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

Health Insurance Medicare Advantage Wenatchee Suzie

How Do Medicare Supplement (Medigap) Plans Work?

Posted on by Matt McColm
Medicare Advantage or Medigap Suzie has you covered

Hey North Central Washington, it’s Suzie with Wenatchee Insurance. Today, we are talkin’ about  Medicare Supplement Insurance, or Medigap. Think of Medigap as the baked potato to your Medicare steak, helping cover the costs that Original Medicare doesn’t.

Suzie Appointment

What is Medigap?

Medigap plans are sold by private insurance companies and are designed to fill the “gaps” in Original Medicare. These gaps include out-of-pocket costs like copayments, coinsurance, and deductibles.

Example!

Meet Barney, who’s enjoying his retirement but worried about potential healthcare costs. He decides to get a Medigap plan to cover expenses that Original Medicare doesn’t. Now, Barney can focus on detailing his Corvette instead of medical bills.

Standardized Medigap Plans: One Size Fits Most

Medigap plans are standardized, meaning each plan offers the same basic benefits regardless of the insurance company. There are ten standardized plans (Plan A, B, C, D, F, G, K, L, M, and N), each offering a different level of coverage.

Standardized plans allow a client to shop based on price in the middle of the year.

Example!

Imagine Joan, who travels frequently. She chooses Medigap Plan G because it covers emergency care when traveling outside the U.S., giving her peace of mind on her adventures.

What’s Covered?

Medigap plans help cover costs like:

  • Part A coinsurance and hospital costs
  • Part B coinsurance or copayments
  • First three pints of blood
  • Part A hospice care coinsurance or copayments
  • Skilled nursing facility care coinsurance
  • Part A and B deductibles (depending on the plan)
  • Foreign travel emergency care

Example Time!

Consider Bob, who needs regular blood transfusions. His Medigap plan covers the cost of the first three pints of blood each year, saving him from unexpected expenses.

How to Enroll?

To enroll in a Medigap plan, you must already have Medicare Part A and Part B. The best time to buy a Medigap policy is during your Medigap Open Enrollment Period, which lasts for six months and starts the month you turn 65 and are enrolled in Part B. During this period, you can buy any Medigap policy sold in your state, regardless of your health status.

Protip: We have a lot of members who review their Medigap plan and switch in early summer to reduce inflation.

Example!

Imagine Sally, who just turned 65 and enrolled in Medicare Part B. She takes advantage of her Medigap Open Enrollment Period to get a policy without worrying about being denied coverage due to her pre-existing conditions. The Guarantee Issue is a game changer for people who have struggled with co-payments for under 65 healthcare.

Suzie @ Wenatchee Insurance

We’re here to help you navigate the world of Medigap with ease. Our knowledgeable agents can explain the different plans, help you compare options, and ensure you choose the coverage that best fits your needs.

Remember, understanding Medigap doesn’t have to be a daunting task. With Suzie helping out, you’ll find the perfect potato for your Medicare steak in no time.

Stay tuned for more tips, tricks, and helpful advice from Suzie!

Suzie appointment

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

Insurance Bundle

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,

Insurance Bundle

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
Insurance Bundle

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
Insurance Bundle

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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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.

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