Office Hours: Mon – Fri 9 AM – 5 PM
Walking you through Medicare
Gail Yoss, Personal Medicare Consultant
Authorized Independent Broker & Agent since 2010
I am here to help my fellow seniors make informed decisions about medicare and supplemental health insurance. I provide free, in-person consultations and assisted online enrollment. Offering Medicare Advantage, Supplement ( Medigap) and Part D Prescriptions Drug Plans from these top rated insurance carriers:
Understanding Your Medicare Plans & Options
Medicare Advantage – Supplements ( Medigap) – Prescriptions Drug
Your choices – Choose only One Plan
A Medicare Advantage plan includes your Part A -hospital, Part B- medical and sometimes a Part D prescription drug plan. This plan has it all. A cost sharing plan for you.
– OR –
A supplement plan includes Medicare’s Part A & B but no Part D. Must purchase a drug plan separately.
You must have your Medicare card with both Parts A & B effective dates to be eligible to enroll into any plan
Initial Enrollment Period – Apply for Parts A & B
Sign up early to avoid a delay in coverage. To get Part A and/or Part B the month you turn 65, you must sign up during the first 3 months before the month you turn 65.
If you wait until the last 4 months of your Initial Enrollment Period to sign up for Part A and/or Part B, your coverage will be delayed. Sign up early to avoid a delay in coverage. To get Part A and / or Part B the month you turn 65, you must sign up during the first 3 months before you turn 65.
Offering Medicare Advantage, Supplement (Medigap), and Part D Prescription Drug Plans from top rated insurance carriers:
The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan. Limitations, co-payments, and restrictions may apply. Benefits, formulary, pharmacy network, provider network premium and/or co-payments/co-insurance – may change January 1 of each year.
Apply 3 months prior to your 65th birthday month.
No, only if your group requires you to get Medicare.
For 2019, the amount is $135.50.
If you will be receiving SS (Social Security) benefits then the monthly premium will be deducted and automatically sent to Medicare. If you are not then Medicare will invoice you until you begin to receive SS benefits. Yes, this premium will be increased by Medicare each year.