Heartland Insurance Group - Medicare Planning

If you are 65+ (or turning 65 soon) and will have both Medicare and Employer Coverage because you are still actively working, you will have a number of things to think through. Contact us for a consultation.

The Medicare Annual Election Period runs from October 15 to December 7 and offers beneficiaries the chance to make changes to their Medicare Advantage or Part D plans.

You can apply for a Medigap plan outside your Medigap Open Enrollment period, but you will likely pass underwriting, depending on your state and situation.

“Never bend your head. Always hold it high. Look the world straight in the eye.”– Helen Keller

Feeling overwhelmed about your Medicare insurance options? We are here to educate you on your options!

Feeling overwhelmed about your Medicare insurance options? We are here to educate you on your options!

Fast Fact: Whether you qualify for Medicaid coverage depends partly on whether your state has expanded its program. Medicaid benefits, and program names, vary somewhat between states.

The deductible is the amount you must pay for health care or prescriptions before Original Medicare, your Medicare Advantage Plan, your Medicare drug plan, or your other insurance begins to pay.

Many seniors will become eligible for Medicare in 2023. Transitioning from employer or private insurance to Medicare can be quite the adjustment. Contact us today for a no cost consultation.

Since ACA plans are not creditable for Medicare, you will want to transition to Medicare at 65. Sign up for Medicare during your 7-month IEP window, and then research which Medigap or Medicare Advantage option best fits your needs.

To prepare for retirement in 2023, learning about Medicare enrollment is a critical step. If you miss your window to apply for Medicare, you could be stuck with a late enrollment penalty.

Medicare 101: On top of knowing when to enroll, you will also want to know the costs you can expect with Medicare and what coverage you will need. Contact us today for a no cost consultation.

Quick Tip: During the AEP, you can switch to Medicare Advantage from Original Medicare. You can also change Medicare Advantage plans if you’re currently enrolled in one.

Is enrolling in Medicare on your horizon? Is your mailbox starting to fill up with confusing information? Let us educate you on your options. Request a no cost consultation today!

What is the Medicare Part B Late Enrollment Penalty? If you failed to sign up for Medicare when you were first eligible, and you didn’t have any creditable coverage, you will be subject to the Medicare Part B late enrollment penalty.

Medicare Quick Tip: Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

Medicare Part C covers all of the same Part A and B services that you get from Medicare. You will have both hospital and outpatient benefits. However, instead of paying deductibles and 20% of your medical services, you will pay the plan’s copays.

If you watch a game, it's fun. If you play it, it's recreation. If you work at it, it's golf. Bob Hope

Vision insurance is a form of insurance that provides coverage for the services rendered by eye care professionals such as ophthalmologists and optometrists.

Getting a lot of mail and phone calls about Medicare? Make sure to contact us for a no cost consultation.