Adler Insurance suggests adding Medicare to your to do list when moving to Prescott

Did you recently move to Prescott from another state? Even though you have to do lists a mile long, make sure that Medicare is on that list. Adler Insurance has put together this article to help you navigate through the Medicare requirements when moving to Prescott.

What type of coverage do you have?

The first thing to address is figuring out what type of Medicare coverage you have. If you reside in the United States or its territories, you can keep your original Medicare coverage (Part A and B). It is important to notify your new local health care provider about the move and they/we can help you with that transferring of records.

Do you Qualify for SEP?

If you have the Medicare supplement policy and/or Part D Prescription Drug Plan, you will want to keep a lookout for a Special Election Period, also known at SEP. Moving to another state will qualify you for the SEP. You need to notify the plan prior to moving and your SEP is four months long. If you wait until after moving to notify the plan, you have two months plus the month you notified. Just know, if you do not enroll in a new Medicare Prescription Drug Plan during your SEP, you may find yourself without drug coverage.

There are other parts of Medicare that need to be addressed, as well. Medicare Advantage plan, stand alone Medicare Part D, Medigap and even Social Security are all subject to change when you move. Just know that each and every part needs to be examined to make sure that you transfer and/or enroll properly in Arizona, so not to lose coverage or pay unnecessary penalties.

Let Adler Insurance help you with sorting out Medicare when, and even before moving to Prescott. We will make sure that you are ready for SEP, if needed, and properly enrolled with all other pieces of Medicare. The main thing is to be prepared and educated. If you need more information on making a move to Prescott with your Medicare plan, call Adler Insurance at 928-710-1455 and discover more at http://www.adlerlifehealth.com.

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Medicare Agent in Prescott
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Helpful Articles about Medicare

Adler Insurance answers whether Medicare will pay for long-term care in Prescott

Adler Insurance is a resource to help you understand Medicare and we are here to answer the question, “Will Medicare pay for long-term care in Prescott?” This is a complicated question, and it pays for you to understand prior to being faced with having to make these decisions. The biggest mistake people make is to assume Medicare will take over the financial burden of long-term care in full. While Medicare’s role is limited and sometimes confusing, you can start by understanding some concepts of long-term care.

What is long-term care?

There are two types of long-term care: custodial care and skilled care. Custodial care can be simply defined as care given to people who need help with basic, everyday living, such as getting dressed, cooking meals, bathing, and other basic day-to-day tasks. Skilled care requires medical training and licenses. When it comes to Medicare’s financial involvement, the main question is whether medical/skilled care is required. Medicare does not cover custodial care, but they will help with skilled care.

Over time, long-term care will become more complicated as the need of care changes. The main thing to remember is that Medicare will take part of the financial burden only if the care is prescribed by a doctor and is considered medical care. When a patient requires a nursing home or skilled nursing facility, a general rule of thumb is that Medicare will help for a limited time if 1) the care is recovery and 2) after a hospital stay for at least three days. Medicare will pay anywhere from 80-100% over the course of 100 days. After that, there are supplemental insurance solutions to be considered.

Medicare is certainly limited when it comes to long-term care, but there are other options to be aware of. The main thing is to be prepared and educated prior to the need. The key is to know what parts of long-term care in Prescott that Medicare will pay for, and Adler Insurance can help you navigate these questions. If you and your family are facing these questions now or in the near future, call Adler Insurance at 928-710-1455 and discover more at http://www.adlerlifehealth.com.

ADDITIONAL INFORMATION
Medicare Solutions in Prescott
Prescott Medicare Insurance
Helpful Articles about Medicare