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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Are you soon turning 65? Adler Insurance in Prescott discusses how he can assist you.

Turning 65 typically means you’re eligible for Medicare.  This includes both Part A & B. This federal program provides hospital insurance and some medical insurance to older Americans.  Adler Insurance explains some of your additional options in Prescott:

• Medicare Part C, also called Medicare Advantage. These plans are available from private insurance companies and must offer the same benefits as Part A & B, but may add more coverage like vision, dental, or prescription drug benefits. It is imperative that you know which private insurance companies are being used in your local area.  You don’t want to sign up for a plan only to find out there aren’t any doctors in town accepting that insurance coverage. 
• Stand-alone Medicare Part D prescription drug plan.  You can add this to your original Medicare to receive prescription medication coverage.
• Medicare Supplement insurance (known as Medigap) is also available to add to your Medicare coverage and help cover the “gaps” in original Medicare.

First-time Medicare beneficiaries have what is called an Initial Enrollment Period. This period starts three months before your 65th birthday and extends three months afterwards. It’s important to enroll during this time. If you do not enroll during the Initial Enrollment Period, you may incur late fees or have to wait until the General Enrollment Period which is between January 1st to March 31st of the following year.  Your coverage would then begin in July of that year.

If you or your spouse are still working when you turn 65 and you have health insurance through this employer, you might consider delaying enrollment in Part B. You may not wish to pay the Part B premium if you don’t need the coverage. Contact your current employer’s benefits department to see if your employers’ health coverage is sufficient and find out how it might work with Medicare Part B before making a decision.  Call us if you need some help with your decision.

When your employer coverage ends, you will be provided with a Special Enrollment Period that lasts eight months to sign up for Medicare Part B without incurring a penalty.

We encourage you to call us and talk further about your individual Medicare needs in Prescott.  Jessie and Dina Adler at Adler Insurance would love to assist you in making good Medicare decisions.  Please don’t hesitate to call 928-710-1455 or visit our website at http://www.AdlerLifeHealth.com today!

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Adler Insurance discusses Medicare enrollment in Prescott

The Medicare Part D prescription drug plan can be very confusing. Adler Insurance can help you with your Medicare enrollment in Prescott and explain what you should consider when choosing a Medicare Part D plan.

If you are a recipient of Medicare coverage, you are eligible to receive Medicare Part D. This helps with the following: Cover the cost of prescription medications, can be offed as a stand alone plan or complement a Medicare Supplement Plan, and can be a complement to Part C.

All Part D plans have been approved by Medicare in Prescott. Each plan is different as well as the cost. This mean you must take into consideration the pros and cons of each plan.

Questions you should ask yourself:
How often do you take prescription drugs?
What are the types of drugs do you take?
Do you take brand name or generic drugs?
Would you prefer a yearly deductible or a cheaper monthly premium?

Not all Medicare Part D plans are the same. The costs of Medicare Prescription Drug Plans vary and come with a different lists of drugs (formularies) that are covered under the plan. Most Plans divide the drugs up into at least four categories, with a different price for each category.

There are specific times when you can sign up for these plans, or make changes to coverage you already have. You don’t need to sign up for Medicare each year. However, each year you’ll have a chance to review your coverage and change plans.

Adler Insurance in Prescott, AZ is more then happy to answer any questions you may have on Medicare Part D. We're experts when it comes to evaluating your insurance needs, and are here to help you. Contact us at 928-710-1455. Visit our website at: http://www.adlerlifehealth.com.

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