Preferred Health

10/21/2023

10/04/2023

Happy Animal Day!

08/23/2023

Learning Medicare can feel very complex. Step One if you are either turning 65 or retiring is to contact Social Security to enroll in Part B of Medicare. Go to ssa.gov or call 800-772-1213. You can delay your Part B if you have group health insurance and you or your spouse are still working…and that your employer-sponsored plan has more than 20 members.

07/28/2023

When first starting Medicare, here are the top three reasons to consider enrolling in a Medigap plan:
1. Comprehensive Coverage: Medigap plans, also known as Medicare Supplement plans, can provide additional coverage that fills the gaps in Original Medicare (Part A and Part 😎. These plans help pay for certain out-of-pocket costs such as deductibles, coinsurance, and copayments, giving you more predictable healthcare expenses.
2. Freedom to Choose Healthcare Providers: With a Medigap plan, you have the freedom to visit any healthcare provider that accepts Medicare patients. There are no network restrictions, so you can seek medical care from any doctor or hospital that participates in Medicare, offering you more flexibility and control over your healthcare decisions.
3. Peace of Mind: Medicare can cover a significant portion of your medical expenses, but it still leaves some costs to be paid out of pocket. Enrolling in a Medigap plan provides peace of mind, knowing that you have additional financial protection for unexpected medical needs, which can be especially valuable as you age and healthcare needs may increase.
Keep in mind that the best time to enroll in a Medigap plan is during your Medigap Open Enrollment Period, which starts the month you are both 65 and enrolled in Medicare Part B. During this period, you have guaranteed issue rights, meaning insurance companies cannot deny you coverage or charge you higher premiums based on your health conditions.
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07/28/2023

Medicare Part B and submit your special enrollment period forms to Social Security.

As your group plan ends on July 31, you won't be able to start your Medicare Part B coverage until February. Since you no longer qualify for a special enrollment period, you'll have to wait until the general enrollment period, which is typically from January 1 to March 31, to enroll in Medicare Part B. During this period, late enrollees can sign up for Part B, and their coverage will begin on the first day of the following month, but they may incur a Part B penalty.

Understanding Medicare's enrollment periods can help you plan your healthcare coverage effectively. If you have any further questions or need assistance, feel free to reach out.
📱 Call Us: 855-265-6334

07/28/2023

When first starting Medicare, here are the top three reasons to consider enrolling in a Medigap plan:

1. Comprehensive Coverage: Medigap plans, also known as Medicare Supplement plans, can provide additional coverage that fills the gaps in Original Medicare (Part A and Part 😎. These plans help pay for certain out-of-pocket costs such as deductibles, coinsurance, and copayments, giving you more predictable healthcare expenses.

2. Freedom to Choose Healthcare Providers: With a Medigap plan, you have the freedom to visit any healthcare provider that accepts Medicare patients. There are no network restrictions, so you can seek medical care from any doctor or hospital that participates in Medicare, offering you more flexibility and control over your healthcare decisions.

3. Peace of Mind: Medicare can cover a significant portion of your medical expenses, but it still leaves some costs to be paid out of pocket. Enrolling in a Medigap plan provides peace of mind, knowing that you have additional financial protection for unexpected medical needs, which can be especially valuable as you age and healthcare needs may increase.

Keep in mind that the best time to enroll in a Medigap plan is during your Medigap Open Enrollment Period, which starts the month you are both 65 and enrolled in Medicare Part B. During this period, you have guaranteed issue rights, meaning insurance companies cannot deny you coverage or charge you higher premiums based on your health conditions.

07/28/2023

🔍 Discovering Medicare can be a daunting journey! 🤯

Are you feeling overwhelmed by all the complexities and jargon that come with Medicare? 🤷‍♀️🤷‍♂️ Don't worry; you're not alone! Learning about Medicare can be a challenge for many, but we're here to help you navigate this complex terrain. 🗺️💼

At Preferrred Health, we understand that understanding Medicare can be HARD. But fear not! Our team of experts is dedicated to making this process easier for you. 💪✨

📚 Knowledgeable Guidance: Let our experienced professionals break down the ins and outs of Medicare in simple terms, so you can make informed decisions with confidence.

🤝 Personalized Support: Every individual's healthcare needs are unique. Our team takes the time to understand your requirements and finds the best Medicare options tailored just for you.

🎓 Educational Resources: Access to a wealth of educational materials, webinars, and workshops that empower you with the knowledge you need to master Medicare.

💼 One-Stop Solution: From enrollment assistance to plan comparisons, we've got you covered every step of the way. No more headaches trying to figure it all out alone!

Don't let the complexities of Medicare hold you back from securing the healthcare coverage you deserve. Let us be your Medicare learning partner! 🌟

Reach out to us today for a FREE consultation and take the first step towards understanding Medicare with confidence. 📞📆

07/28/2023

Understanding Medicare Enrollment Periods - A Guide for Retirees

Question: I'm facing challenges with enrolling in Medicare Part B for my wife and me since I retired early in October 2022, and our group benefits will end on July 31. I recently learned that I needed to be an active employee to avoid penalties when enrolling in Medicare Part B. Can you explain the Medicare rule I missed, leading to this situation? Now, we have to pay over $1,500 a month for COBRA. - Robert, Fort Worth

Dear Robert, It seems that you missed the enrollment window for Medicare Part B, which closed in May 31, due to your retirement in October 2022. If you or your spouse were still working, you would have been eligible to delay Part B enrollment without penalties. According to the Medicare and You Handbook, your 8-month Special Enrollment Period for Part B starts when you stop working, even if you opt for COBRA or non-Medicare coverage.

You thought you were protected by your employer group health plan and severance retirement package, but unfortunately, you and your wife missed the eight-month window to apply for Medicare Part B and submit your special enrollment period forms to Social Security.

As your group plan ends on July 31, you won't be able to start your Medicare Part B coverage until February. Since you no longer qualify for a special enrollment period, you'll have to wait until the general enrollment period, which is typically from January 1 to March 31, to enroll in Medicare Part B. During this period, late enrollees can sign up for Part B, and their coverage will begin on the first day of the following month, but they may incur a Part B penalty.

Understanding Medicare's enrollment periods can help you plan your healthcare coverage effectively. If you have any further questions or need assistance, feel free to reach out.
📱 Call Us: 855-265-6334

07/28/2023

🎉🎂 Happy Birthday, Medicare! 🇺🇸🎉

Today, we celebrate 58 years of providing essential healthcare coverage to millions of Americans through the incredible Medicare program. 🎈✨

Since its inception on July 30, 1965, Medicare has been a lifeline for seniors and individuals with disabilities, offering them peace of mind and access to quality healthcare services. 🏥💙

At [Preferred Health], we feel incredibly honored to be part of this journey, guiding and supporting our valued clients in navigating the world of Medicare with confidence and ease. 🚀🤝

🎁 To mark this special occasion, we want to express our heartfelt gratitude to all our wonderful clients and the entire Medicare community. Your trust in us is what drives us to go the extra mile every day! 💖

We take this moment to reaffirm our commitment to providing top-notch services, personalized advice, and a helping hand in finding the perfect Medicare solutions for you and your loved ones. 🌟

Join us in celebrating the legacy of Medicare and the positive impact it has made on countless lives across the nation. 🎊🥳

If you or someone you know is seeking reliable Medicare insurance guidance, we're here to assist! Contact us today to explore your options and let's continue this journey together. 📞🗓️

Once again, Happy Birthday, Medicare! Here's to many more years of health and happiness for everyone! 🎉🍰