We make choosing a Medicare plan easy

Medicare is a federal health insurance program that provides coverage for people that are 65
and over, certain younger people with disabilities and people with End-Stage Renal Disease.
Find out more about Medicare at www.medicare.gov

Part A- Hospitalization Coverage, which covers different hospital related services, emergency
care and skilled nursing facilities.

Part B- Medical Coverage, which covers services like doctors visits, lab work, imaging,
immunizations and certain medications when administered in a hospital setting.

Parts A & B are collectively known as “Original” Medicare.

Part C- Medicare Advantage, which is offered by private insurance companies to replace your
“Original” Medicare. They must at least provide the same coverage as Part A & B of Medicare
and can offer additional coverage like dental, vision and hearing. Most plans also include your
prescription drugs coverage as well. Our licensed agents represent a variety of these plans and
may be able to lower your costs. Call to speak with one of our agents to learn more

Part D- Prescription Drug Plans, these are plans that help pay for the costs of medications and
are only available from private insurance companies. It’s important to note that if you are eligible
for Medicare coverage, you must have creditable drug coverage as well. Call to speak with one
of our agents to find out if they can help you save money on your prescriptions

These are plans from private insurance companies that help cover the expenses of Medicare
that are not covered under “Original” Medicare. They are currently lettered A through N, and
there are differences in coverage between letters and plans vary in price by carrier. Please call
us so we can help explain which of these plans may be a good fit for your situation.

That depends on your personal situation-

Choosing a Medigap plan may be right for you if-

You need flexibility in providers and need to know what your out-of-pocket costs will be in any
given year. Medigap plans are accepted at any doctor or facility that takes “Original” Medicare
and with plans lettered A-N, you can pick your coverage based on your needs and costs. If you
pick a Medigap plan, you are still responsible for obtaining creditable prescription coverage
either through a Part D plan or another source. Please call to speak with one of our agents to
help find a Medigap solution for your needs.

Choosing a Medicare Advantage (Part C) plan may be right for you if-

If you want an all in one solution that gives you as good of coverage as “Original” Medicare, if
not better, and want additional benefits like prescription drug coverage, dental, vision and
hearing coverage, and potentially other benefits as well. Medicare Advantage plans often have
low or $0 monthly premiums, and have co-pays for services as you use them. It is important to
review Medicare Advantage plans every year as benefits do change. Please call to speak with
one of our agents to find out more.

You typically can enroll into Medicare when you turn 65. This is known as your Initial Enrollment
Period (IEP). Coverage for “Original” Medicare always starts on the first of the month following
when you apply for it. Your IEP starts 3 months prior to the month you turn 65 and ends 3
months after you turn 65.

If you are signed up for Social Security Monthly Cash Benefits prior to your 65th birthday, you
will automatically be enrolled into “Original” Medicare. If you are not enrolled into Social Security
Monthly Cash Benefits, please contact one of our agents to help you apply for “Original”
Medicare.

If you did not sign up for Medicare when you turned 65, you may still be eligible to enroll through
the General Enrollment Period or a Special Enrollment Period. For more information on these,
please visit-

https://www.medicare.gov/basics/get-started-with-medicare/sign-up/when-does-medicare-
coverage-start

When you first enroll into “Original” Medicare, you become eligible for the Medicare Advantage
Initial Coverage Election Period (ICEP). This is when you can first enroll into a Medicare
Advantage plan with or without drug coverage. This period coincides with your IEP and is
typically the 3 months before you turn 65 and ends the 3rd month after the month you turn 65.

If you missed this period or are looking to change your plan, you can enroll into a Medicare
Advantage plan every single year during the Annual Enrollment Period (AEP) which lasts from
October 15th to December 7th.

You may also qualify for a Special Election Period (SEP), that will allow you to enroll or change
your plan at other points in time.

Please call to speak with one of our agents for help navigating these enrollment periods

The best time to buy a Medigap plan is during the 6-month Medigap Open Enrollment Period.
During this time, you can buy any Medigap policy sold in your state. The period automatically
starts the first month you have Medicare Part B and you are 65 or older. After this period, you
may not be able to buy a Medigap policy due to health conditions and if you do, it may cost
more due to these conditions.

You may also qualify for Guaranteed Issue Rights for Medigap plans outside of your Open
Enrollment Period. If you do, the insurance carriers must offer you certain Medigap policies
without charging you more and must cover your pre-existing conditions.

You can enroll in a Prescription Drug Plan (Part D) during the same enrollment periods as
Medicare Advantage. If you enroll into a Medigap policy, please make sure you enroll in a
Prescription Drug Plan or confirm that you have creditable coverage through another source to
avoid paying penalties later on.

Please call to speak with one of our agents to discuss Medigap and Prescription Plan
Enrollments in more detail.

Medilink Insurance gets paid directly by the insurance companies for enrollments into plans.
MediLink Insurance is considered a full services brokerage, which means we offer coverage
from a variety of insurance companies and are not partial to any one. This means that we are
able to recommend coverage that is best suited for you.