Medicare

Health Insurance Plans

The “Annual Open Enrollment” for Medicare runs from October the 15th to December the 7th each year, so do not pass up the opportunity to compare your plans.

Medicare Open Enrollment

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Stone_medicare2 | Stone Insurance Agency

Our mission is to walk you through the senior solution options of different health insurance coverages and Medicare, helping you find what is right for you and your family.
Original Medicare only covers about 80% of health care costs. Understanding your Medicare plan options can often be frustrating and confusing.

Stone Insurance offers face to face consultations with our local clients to educate and provide you with the Medicare health plan solution that best fits your needs. We work with the most trusted health care providers to offer our clients all the Medicare plan options available! Under age 65 Medicare health plans for disabled Medicare recipients are also available.

We’d love to take the stress out of choosing the right Medicare plan option that best fits your needs! When it comes to Medicare planning, you have several different options. We have plans that range from $0 premium, pay as you go advantage plans and supplemental plans that will fill in the gaps that Medicare does not cover along with prescription drug coverage.

Open Enrollment For Medicare

Annual open enrollment is usually the last quarter of the year, and it is very important that you review your options annually as new plans always enter the market.

You may also choose a new Medicare plan if you are:
• Over 65 and moved to a new area
• Turning 65 in the next 6 months
• Losing group coverage
• Disabled

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Frequently Asked Questions

Medicare is complex, and it can often feel overwhelming when you’re learning about Medicare and shopping around for coverage for the first time. Below are some frequently asked questions and answers. If you have further questions, please contact our office, and speak to one of our agents.

Who is eligible for Medicare Part A and Part B?

• U.S. citizens or permanent residents living in the U.S. for at least 5 years.
• Be entitled to Social Security Benefits.
• Age 65 or older.
Those under 65 might be eligible to enroll in Medicare Part A and Part B if they have a qualifying disability.

When can I enroll?

For those who are not automatically enrolled, keep in mind that the Initial Enrollment Period for Medicare Part A and Part B begins 3 months before you turn 65, includes the month you turn 65, and ends 3 months after you turn 65. If you miss the Initial Enrollment Period, you can sign up during the General Enrollment Period, which begins January 1st and ends on March 31st in 2023. You may also be eligible to enroll during the Special Enrollment Period. Special Enrollment begins when you have certain life changes, such as moving or losing coverage.

Will I have Prescription Coverage?

Keep in mind that Medicare Part A and Part B does not provide coverage for prescription drugs (outside of a hospital if you are receiving inpatient services). Paying for prescription drugs without coverage might be expensive, especially for those who regularly need medication. Medicare Part A and Part B also does not cover vision, dental, hearing aids, long term care, and health care when traveling internationally. Some of these benefits may be offered with private insurance.

How can I get additional Medicare Coverage?

You can get additional health coverage, benefits, and limit out-of-pocket costs by enrolling in a Private Medicare plan. MEDICARE ADVANTAGE plans have an out-of-pocket maximum. You can compare your Private Medicare options by calling our office and talking with one of our agents at Stone Insurance Agency (478-757-9225)

How much does Medicare Part A and Part B Cost?

Part A’s premium is free if you or your spouse worked and paid Medicare taxes for at least 10 years. Part B premium is based on household income with a base minimum declared by the Government each calendar year.

What do I do about Medicare if I work past age 65?

If you plan to work past 65, you may be able to delay enrolling in Medicare Part B. It will depend on your employer and if your employer coverage is creditable for drug coverage, etc.

How can I get dental and vision coverage with Medicare?

Original Medicare (Parts A & B) does not cover routine dental or vision care. However, MEDICARE ADVANTAGE (Part C) plans include all the coverage provided by Parts A and B, and often offer additional benefits like dental, vision, hearing, and gym memberships, all in one plan.

Where can I get help paying for Medicare?

Financial assistance programs for people with limited income and assets include Extra Help for prescription drugs, Medicare Savings Programs and Medicaid, to name a few. Qualifications and the level of help offered vary for each program.

I’m Disabled. When can I get Medicare ?

In general, you are eligible for Medicare after receiving Social Security disability benefits for 24 months. There are exceptions for people with certain medical conditions.

What’s the difference between Medicare and Medicaid?

Medicare and Medicaid are both government health care programs, but they are very different. Medicare is generally for people who are 65 or older, or who have a qualified disability. Medicaid is a state-governed program for people with limited income and resources. Some people are eligible for both Medicare and Medicaid. These people are considered “dual eligible” and are often qualified for special Medicare plans.

Who can I contact to assist me with my decisions about Medicare and deciding which plan is best for me and my circumstances?

Contact Stone Insurance Agency. We have over 40 years in the health insurance industry and have several professional agents to assist you with those decisions. Our agents qualify each year with the Medicare Department to make sure you have the best Medicare plan to fit your current needs.

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