Turning 65 Medicare Guidance Program

MyGeorgiaMedicare.com- Georgia Medicare Information Education

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Learn About the ABC&D's of Medicare

  • What Medicare Covers and Does Not Cover
  • When and How to Enroll in Medicare
  • Expert Tips to Compare Coverage Options
  • Easy Slideshow and Q&A After
  • No Sales! Education Only!
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Seniors Benefit Reviews

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What Our Clients Say

We receive so many five star reviews for one main reason! We put you first, not the insurance companies. If you are turning 65 the last thing you need is someone else trying to sell you something. We are changing the Medicare insurance business and approaching Medicare insurance in a new way. It is our job to educate you so that you can make an informed decision that is best for you.

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Turning 65 Made Easy

  • Learn about the ABC&D's from a Local Agent
  • Certified Education Agents Trained and Ethical
  • Experts in Medicare Insurance

We receive so many five star reviews for one main reason! We put you first, not the insurance companies. If you are turning 65 the last thing you need is someone else trying to sell you something. We are changing the Medicare insurance business and approaching Medicare insurance in a new way. It is our job to educate you so that you can make an informed decision that is best for you.

Library Medicare Seminars

Medicare Education Seminars offer a great way to learn about Medicare in a non-threatening, no pressure environment. Learn about Medicare options and ask the questions you need to make the est decision based on your needs.

Road Map to Medicare Information
  • Learn about the ABC&D's of Medicare
  • What Medicare covers and does not cover
  • When to enroll in Medicare
  • Expert tips to compare coverage options. NO SELLING!
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Part A & B of Original Medicare

Original Medicare Part A and B
Part A
Part B

Original Medicare, Part A and Part B, are administered by the federal government and overseen by CMS (Centers of medicare and Medicaid Services). Medicare A and B are known as "original" Medicare. Part A is your hospital insurance. Most people will qualify for a zero premium Part A. Part B is known as medical insurance. Most people will pay a premium for Part B. The Part B premium is deducted out of Social Security if you are currently drawing social security. If not, you will be billed for Part B unless you qualify for certain income requirements. Part A will start automatically when you turn 65. Part B will only start automatically if you are currently drawing social security benefits and reach the age of 65. To make sure you incur no penalties and/or miss an important enrollment date, please give us a call 888-760-1590 and talk to a licensed agent.

Medicare Supplements

Medicare Supplements Chart
Medicare Supplements List
Medicare Supplements List 2
Medicare Supplements List 3

Medicare Supplement insurance policies are sold by private insurance companies and are identified by Plan letters A through N and standardized by the government to make it easier for cost comparison. With a Medicare Supplement insurance policy, you can go to any doctor or hospital that accepts Medicare without prior authorization or approval. During Open Enrollment (when turning 65 or signing up for Part B for the first time) you can choose any Medicare Supplement you wish without answering health questions. With a Medicare Supplement, Medicare will pay first and the Supplement will pay second, often leaving you with one affordable deductible.

Part D Medicare Drug Plan

Part D Coverage 1
Part D Coverage 2
Part D Coverage 3
Overview of Medicare Plans

Medicare Part D Prescription Drug Plans (Part D) are offered by private companies contracted with Medicare to provide this service. Insurance companies contract with Medicare one year at a time to provide this service; therefore, it is important to compare your plan each and every year on Medicare.gov to make sure you are in a plan that meets your needs for the coming year. Part D drug plans can be very confusing with deductibles, co-payments, tiers, quantity limits, and prior authorizations just to name a few. Allow us to help walk you through the process of using the Medicare.gov look-up tool.

Part C Medicare Advantage

Part C 1
Part C 2
Part C 3
Advantage

Medicare Advantage plans, or Medicare Part C, provide your Part A and Part B benefits through private Medicare-approved insurance companies. Many Medicare Advantage plans include prescription drug coverage; these plans are called Medicare Advantage Prescription Drug plans, giving you all your Medicare coverage in a single policy. Some plans offer additional benefits, like routine dental services, that Original Medicare doesn't cover. There are many types of Medicare Advantage plans, but no matter which one you choose, you still need to continue paying your Medicare Part B premium.

How to Get Medicare in Georgia

In Georgia, as in all states, you're first eligible for Medicare when you turn 65 years old or when you've collected disability benefits for 24 consecutive months. To qualify for Medicare, you must be either a United States citizen or a legal permanent resident of at least five continuous years. You may not have to do anything to enroll in Original Medicare if you're receiving Social Security or Railroad Retirement Board benefits, or if you have Lou Gehrig's disease (amyotrophic lateral sclerosis, or ALS).

If you're automatically enrolled you'll get a "Welcome to Medicare" packet in the mail about three months before you turn 65 (or become eligible for Medicare due to disability).

If you do need to apply for medicare, you may do so via the Social Security Administration (SSA), either online, in person, or over the phone.

  • Visit the Social Security Website.
  • Call Social Security at 1-800-772-1213 (TTY users should call 1-800-325-0778), Monday through Friday, 7AM to 7PM.
  • Apply in person at a Scial Security office near you.
  • If you worked for a railroad, call the Railroad Retirement Board at 1-877-772-5772 (TTY users call 312-751-4701), Monday through Friday, 9AM to 3:30PM.

As you can see, there may be several different Medicare coverage choices for you in Georgia. Give us a call! We can help 888-760-1590

Summary

Georgia Medicare beneficiaries have many choices when it comes to Medicare coverage. You can narrow it down to two main choices: Medicare Supplements and Medicare Advantage plans. With a Medicare Supplement, you can use any doctor and any hospital that accepts Medicare anywhere in the United States without prior approval or authorization.

Medicare Supplements are also standardized allowing you to compare prices on a variety of companies with the same core benefit structure. Use our medicare quote engine to compare all of the Medicare Supplement prices in your area. Medicare Advantage plans may require the use of certain doctors, hospitals, and require prior authorization, thus limiting your possible provider options.

It is important to understand all of your options when making your Medicare insurance decisions. Original Medicare, Part A and Part B, are administered by the federal government and overseen by CMS (Centers of Medicare and Medicaid Services). Medicare A and B are known as "original" Medicare. Part A is your hospital insurance. Most people will qualify for a zero premium Part A. Part B is known as medical insurance. Most people will pay a premium for Part B which is deducted out of Social Security if you are currently drawing social security. If not, you will be billed for Part B unless you qualify for certain income requirements.

Part A will start automatically when you turn 65. Part B will only start automatically if you are currently drawing social security benefits and reach the age of 65. To make sure you incur no penalties and/or miss an important enrollment date, please give us a call and talk to a licensed agent.