With the help of R&R Insurance Group LLC, you can get high-quality Medicare insurance in and around Quakertown, PA, that makes sense for your needs. Applying for this protection is relatively simple and is something you need to do as you reach retirement age.

Automatic Enrollment 

People who receive Social Security retirement between ages 62 and up to four months before they turn 65 automatically get enrolled in Medicare Part A and Part B when they reach 65. That helps streamline the process and ensure that you get the help that you need to stay healthy. 

However, if you apply for Social Security three months before you turn 65 or later, you don’t automatically get Medicare Part A and Part B. Instead, you need to contact a local insurance agent, find an enrollment paper, and turn it in with your Social Security application. 

Don’t Miss the Enrollment Period 

Note that the Initial Enrollment Period for Medicare starts three months before you turn 65 and lasts until three months after the month you turn 65. So, if you turn 65 on May 4, you can start applying on February 4 and must apply by August 4 to qualify. Otherwise, you have to pay a penalty. 

This penalty isn’t necessarily expensive but is easy to avoid if you apply within this period. You can apply online or in person, depending on your preference. The online application streamlines the process and ensures that you don’t have to do difficult or confusing paperwork. 

Get the Help That You Need

At R&R Insurance Group LLC, our team can help Quakertown, PA, residents get Medicare insurance. We’re here to help you understand your coverage and to provide the unique support that you need. By working with us, you ensure that you get Medicare that makes sense for you.

If you are getting ready to start receiving Medicare or even if you have had Medicare for a while, you may have questions about your coverage and the options available to you. At R&R Insurance Group LLC in Quakertown, PA, we can give you the information you need to make the right decision. 

What is Medicare Supplement insurance? 

A Medicare supplement plan helps to pay the yearly deductible and the copay that comes along with traditional Medicare, which pays only 80% of assigned charges. You have options when it comes to supplemental policies; some pay 100% of the unpaid portion, and others pay only a percentage. These plans are called Medigap. They have a monthly cost in addition to what you pay for your Medicare Part B. 

What is traditional Medicare?

Traditional Medicare is made up of two parts, Part A which is hospitalization, and Part B medical. Part A you get for free, and Part B payment is deducted from your Social Security payment. You must carry a Part D drug plan unless you have another creditable drug plan. 

What to look for in a Medicare Advantage Program?

Medicare Advantage or Part C is an option to traditional Medicare. It is offered by health insurance carriers. Medicare Advantage programs offer a lot of additional services. Begin by looking for a zero-premium plan with no deductible. This is a good place to start. You also want Part D drug coverage included.

Advantage plans offer additional benefits like dental, vision, and hearing. They offer Silver Sneakers or Renew, which provides membership to a health club, YMCA or gym. Another option is a quarterly or yearly allowance for over-the-counter expenses. 

Contact Us Today

At R&R Insurance Group LLC, serving the greater Quakertown, PA community, we can help you to make sure you make the right decision about your Medicare.