Who We Serve
Dual Special Needs Plans
Have Medicare and Medicaid? You may qualify for a dual special needs Medicare Advantage plan that may offer a robust suite of benefits designed for those that require extra care.
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Turning 65 & New to Medicare
Seeking help to understand your options and make a well-informed choice will help make sure your coverage not only meets your health needs but supports your quality of life.
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Veterans Medicare Benefits
The U.S. Department of Veterans Affairs recommends enrolling in Medicare at 65 to qualify for additional coverage options when seeking care outside of VA facilities, especially as it relates to specialized care, or a health condition not connected to your military service.
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Lawfully Present Medicare Coverage
If you are over 65 and have lived in the U.S. for five consecutive years, you have access to many options for health coverage and benefits through Medicare. Depending on your monthly income, you might even qualify for Medicare coverage at no cost to you.
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Employer Loss Coverage
Losing employer coverage when you turn 65 can be stressful and confusing. But what to do? You have already taken an important step by visiting Advocate Health Advisors. So, let’s move forward and give you some peace of mind!
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Moving & Medicare
If you’re moving, you may need to switch Medicare plans. Knowing your options before you make the move is vitally important, as it may mean big changes to your coverage.
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Chronic Condition Special Needs Plan (CCSNP)
According to Centers for Medicare & Medicaid Services, nearly two-thirds of Medicare enrollees have a chronic condition. These specialized Medicare Advantage plans help provide coverage that caters to the physical and mental care needs of these Americans.
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Five-Star Medicare Advantage (Part C) Plans
Is your Medicare Advantage plan a five-star plan? If not, you may qualify to change your coverage to ensure you’re on the best plan available for your specific situation.
read moreLocal licensed agents can help you match a Medicare plan with your individual needs because they know your neighborhood. Medicare plans are not one size fits all.
Darwin Hale
CEO & Founder, COL (RET), USAR & Author
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Advocate for Clients
Medicare is the federal health insurance program that provides individuals who are 65 and older, or those with disabilities, with healthcare coverage. Those about to turn 65 will become eligible to enroll in Medicare three months before turning 65. This marks the beginning of the Initial Enrollment Period, which will then end three months after you have turned 65. This gives you a seven-month period to enroll in Medicare.
There are multiple parts of Medicare that every new Medicare beneficiary should be aware of to better understand which part would work best for their particular situation.
Medicare - An Explanation
Original Medicare
Original Medicare combines coverage from Part A and Part B. Medicare Part A serves as hospital insurance and provides coverage for inpatient hospital care, skilled nursing facility care, home health care, and hospice care.
Medicare Part B serves as medical insurance and provides coverage for provider services, ambulance services, home health services, preventive services, durable medical equipment, x-rays and lab tests, and some outpatient prescriptions.
Read MoreMedicare Supplements
Medicare Supplements are also known as Medigap and are designed to protect Medicare beneficiaries against the out-of-pocket costs that Original Medicare does not cover, such as deductibles, copayments, and coinsurance. There are several choices for Medigap plans, which include Plans A, B, C, D, F, G, K, L, M, and N. Each plan provides specific coverage, so choosing a plan that fits your coverage needs is crucial in receiving the coverage you need.
Read MoreMedicare Advantage
Medicare Part C, or Medicare Advantage, includes all the benefits and services a member would receive under Original Medicare Parts A and B. Usually, the plan includes Medicare Prescription Drug Coverage (Part D). Some plans may even include additional coverage for services like dental, vision, hearing, and more.
To enroll in a Medicare Advantage plan, you must be enrolled in Original Medicare. If you were to ever drop your Part B coverage, you would lose your Medicare Advantage plan
Read MoreMedicare Part D
Medicare Part D, which is Medicare’s prescription drug coverage plan, can be purchased as a standalone plan or in conjunction with a Medicare Advantage plan (known as MAPD). Prescription drug plans can help keep out-of-pocket costs lower. These plans also consist of a formulary, which is a list of prescriptions that the plan covers. Typically, these prescriptions are listed into tiers, with the drugs in the lower tier costing much less than those listed in a higher tier.
Medicare requires Part D plans to cover at least two drugs from each class. However, they must cover all drugs that fall into these specific classes:
- HIV/AIDS drugs
- Anticancer
- Anticonvulsants
- Antipsychotics
- Antidepressants
- Immunosuppressants
- Common vaccines
Need to Enroll in Medicare? We’ve Got You Covered.
At Advocate Health Advisors, we understand how Medicare works and know how challenging it can be for new enrollees to understand all the bits and pieces. That’s why we’re here to help. Based in Englewood, FL, we can assist you through the Medicare enrollment process and help you determine the type of coverage you need.
