Your Expert Medicare Insurance Agent

Medicare is the United States national health insurance program that was started by the Social Security Administration. It’s primarily for those 65 and older. However, it can also be available to younger individuals with disabilities and terminal diseases. When you need help figuring out your plan, be sure to contact a Medicare Agent in Bradenton, FL here at A+ Benefits Group. In addition to helping the residents of Florida with their Medicare Insurance needs, we also can assist with finding the best plan for you in many other states as well.

There are many different Parts to Medicare, providing different types of coverage. Please feel free to explore our website for more information or contact us with any questions. We take great pride in educating our clients, so they can make the most informed decisions. A+ Benefits Group never charges a fee for our services and support.   

As an independent Medicare Agent in Sarasota, FL and nearby areas, our job is to provide you with an unbiased opinion on the various plan options available in your area. Since we are appointed with many different carriers, we are able to show you all of your options and do so without favoritism. We work for you and your needs, not the insurance companies. A+ Benefits Group strives to find you the plan that best fits your coverage needs, within your ideal budget. Rest assured we have your best interest in mind!  

When you need a reliable Medicare Agent in Lakewood Ranch, FL and nearby areas, call our family-owned business today for a no-obligation insurance review with our Bradenton, FL Medicare Brokers.

You might be asking “How do I enroll in Medicare?” Or, “What are the Medicare enrollment periods”?

There are a few different ways you can apply for Medicare:

• You can go online to www.ssa.gov
• You can call Social Security at 800-772-1213
• You also can visit your local Social Security office

Your application will be for enrollment into Part A and/or Part B of Original Medicare. You typically only need to sign up for Medicare once. However, you are able to review your coverage's and make plan changes each year. A+ Benefits Group makes things easy for you to compare current coverage's with other available Medicare plans. We are available year-round by phone, virtual meetings, and in-person appointments.

Your first eligibility for Medicare is when you are turning 65 and this is referred to as your Initial Enrollment Period. Your Initial Enrollment Period consists of the 3 months before your birth month, your birth month, and the 3 months after your birth month. Your Medicare coverage would begin on the 1st day of your birth month. There is an exception to this, in which you would have a slightly different time frame. If your birthday falls on the 1st day of the month, your enrollment time frame would move up by one month. Ex. Your birthday falls on July 1st, your enrollment period would start on May 1st and your Medicare coverage would start on June 1st. During your initial enrollment period, you can enroll in Original Medicare (Parts A and/or B), Medicare Part D or Medicare Part C (Medicare Advantage). 

To avoid a gap in health insurance coverage, you should enroll in Medicare prior to the month you turn 65. In addition, if you wait to enroll, you may have to pay late enrollment penalties. These penalties can extend to your Part B, Part D and possibly Part A coverage. Each penalty can be added to your monthly premium and will last as long as you have coverage.

Many people work beyond 65 and would like to continue coverage with their employer or their spouse’s employer plan. You would want to check to make sure the employer plan coverage is deemed “Creditable Coverage” and you could be able to delay your Medicare enrollment. When you or your spouse retires and/or the employer coverage is ending, you will want to make sure you don’t delay signing up for Medicare. You will qualify for a Special Enrollment Period and can avoid the late enrollment penalties by signing up for Medicare within certain time frames.  

If you move outside of the service area of your current Medicare Advantage or Part D plan, you also can qualify for a Special Enrollment Period. This would provide you a 2 month enrollment time frame to switch to a new Part D or Part C (Medicare Advantage) plan. You could also return to Original Medicare and sometime enroll in a Medigap plan.

Many unique situations can occur in which a Special Enrollment Period could be available. For more information or any questions, please reach out to one of our licensed agents at A+ Benefits Group.