Are you new to Medicare?

Congratulations, you are turning 65.  So you are one of the lucky ones. I always say the best thing that can happen to someone age 64 is they turn 65 and go onto Medicare.  For most people paying for their medical insurance there is a significant cost saving accompanied by better benefits. 

Medicare is medical insurance offered thru the Department of Social Security Medicare Division for people age 65+ and certain individuals that receive Social Security Disability for over 2 years.  Medicare (also referred to as Original Medicare) offers this insurance in 2 parts:

Medicare Part A covers Hospitalization

Medicare Part B covers Outpatient Services

For most people there is no cost for Part A, but there is a charge of $121.80 per month for Part B (this assumes income is below $85K individual or $170K couple).  

Most people will automatically be enrolled into Medicare A & B.  You should receive your Medicare ID,  90 days prior to your 65th birthday month.  

If you have not received your Medicare ID card then you should contact Medicare, 1-800-772-1213 or apply online.

Medicare offers pretty good health insurance coverage however it has some glaring deficiencies:

1.  Medicare does not cover prescription drugs.
2.  Medicare has high deductibles.
3.  Medicare does not offer an Out Of Pocket Maximum
4.  Medicare does not provide annual physicals
5.  Medicare does not cover vision or dental.
6.  Medicare does not pay the cost of custodial nursing care.

You are required to enroll into a prescription drug plan.  Failure to enroll into a prescription drug plan will result in penalties if you attempt to enroll into a prescription drug plan in the future.  

Because of this most people add a Supplement, Medigap, or Medicare Advantage Plan.  

This is where I can help. There are Medicare Advantage plans available for as little as $0.  Many of these plans include prescription drug coverage and satisfy the mandate.  

I am a broker and I offer many of these plans and I have 20 years of experience.   Call me at  425-814-6378 or 206-227-6677 or send an email jr@allstarfinancialinsurance.com 

Here is a brief synopsis of some of the plans offered.   I can help you to understand these choices and select the plan that is best for you. 

Would you like to receive a no obligation plan and rate summary?   Click Here   

is a strong provider. They offer 4 plan choices including a $0 premium option.  Premera plans do not have a prescription drug deductible.  Blue Cross is a recognizable and trusted name in health insurance. 

has remained a strong provider of coverage.  They are one of the few companies that offer a  PPO, which means "no referrals".  They also offer a $0 premium plan, and the Humana network of doctors which was already large has grown quite a bit.  Humana also offers an Over the Counter and Transportation benefit, as well as a 4 star rating. 

offers 4 plans choices including a $0 premium option.  They also offer an option with Generic Drug Coverage in the Coverage Gap.  

Offers a $0 premium option, which includes all the extras.  The also offer a plan for people who receive both Medicare and Medicaid. 

Molina is an excellent choice for people who receive both Medicare and Medicaid.  Molina offer additional benefits that make it very attractive. 

offers its Blue Advantage HMO and the Regence Advantage PPO.  Regence offers an inclusive prescription drug formulary, and a large provider network.   

Did you know that Group Health is the only company with a 5 star rating “the highest”? At Group Health they make medical care easy by having everything in one place.   I find them very efficient and effective.   Group Health has also reduced the premium for many of its plans. 
  
For more information or to enroll

Many of these plans include the famous Silver Sneakers program which gives you a health club membership to places like 24 Hour fitness, the YMCA, and many more.  This, and many other benefits are offered at no additional cost.  That’s why they call it Medicare Advantage. 

For those of you that prefer a Medicare Supplement, like the popular Plan F Medicare supplement (you like the idea of paying nothing when you see the doctor) Premera & Regence are excellent choices.

Would you like to receive Medicare Supplement rate quote?   Click Here

Since I am a broker for these plans I can assist you in obtaining the coverage that is best for you. 

Illness and Injury always happen when you least expect it and when they do happen it can be expensive. Hospitals and Doctors are costly, so are lost wages. At ALLSTAR I help businesses and individuals with Medical, Dental, Medicare, Life, Disability and Long Term Care Insurance. I'm a broker so I do the shopping for you to save you time and money and since I've been doing it since 1993 I have the expertise to answer your questions.

ALLSTARFinancialInsurance.com
206-227-6677