When you turn 65, you will gain access to Medicare benefits that can help you get excellent healthcare at affordable rates. However, with three different plans within Medicare and other options that can lower your spending even further, the process of aging into Medicare can be very confusing. Pablo Beach Insurance works with adults turning 65 to get the benefits they are entitled to through exclusive products that give you coverage now, instead of when Open Enrollment starts. What do you need to know?
What Is Medicare?
Medicare is a federal health insurance program designed to provide healthcare benefits to disabled people, people who are 65 or older, and those with end-stage renal disease. The three parts of Medicare are designed to cover different aspects of your care, and they include:
- Part A: Inpatient hospital care, hospice care, care in a skilled nursing facility, in-home care
- Part B: Outpatient care, medical supplies, certain doctor services, preventative care
- Part D: Prescription drugs, including vaccines and shots
On top of those three plans, you can also elect to add a Medicare Advantage plan, also known as Part C, that increases your coverage.
Can You Plan for Medicare Before You’re 65?
Yes, it’s a great idea to get started experiencing the benefits of Medicare and learning more about what the program includes before you turn 65. Companies like Pablo Beach Insurance can provide you with preferred products that give you access to Medicare benefits before the Open Enrollment period rolls around.
The first enrollment window that you can take advantage of will last for seven months, and it starts three months before you turn 65 and ends three months after you turn 65. You will have the opportunity to enroll in Medicare Part A, Part B, and Part D. You can also take advantage of Medicare Supplemental plans that help bridge the gap between what Medicare will cover and the health coverage you need.
What Doesn’t Medicare Cover?
One of the reasons why it’s best to work with professionals like the team at Pablo Beach Insurance is to find a Part C plan that can help offset the expenses that you will have after Part A and Part B are taken off the top. Some of the biggest things that Medicare Parts A and B will not cover include:
- Eye exams and eyeglasses or contacts
- Dental exams, dentures, and most dental care
- Hearing exams and hearing aids
- Custodial care, including dressing, bathing, and doing things around the house
- Long-term care
- Cosmetic surgery
- Fitness programs
- Acupuncture and alternative medical treatments, including some chiropractic care
- Podiatry care
- Anything that Medicare deems not medically necessary
We can assess your needs and help guide you through the process of choosing additional Medicare Advantage plans through Florida Blue. It’s important to plan for the future, as the cost of not having coverage can be incredibly steep when you factor in things like eyeglasses, hearing aids, and dental care. You deserve to age comfortably and gracefully, and we are here to support you through every stage of the aging process as you reach Medicare eligibility.
How Can Pablo Beach Insurance Help Meet Your Medicare Needs?
We work with adults just like you who are preparing to age into the Medicare program. We are a partner of Florida Blue, which is a PPO, RPPO, and Rx Plan with a Medicare contract, which allows you to get access to great care. If you are ready to learn more about our offerings, you can call us at 904-224-7000 or click here to contact us. We look forward to helping connect you to the quality care you deserve.