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You have a choice!

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Change is GOOD!
Make sure your Medicare plan continues to serve your needs! The good news is you can change your plan depending on your health and financial needs. You are not locked into one plan permanently. You have an opportunity to change plans at least once a year.Changing your plan could benefit you more! Call: 505-358-9746Email: mariahilotin8@gmail.com

Can new Green Cardholders get Medicare?

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Can new green cardholders get free Part A Medicare?
Unfortunately, no. To qualify for Medicare, the US Citizens or permanent residents who are 65 and above must have put in 40 quarters in social security (around 10 years). 
65 and above permanent residents must have at least five years of continuous residence in the US to qualify them to BUY medical coverage from the government.

Permanent residents who are 65 and above (who haven't reached 5 years residency yet) have an option to either apply for health insurance with domestic individual health insurance plans or secure a health plan from their employer.
When they reached 5 years of residency, then they have an option to compare the plans offered by Medicare Part A, B, C, or D to what they currently have and decide on what will help them most in terms of benefits.
Please allow me to be your resource! 
Call: 505-358-9746 Email: mariahilotin8@gmail.com

Making A Switch

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SWITCH: From Original Medicare to Medicare Advantage Plans.
Should you choose to make a switch, here are some things you need to know.
* You must have both Medicare Parts A and B coverage
* You usually have to pay an additional monthly plan premium - where ZERO dollars is an option
* You have an opportunity to have more benefits or purchase optional supplemental benefits, like dental and vision coverage, for an additional premium

Questions To Ask

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Feel free to ask these questions before deciding on your Medicare plan:Is the hospital near me within my network? Will my current doctor accept the coverage? Do I need to change my primary doctor?Will I need referrals to visit specialists?Will I be paying the same for my prescription drug? How much will it cost?Does the plan include the pharmacies I currently use?Can I get my prescriptions through the mail?Are my current drugs on the plan's drugs list?What other benefits does my plan provide?Will my plan cover me if I get sick while traveling in another state? another country?Let's talk!



Is Medicare FREE?

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Medicare pays for your health care needs at age 65 but it is not 100% FREE. Medicare costs include:Premiums - Fixed amount you pay monthly and can change from year to year.  Deductibles  - Out of pocket costs you pay for covered services before your plan begins to pay.
Co-Payments  - Fixed amount you pay at the time of service. 
Co-Insurance  - Payment for the split the cost of a covered service. Ex. you may pay 20% and your plan pays 80%. 
Good news! 
With the right Medicare Plan, you can save on your premiums, co-payments, deductibles, and co-insurance.
Let's talk!


Can I get both Medicare and Medicaid?

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You are "dual eligible"if you qualify for both Medicare and Medicaid. Both programs can work together to cover your health care needs!

 Medicare                                            Medicaid        
Federal health insurance program
governed by the federal government


Joint federal and state program
governed by the state government

Coverage:
Part A - Hospital or skilled nursing facilityPart B - Doctor visits, care and services as an outpatient and some preventive carePart D - prescription drugs

Coverage: 

Varies per state.
Mandatory benefits include:
Hospital and skilled nursing facility care and servicesDoctor, nurse services and more
Cost:

 Cost depends on the coverage you choose.
Costs may include premiums, deductibles, copays and coinsurance.Cost:

Cost depends on your income.  
Costs may include premiums, deductibles, copays and coinsurance.
Eligibility:

Enrollment in Parts A and B is automatic when you turn 65. You may contact the Social Security office if you are eligible. 
Elig…

Need Help in Paying Medicare?

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Need financial assistance? You may qualify for medical costs for the care you receive under Medicare!Here are a few programs we can look into: MedicaidMedicare Saving ProgramPrograms of All-Inclusive Care for the Elderly (PACE)Extra HelpState Pharmaceutical Assistance ProgramOthers Eligibility depends on your income, retirement benefits, or other taxable income and assets. It also varies by state. Let's talk!