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Wisconsin Medicare

Ten Things To Know

1. There are two ways to get Medicare.
You can choose Original Medicare (Part A and Part B) or a Medicare Advantage plan (Part C). Once you’ve made that decision, there are other things to consider. You not only have your choice of plans but also of private insurance companies that offer them.

2. There is drug coverage available.
Wisconsin Medicare Part D now includes prescription drug coverage (Part D). This coverage is optional. You can get prescription drug coverage through a Medicare Advantage plan. Some of them include drug coverage. Or you can enroll in a standalone Part D prescription drug plan to go with your Original Medicare coverage.

This is important to know: If you don’t sign up for Part D prescription drug coverage as soon as you become eligible for Medicare, you may pay a penalty on your premium unless you qualify for an exception.

3. You’ll pay a share of the cost.
Medicare helps you get the health care you need when you’re sick, but you’ll still be expected to pay a share of the cost. You’ve already contributed to Medicare by paying taxes while you worked. Now that you’re starting to use your Medicare benefits, you’ll pay a share of the costs of the care you receive.

4. Your share may be larger than you expect.
If you choose Medicare Part A or Medicare Part B, you’ll find that there are some expenses Medicare doesn’t cover. If you are seriously ill, these gaps create big bills. That’s why many people who choose Medicare Parts A and B also buy a Medicare supplement insurance policy. Another alternative is to choose a Medicare Advantage plan that can also help you avoid these gaps.

5. Where you live makes a difference.
Medicare Parts A and B are the same across the United States. But other parts of Medicare (Parts C and D) are offered by private companies and may be available in specific counties, states, or regions, and not in others. There are Part C or Part D plans that offer nationwide coverage. Medicare supplement policies are offered by private companies, offer nationwide coverage, and are available by state.

6. Medicare doesn’t cover all your expenses.
You’ll find that each part of Medicare has things it doesn’t cover.

7. Start by looking at what you have now.
Look at your current health coverage. For example, if you have group coverage from your job, or retiree insurance from a former employer, you’ll want to see how this coverage fits with Medicare.

8. You won’t want to put this off.
Timing matters when you’re choosing Wisconsin Medicare coverage. Your enrollment window begins just before you turn 65 or when you become eligible for Medicare due to disability. If you wait to join, you may find you’ll pay more and have fewer choices.

9. It’s smart to review your choices once a year.
Once you choose your Medicare coverage, you’re not locked into that choice. You’ll have the chance to change your choices at least once a year. That’s why it makes sense to check your coverage every year to make sure it still fits your health needs.

10. Don’t be afraid to ask for help.
There’s help available for everyone making Medicare choices. And there’s extra help with the cost of Medicare for people with little income and few assets. Call us today locally at 262.299.4904 or toll free at 866.575.3313, we are happy to assist you.

Wisconsin Medicare:
Learn More About Your Options

Medicare Eligibility Requirements

Who is Eligible for Medicare?

The US Government has established Medicare, a health insurance system to aid US citizens in meeting the costs of their healthcare. Generally, you are eligible for Medicare if you or your spouse worked for at least 10 years in Medicare-covered employment and you are 65 years or older and a citizen or permanent resident of the United States. If you aren’t yet 65, you might also qualify for coverage if you have a disability or if you are diagnosed with End-Stage Renal disease (permanent kidney failure requiring dialysis or transplant).

Here are some simple guidelines. You can get Part A at age 65 without having to pay premiums if:

  • You already get retirement benefits from Social Security or the Railroad Retirement Board.
  • You are eligible to get Social Security or Railroad benefits but haven’t yet filed for them.
  • You or your spouse had Medicare-covered government employment.

If you are under 65, you can get Part A without having to pay premiums if you have:

  • Received Social Security or Railroad Retirement Board disability benefits for 24 months.
  • End-Stage Renal Disease and meet certain requirements.
While you don’t have to pay a premium for Part A if you meet one of those conditions, you must pay for Part B if you want it. The Part B monthly premium in 2021 is $148.50. (Note: Most beneficiaries will continue to pay the same premium amount they pay today.) It is deducted from your Social Security, Railroad Retirement, or Civil Service Retirement check. If you don’t get any of the above payments, Medicare sends you a bill for your Part B premium every 3 months.

Whether you meet the above requirements or whether you’re not sure, Milz Health Group is here to help. We specialize in assisting clients through the maze of options available from Original Medicare (Parts A & B) to Medicare Advantage Plans (Part C), Medicare Prescription Drug Plans (Part D) and Medicare Supplement Plans (Medigap). Give us a call locally at 262.299.4904 or toll free at 866.575.3313 or simply click the button below and tell us how we can help. We look forward to hearing from you.

Medicare Enrollment Guidelines

Timing matters when you’re joining Medicare. When you turn 65 or otherwise become eligible for Medicare, enrollment windows open. But some of these windows will close quickly. If you wait until later to sign up, you may have fewer choices and you may pay more. Here’s a look at when to enroll:

Learn More About Eligibility Requirements

Learn More About Enrollment Guidelines

Once you have applied for Medicare Part A and Part B, you can then begin searching for the appropriate Medicare Supplement Plan, Medicare Advantage Plan, or Medicare Part D Prescription Drug Plan. Contact us by clicking the button below or call locally at 262.299.4904 or toll free at 866.575.3313 to speak directly with an independent insurance agent who specializes in Medicare Health Plans. We look forward to assisting you with your Medicare Health Plan needs.