Please be aware that I never share contact numbers or email addresses with anyone and all personal information is kept absolutely confidential.  No one will call you unless you ask to be called and the only person you would talk with is me.  Thanks for visiting.  Please let me know how I can help you.  John K Arnold

The annual Medicare Advantage and Medicare Part D Prescription plan open enrollment has changed for 2011.  It is from 10-15-2011 until 12-07-2011.   During this period anyone on Medicare whether over age 65 Medicare or under age 65 disability Medicare can sign up for a Medicare Advantage or Medicare Prescription plan.   This is truly an open enrollment period where you have freedom make changes.  In this period you do not need a reason, you just can change because you want to. During this time, AEP, Medicare beneficiaries may change prescription drug plans, change Medicare Advantage plans, return to original Medicare, or enroll in a Medicare Advantage plan for the first time.  Enrollment changes take effect on January 1.

News for people on underage Medicare disability.  

Starting October 1, 2009 Insurance Companies offering Medicare Supplement Plans in Florida must also offer the Medicare supplements to people on Medicare due to disability.   There is a limited open enrollment period.  Please contact me immediately for information on underage Medicare supplements so you can decide if that is best for you.  Please click on the button below to receive information on underage Medicare Supplement plans.  

I have information on underage 65 disability Medicare Supplement Plans available.

Would you like information emailed to you on Medicare Advantage and/or Medicare Supplements and/or Medicare Part D Prescription Plans?  If so, please click the button below to make your request.  This is not a request for an appointment and only if you specifically ask will I call you.   By completing the form you are requesting that I email you information you requested.

The Original Medicare Plan

The Medicare Program is a federally managed health insurance program for people age 65 or older; people under age 65 who have certain disabilities; and people of all ages who have permanent kidney failure requiring dialysis or a kidney transplant (a condition referred to as end-stage renal disease).

Medicare's standard health plan, referred to as Original Medicare, offers two primary types of coverage: hospital and medical.

Part A: Hospital Coverage

Medicare Part A helps cover inpatient care services received in hospitals and critical access hospitals, as well as intermittent inpatient care received in skilled nursing facilities. For those who meet certain eligibility requirements, Part A also covers hospice care and some home health care services. Part A does not cover long term care.

Most people get Part A automatically when they turn 65. If you are disabled, you may be eligible three months before and three months after your 25th month of disability. The plan will notify you when your coverage begins. Part A is available at no cost to people who have worked, or whose spouses have worked, for at least 10 years and have paid Medicare taxes through their employer(s).

Part B: Medical Coverage

Medicare Part B helps cover doctor visits, outpatient care, and some additional services not covered by Part A (such as physical or occupational therapy). It also may cover medically required home health care services.

If you are interested in receiving Part B, you can sign up anytime during a 7-month period that begins 3 months before your 65th birthday. If you are disabled, you may be eligible three months before and three months after your 25th month of disability. Part B requires a monthly payment, or premium, for coverage. Generally, this payment is deducted from your Social Security check. The premium amount you pay is impacted by when you choose to enroll in Part B and is decided each year. In most cases, premium rates will increase by 10% for each full 12-month period that you could have had Part B, but did not enroll. Therefore, it is a good idea to consider enrolling in Part B as soon as you become eligible.

For more information please contact:

Evan Lustig, LUTCF
Insurance Associates
Health, Medicare, Life, Auto with over 22 years experience