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Are You Currently On Medicare?
MAJOR Prescription Drug Changes Are Coming for 2025 !
This short clip gives you a general idea about the changes. Welcome to attend "What Is New In Medicare In 2025" to learn more about the major changes. Sign up here.
WHAT IS MEDICARE
Medicare is the federal health insurance program for people who are 65 or older.
It is also available for certain people younger than 65 with disabilities or people diagnosed with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD) or Amyotrophic Lateral Sclerosis (ALS). There are different parts of Medicare that cover specific services like inpatient hospital stays, doctors' services and the cost of prescription drugs.
Medicare and You Handbook 2025
Standard Print (click to download)
Medicare and You Handbook 2025
Large Size Print (click to download)
You have a SEVEN-month window which is determined by the month you turn 65.
Three months before the month you turn 65 → The month you turn 65 → Three months after the month you turn 65.
For example: Your birthday is July 10.
April 1
July 10
Oct. 31
If you’re enrolled in a health care plan through an employer, you can keep your plan for now. But you may want to determine if Medicare could help lower some of your health care costs. We suggest comparing premium costs and coverage under both to see which is better for you.
Can I Switch Plans?
Annual Enrollment Period: Oct. 15 – Dec. 7
During the Annual Enrollment Period (AEP), you can add, drop or switch your Medicare coverage.
Open Enrollment Period: Jan. 1 – March 31
If you already have a Medicare Advantage (MA) plan, you may enroll in another MA plan or go back to Original Medicare during the Open Enrollment Period (OEP). You may only make 1 change within the period.
The following insurances may also help you and your family
Medicare does not cover everything, consider an overall coverage is a great protection for you and your family. You can help secure their long-term financial future by creating a plan to cover expenses that may be incurred if you pass away.
Disability income insurance provides benefits to help replace a portion of your income if you are sick or injured and unable to work. It's financial protection that helps you focus more on your recovery and less on how you will cover expenses. In addition to your income, here are some of the most important things in your life that disability income insurance helps protect: Your home, your retirement, your family, your personal savings, and your lifestyle.
Disability Income Insurance Policy
The right amount of coverage
You should have enough disability income insurance to at least pay your monthly living expenses, so you and your family can focus on what's most important during such a critical time... your recovery.
Your income matters
You rely on your income to help make financial ends' meet. That's why it's important to protect your income at any age during your working years.
The best time to buy
The best time to buy disability income insurance is NOW. A disabling sickness or injury can happen at any time, at any age. And, since premiums are based in part on your age at time of purchase, elimination may cost you more.
Families
With Critical Illness insurance coverage, families may have peace of mind knowing they’ve done the right thing to keep the house running as smoothly as possible.
Individuals in need of a high deductible filler
Critical Illness insurance may be the ideal solution for those who are worried about covering the costs of a high deductible health insurance policy.
Small business owners
Owners are the heart and soul of their small business. If an owner is unable to work for a period of time due to illness or treatment, a Critical Illness policy may help keep operations running as smoothly as possible for a time.
Critical Illness Insurance
If you’re diagnosed with a serious illness, one of the last things you want to worry about is your finances. A Critical Illness insurance policy helps provide protection from a variety of covered conditions, so you can focus on getting well.
Who needs Critical Illness insurance?
Cancer Insurance & Heart Attack / Stroke Insurance
With the diagnosis of cancer or heart disease comes the reality of medical bills, time off for treatments, monies for living expenses, and for some, the cost of high deductibles. Cancer Insurance & Heart Attack / Stroke Insurance helps provide the resources you need so you can focus on your treatment, not your finances.
Who needs Cancer Insurance & Heart Attack / Stroke Insurance?
Families
With Critical Illness insurance coverage, families may have peace of mind knowing they’ve done the right thing to keep the house running as smoothly as possible.
Individuals in need of a high deductible filler
Critical Illness insurance may be the ideal solution for those who are worried about covering the costs of a high deductible health insurance policy.
Small business owners
Owners are the heart and soul of their small business. If an owner is unable to work for a period of time due to illness or treatment, a Critical Illness policy may help keep operations running as smoothly as possible for a time.
Do you Have Any Questions Or Need Some Help?
Please Enter Your Information Below And We Will Reach Out To You.
I Need Help With Medicare
Contact us today, our licensed insurance agents will help you find the right Medicare plan.
By providing your information above and clicking the "Submit" button, you consent to receive information about life, health insurance or Medicare at the email address, postal address and/or telephone number you provided via emails, text messages and postal mail; and calls from a licensed insurance agent and/or artificial or prerecorded telephone calls and messages, including using an automatic dialing system. You understand that your consent is not required as a condition of purchase. By submitting your information, you agree to be contacted even if you are on any internal, state or national “Do Not Call” list.
Contact Rebecca
Please feel free to text or email me
954-590-0882
954-388-8830
Licensed Independent Insurance Broker
Rebecca Blanchard
954-590-0882 / 954-388-8830
lifehealthinsured.com