Medicare Quote Forms
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Maintaining health insurance coverage is important. As soon as you qualify for Medicare benefits, you should consider applying. Knowing where and when to start is crucial. In Utah, all consumer protections and benefits of the law apply to you, as they do in most other states. This means the process of applying to Medicare is the same. With the help of your dedicated Action Commercial Insurance agent, you’ll be able to get the Medicare portfolio that is best for your present and future wellness needs.
What is Medicare?
Medicare is health insurance for people who are age 65 or older, under 65 with certain disabilities, or any age with End-Stage Renal Disease (ESRD), which is permanent kidney failure.
Medicare will help beneficiaries pay to see a doctor for both routine and urgent care, surgical intervention, and other needs. You may need different types and amounts of cost assistance, depending on your unique medical needs. Medicare allows you the flexibility to choose benefits that are customized to your advantage.
What Does Medicare Cover?
Medicare’s primary benefits—Original Medicare—consist of two types of coverage:
Medicare Part A (Hospital Coverage): This coverage pays for hospital services. It might pay for inpatient hospitalizations, surgeries, IV treatments and similar care.
Medicare Part B (Medical Insurance): This coverage pays for everyday health care needs. This part of Original Medicare pays for regular checkups, lab services, X-rays, vaccinations and other outpatient costs.
Due to everyone’s health care needs being different, private insurers offer enhanced, Medicare-approved benefits that are designed to fill gaps in coverage left by Original Medicare.
Additional benefits include:
Medicare Part C (Medicare Advantage): Advantage plans must offer all the benefits of Part A & Part B coverage (with limited exceptions). However, they take your coverage a step further by offering expanded benefits like prescription drug coverage, dental insurance and vision care.
Medicare Part D (Medicare Prescription Drug Benefits): Original Medicare participants who do not have Medicare Advantage can buy Part D coverage to get their prescription drug insurance. Part D plans offer various drug formularies, premiums and pharmacy networks.
Medicare Supplementals (Medigap Plans): Medicare supplements are private plans designed to cover outstanding costs not insured by Original Medicare, such as copayments, deductibles, coinsurance and the costs of out-of-network care.
When Can I Enroll in Medicare?
According to the Medicare site, open enrollment for Medicare is now through December 7th of this year. As stated previously, you must be 65 or older, under 65 with certain disabilities, or any age with ESRD (permanent kidney failure) to be considered qualified. You can enroll in Original Medicare by visiting Medicare.gov.
Contact Us Today!
At Action Commercial Insurance Agency, we want to help you get the health care coverage that’s right for you. Contact us today to speak with one of our agents about enrolling in Medicare!
Medicare has neither reviewed nor endorsed this information.