How to Apply For Your Medicare Card
Posted: September 30, 2021
There are several ways to apply for your Medicare card: In Person - Contact your local Social Security Office By Phone - Call Social Security at 1-800-772-1213 to make a telephone appointment for an interview to begin benefits. Social Security will call you at the appointed time. Tell the representative that you wish to apply for Medicare Parts A&B only, unless you are desirous of other services,...
Independent Broker or Captive Agent?
Posted: July 23, 2021
What is the Difference? Adults entering Medicare will be amazed by the volume of direct mail email and cold calls that they will begin receiving months before their 65th birthday. This enormous pile of material does more to confuse than to provide any clarity. Navigating the Medicare system, and the many different Medicare Supplement Insurance Plans, Medicare Advantage Plans, and Prescription Drug Plans can become...
Why are Medicare Consultations Free?
Posted: July 23, 2021
Licensed and certified MediSmart Brokers are independent, giving you unbiased advice and presenting opinions for your coverage based on your specific needs and circumstances. They are able to represent the offerings of many different insurance companies and will review and compare many plan options, rather than representing one insurance carrier so that they can find a plan that best fits your individual needs and budget....
Must I Renew Medicare Every Year?
Posted: May 30, 2021
One of the most frequently asked questions from our clients is whether Medicare beneficiaries must renew their coverage every year. The simple answer is generally, no. BUT… Plans and circumstances may change year to year and it is critical to review your coverage annually to account for changes to your current Medicare Advantage plan, Prescription Drug Plan, drugs or health condition. Regarding Medicare Advantage and...
Forecasting Healthcare Costs in Your Retirement Planning
Posted: May 10, 2021
Healthcare is potentially one of the larger expenses in retirement and having an accurate understanding of your expenses requires one to understand how to forecast for rising healthcare costs as part of your retirement planning. In this blog post, we will review what you can expect to pay, on average, for Medicare or healthcare costs in retirement. The type of plan you select, if any,...