New to Medicare?
If you’re new to Medicare, have a life change or need to review and adjust your existing plan,
Medicare Portal’s experienced insurance agents are at your service.
New to Medicare?
Over 10,000 individuals become eligible to participate in Medicare each day. Medicare is a health benefit you’ve worked hard to earn. It is vital that you make the right decisions at the appropriate times in order to choose or change to a coverage plan that provides the maximum benefit to you.
Medicare Portal’s team of knowledgeable Medicare insurance agents works with individuals one-on-one to explore, choose and enroll in the right Medicare plan based on their unique circumstances.
What is Medicare?
Medicare is a federally funded program coordinated through the Center for Medicare Services (CMS) and Social Security that offers healthcare coverage to American citizens and legal residents over the age of 65 or with certain qualifying disabilities.
This program is often referred to as Original Medicare, with two main components:
- Part A: Inpatient & Hospital Coverage
- Part B: Outpatient & Medical Coverage
Once eligible to receive Medicare coverage, beneficiaries can choose how to obtain their coverage:
- Through Original Medicare (Parts A & B) provided by the federal government
- Through a Medicare Advantage plan (Part C), which is an alternative to Original Medicare and provided by private insurance companies contracted through Medicare
Determine Your Medicare Eligibility
If you qualify for Original Medicare, once enrolled you’re also eligible for additional Medicare coverage options.
Are you eligible for Original Medicare?
At age 65, you become eligible for Original Medicare if:
• You’re a U.S. citizen OR a legal permanent resident living in the U.S. for the past five years
You can also qualify for Medicare if:
• You’re younger than 65 with a qualifying disability
• You’re any age with a diagnosis of end-stage renal disease or ALS
When do you enroll in Medicare?
Knowing when to enroll in Medicare is equally as important as choosing your Medicare benefits. Specific enrollment periods were created to accommodate various life events and changes. First, let’s identify the different enrollment period scenarios to determine which best applies to you and your situation.
Here are five key categories that guide when you enroll:
- You’re turning 65
- You’re working past 65
- You have a qualifying life event or change
- You missed your Initial Enrollment Period
- You need a plan and prescription review
Enrollment is not automatic for everyone, and it’s important to know which enrollment period best applies to your situation. If you miss your deadline to enroll, you risk incurring late enrollment fees, which is why it’s crucial to enroll on time.
Which Medicare plan is right for you?
Determine the right Medicare plan for your medical and financial needs by learning more about available coverage options. Once enrolled in Original Medicare Parts A and B, you qualify for supplemental forms of coverage, as well as prescription drug benefits.
The first step is to learn about the different Medicare plans and what they cover, and then what your options are depending on your specific situation, your medical needs and your financial budget. Gaining a better understanding of the pros and cons of each plan will help you make a more informed decision regarding your healthcare coverage.
So how much does Medicare cost?
The answer can vary. Several factors that will determine your actual Medicare costs, such as where you live, your income, the specific plan you select, and the out-of-pocket expenses relating to your plan.
Understanding your coverage costs is an important step in your Medicare education and plan selection process. It’s crucial to choose the plan that fits your budget. At a basic level, the costs associated with Medicare plans include: premiums, deductibles and coinsurance/ copayments.
Medicare Portal is your trusted guide and resource for Medicare education, enrollment and services for beneficiaries living in the Mid-Atlantic region. Our team will help you navigate Medicare whether you’re soon turning 65 and just getting started, or your healthcare needs have changed and you need to update your existing Medicare plan.
Our services are 100% free, and a licensed insurance agent can meet you online or in-person at your convenience for your consultation.
Get Help with Medicare, Contact Medicare Portal Today!
Our knowledgeable insurance agents help you navigate and enroll in the Medicare plan that’s right for you. We offer Medicare education and enrollment assistance in person, over the phone and online, and best of all, our services are 100% FREE!
Call 703-214-4600 to schedule a phone or in-person Medicare Consultation today!