Medicare forms with calculator

How To Get The Most Out Of Your Medicare Benefits

Individuals 65 and older as well as some younger people with disabilities are covered by the federal health insurance program known as Medicare. If you meet the eligibility requirements, Medicare can pay for most of your medical expenses. However, there are many costs that Medicare won’t cover.

Here are tips from the best Medicare advisors in Coral Springs to help you get the most out of your Medicare benefits.

Enroll in Medicare on Time

You can sign up for Medicare three months before your 65th birthday or six months after that birthday if you are disabled or have an end-stage renal disease (ESRD). You also can enroll any month of the year if you have made a permanent move to another state.

Suppose you sign up late and wish to receive retroactive benefits back to the date of your first eligibility. In that case, it will cost you an additional 2% per month for every month without coverage, plus a $1,200 penalty for every 12 months without coverage before enrollment. Consult with a Medicare insurance agency in Coral Springs to know the best time to enroll.

Get the Right Plan

You have several options when choosing a Medicare plan. The first thing to do is find out whether you qualify for free Medicare Part A coverage (hospital insurance). If you don’t qualify, you’ll need to buy supplemental insurance from the best Medicare supplement insurance agency in Coral Springs to cover your out-of-pocket costs for medical services not covered by Part A.

Enroll In Cost-Saving Programs

Medicare offers many ways to save on prescription drugs, such as the “donut hole” discount card and low-income subsidies for some drugs purchased through Part D plans (prescription drug coverage). You can also sign up for a Medigap policy covering out-of-pocket costs not covered by Medicare Parts A and B. However, our Medicare supplement insurance agency in Coral Springs, FL does not reduce what you pay for premiums or deductibles.

Sign Up for a Medigap Plan

Once you have enrolled in Medicare Parts B and D, you might qualify for a Medigap policy to help with some of the costs that Medicare does not cover. These coverage options are available anytime and are valid until you turn 65.

Some expenses that Original Medicare doesn’t cover are helped by Medigap policies (like copayments, coinsurance, and deductibles). However, don’t wait until you’re ill to enroll — you never know when an accident or illness will happen.

Coordinate Benefits With Other Health Plans

If you have other health coverage, such as an employer’s group or coverage under a spouse’s plan, coordinate your Medicare benefits with those plans to ensure they will cover all your healthcare needs. If not, look into Medigap policies that may offer additional coverage.

In conclusion, Medicare is an excellent resource for seniors and their families. If you’re getting ready to turn 65 or already have Medicare, these tips can help you get the most out of your benefits. A Medicare insurance agency in Coral Springs, FL can help you navigate Medicare and understand your coverage. If you have questions about how to use your benefits or need help finding a plan that best fits your needs, contact iWill Advisors, the best Medicare advisors in Coral Springs, today!

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Medicare card and pills

5 Things You Need to Know Before Selecting a Medicare Advisor

If you are about to turn 65 years or are younger but live with illnesses and disabilities, choosing the right Medicare plan will play a vital role in your healthcare for the rest of your life. Each plan has different premiums, benefits, and healthcare providers’ networks. This is why you need to consult with a Medicare advisor to avoid mistakes. An advisor will also offer professional advice when problems arise. Note that Medicare rules and regulations keep changing but having a good advisor will keep you in the best plan despite the changes. Consider the tips below when choosing independent Medicare advisors in Coral Springs, FL.

1. Choose a Specialist Licensed to Practice in Your State

Search through the internet for Medicare advisors licensed in your state. This is to ensure that you work with a person familiar with the top carriers in your area. Use keywords like “Medicare insurance advisors in Coral Springs, FL” to find links to advisors you can vet. Prepare a list of potential advisors and check whether they are American Health Insurance Plans certified. A good Medicare advisor should also have certification for the specific Medicare plan they represent.

2. Inquire if the Advisor Searches All the Medicare Plans in Your Region

Unfortunately, some Medicare advisors only recommend companies that offer them a commission. From your list of potential advisors, eliminate those who provide limited options. The advisor should search across every Medicare carrier in your region to offer plans with different coverages and costs.

3. Evaluate Their Experience

Narrow down your search by checking the advisor’s experience level. Call or meet with the advisors and ask them how many people they have helped in the previous month. If possible, they should link you up with their recent clients so you can inquire about the quality of service offered. Whenever the advisor recommends a company, you can test their product knowledge by asking how long it has been in business and its rating.

4. Pay Attention to How the Advisor Communicates

After interacting with several Medicare insurance advisors in Coral Springs, FL, pay attention to how they communicate. A good advisor should be attentive to your needs to ensure you get the best coverage. Work with someone who picks up calls quickly and answers all your questions. They should explain all the Medicare solutions in details. A good advisor should also inform you of any plan changes and forecast the potential future premium changes.

5. Choose an Advisor Who Prioritizes Your Care

Your Medicare advisor should help you choose a plan that covers all the doctors you need, even those you visit once a year. If you opt for the Medicare Supplement, the advisor should countercheck whether your doctors take Original Medicare for you to get coverage. They should also prioritize your drug coverage options based on your prescriptions.

Are you looking for a reliable, trustworthy Medicare advisor in Coral Springs, Florida? Get in touch with iWill Advisors. We will educate you on the different Medicare health insurance solutions available and help you pick the right option. Contact us for more information.

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How to Avoid Medicare Scams While Applying for Medicare

Medicare is the federal health insurance program. It was established in 1965 and has grown over the years to cover more services. One would think that applying for medical care-related expenses with Medicare is simple enough, but it’s not. There are many scams that people come across while applying for their basic medical needs.

 

Medicare is a federal health insurance program meant for individuals aged 65 and older. It is also for people under 65 with certain disabilities. It helps cover the costs of many health care services. These include hospital visits, doctor appointments, lab tests, prescription drugs, and more.

 

The problem is that Medicare has become a frequent target by scammers who prey on seniors. I Will Advisors has seen numerous family members fall victim to these scams and lose their hard-earned money. It’s terrible because lifetime savings can be wiped out in moments by seniors who think they’re doing the right thing. To help you protect yourself from being one of these victims, I Will Advisors offers some useful tips on how to avoid becoming a scam victim.

 

Don’t Give Out Personal Information

If I want help with my medical bill, I’ll need to provide personal information. I will provide my Social Security number and birth date. This makes it easier for scammers to steal my identity.

If someone asks you to send money or provide a credit card number over email or the phone, don’t do it. Instead, call their health advocates directly and ask them what they need from you before proceeding. This is a common scam that could lead to identity theft.

 

Don’t Share Medical History Over the Phone or Email

Medicare consultants do not contact beneficiaries to ask them about their health status or medical history. If someone asks questions like these, that’s a red flag that it’s a scammer trying to gain access to your data. If you think someone has already obtained your details illegally, report it immediately.

 

 Don’t Pay for Anything Upfront

Don’t pay upfront fees without first checking if they’re legitimate charges from the government or insurance companies. Medicare doesn’t charge any fees if I need help with my medical bill. There are no charges before enrollment or premiums until after enrollment in the program.

 

Beware of Emails From Unfamiliar Sources

Medicare consultants will not send you an email asking you to click on a link or open an attachment or enter personal information. The government will not ask for your Social Security number over the phone.

If you receive an email from someone claiming to be health advocate or Medicare representative or administrator, it may not be legitimate. Scammers often send emails from fake accounts in order to trick their victims into giving up their information or money

 

Confirm Any Medical Provider by Visiting Their Website

Look up the provider’s information in Medicare’s provider directory. This includes licensed hospitals, clinics, and physicians that accept Medicare assignments.

 

As more people become eligible each year, there are more opportunities for scammers to take advantage of them. Medicare fraud is on the rise, and seniors need to be aware of how they can protect themselves from scams. Contact I Will Advisors today for more information.

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Are you new to Medicare?

If you are 65 years or more, you might have heard of Medicare from friends, family, or colleagues. Anyone that turns 65 is eligible to apply for Medicare three months before reaching this age. If you have a disability, you could apply and get early Medicare, primarily for conditions like Lou Gehrig’s disease and End-Stage Renal Disease. Remember, you qualify for Medicare if you pay taxes and are working. There are many Medicare Options South Florida where you can find the alternative that fits your medical and financial situation.

 

Types of Medicare

If you want to fully understand the concept of Medicare and select the best option, you might need to contact an advisor. You can find several Medicare Options South Florida, where you can get important information on how to approach Medicare. I Will Advisors are well versed in Medicare and break down the four parts as A, B, C, and D.

Also, you can get significant information about Long Term Care Help South Florida. Part A, hospital insurance, and B, medical insurance, are the original Medicare. Parts C and D are still significant, but C is private health insurance while D only covers prescription drugs.

 

How to Sign Up for Medicare

When it comes to signing up for Medicare, you will begin with parts A and B. Before you proceed, you should know when and how to sign up for the coverage and when it will start. You will be eligible to sign up for Parts A and B when you turn 65.

Some people will automatically get parts A and B, while others must sign up for the cover. For manual sign up, you will need to contact social security.

 

When Does the Coverage Start?

Your coverage will start depending on when you signed up or the period in which you signed up for the service. When you turn 65, it will be your initial enrollment period.

The period will last seven months which starts three months before your birthday. Also, the period will end three months from the date you turn 65.

Part B begins in the next two months if you sign up a month before turning 65. If you sign up a month before your birthday, it will start the following month. If you sign up two or three months after your birthday, you will have to wait at least three months.

You can always find a Medicare Insurance Agency South Florida that will provide adequate information about the best cover and time to register. Remember to examine local reviews of any candidate agency you intend to seek their services.

 

Can You Get More Coverage?

After getting your cover, you can review your options from a Medicare Insurance Agency South Florida if you want information about more coverage. For example, you may need to decide between Original Medicare and Medicare Advantage. Original Medicare offers parts A and B with drug and supplemental coverage. Medicare Advantage has parts A and B with drug coverage and extra benefits like vision, dental, and hearing services.

If you need help with your choices, I Will Advisors will help you understand Medicare basics and other options like Medigap. Also, you can access services like Medicare solutions, life insurance & annuities, and Long Term Care Help South Florida.

Anyone aged 65 years or more can register for Medicare and enjoy its benefits. The earlier you register, the earlier you will get to use the coverage. Speak to a reputable advisor to understand the different types of Medicare. Allow them to help you select the best coverage for your situation.

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Senior Insurance Help Coral Springs

How to Avoid These Common Medicare Mistakes

Medicare is the United States’ healthcare program for adults aged 65 and up and a few younger individuals who meet a specific criterion. Many major medical costs are covered by Medicare Part A, Part B, Part C, and Part D for registrars.

However, there are some challenges that families and caregivers may face regarding registration and Medicare Advantage coverage. If you or a loved one makes a mistake when enrolling in Medicare, you or they may be charged higher premiums or face other difficulties. Medicare is an overwhelming procedure, so it is necessary to find an insurance provider who provides you with the most suitable Medicare options. South Florida offers more than a hundred different Medicare advantage plans compared to other counties with fewer options. Therefore, an insurance provider will help take you through the procedure so you can avoid these common mistakes below:

Not Enrolling In Medicare At The Appropriate Time.

Time waits for no one, and this is especially true when you are aging and when it is time to register for Medicare, which is when you turn 65. The ideal time to enroll for Medicare is the IEP (Initial Enrollment Period), a 7-month period that starts three months before you turn 65 and lasts till three months after you turn 65.

If you don’t register within your IEP, you’ll have another opportunity to do so during Medicare’s annual general enrollment session, which runs from January 1 to March 31 each year. However, if you join at that time, your coverage will not start until July. You’ll also pay a higher monthly premium for Medicare Part B, which covers doctor’s appointments and other outpatient care because you joined late.

Missing The Special Enrollment Period

If you are 65 or older, you must enroll in Medicare when you quit working and lose your health care coverage or when your spouse’s insurance coverage expires. Medicare has established a particular enrollment period (SEP) to allow you to do so without incurring a late enrollment penalty. Once again, time is crucial. Many people are unaware that this SEP can only be used when you are insured by employment healthcare or 8 months after you have lost your job-based insurance.

Part B And Part D Late Enrollment Fines

Your monthly Part B premium could be 10% more for every 12 months you wait to enroll in Part B. If you have employer coverage or are still in your special enrollment period, the penalty will not apply.

Your monthly insurance premium may increase by 1% for every 12 months you wait to enroll in a Part D plan. Prescription drug expenditures are covered under Part D insurance. If you can prove to Medicare that you have medication coverage comparable to that offered by a Medicare Part D plan, you won’t be charged the Part D penalty.

Not Registering For Part B Thinking You Already Have COBRA Insurance

Unless you or your spouse already has coverage via a current job with 20 or more employees, Medicare is generally regarded as your primary insurance when you turn 65. Any other insurance you have is considered secondary. However, the insurance must be through current employment.

Unless you or your spouse already has coverage via a current job with 20 or more employees, Medicare is generally regarded as your primary insurance when you turn 65. Any other insurance you have is considered secondary. However, the insurance must be through current employment. After you turn 65, other employer-provided coverage, such as COBRA, retiree coverage, or severance compensation, isn’t considered primary coverage. If you don’t enroll in Medicare, you risk having coverage gaps and paying a lifetime penalty of 10% of the current Part B premium for each year you should’ve been enrolled in Part B but weren’t.

Thinking You Can’t Afford Medicare

You might think that your limited income may stop you from enrolling in Medicare, but there are specific programs that can help you with your health costs.

  • Medicare Savings Program (MSP)
  • State Pharmaceuticals Assistance Program (SPAPs)
  • Extra Help

Here at iWill Advisors, we provide you with many different choices, plans, and cost considerations while guiding you every step of the way.

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Medicare South Florida

United American Insurance Carrier in South Florida Helps Seniors with Coverage Options   

There are many benefits to growing older. Studies show that the golden years really are golden! Senior are among the happiest group of people, especially when compared to their younger counterparts.  Some of the perks typically include financial security and health care benefits. If you are a senior looking for a United American Insurance carrier in South Florida, consider calling iWill Advisors.  

If you have questions about Medicare, let the experts at iWill Advisors Help. We are a United American insurance carrier in South Florida.  

Medicare is a federal health insurance program generally for people age 65 or older who receive Social Security retirement benefits. Enrolling in Medicare is not as simple as turning 65 and automatically getting government-sponsored coverage. As it turns out, Medicare coverage can get pretty complicated. There are four main parts to Medicare, and they include Part A, Part B, Part C, and Part D.   

Medicare Part A is also called inpatient or hospital insurance because it covers care in the hospital. Some of the costs for stays at skilled nursing facilities or home health care are also covered by Part A . Part A also covers hospice care for people who are terminally ill.  

Medicare Part B is also known as medical insurance, because it pays for doctors’ services, outpatient care, and some other medical services that Medicare Part A does not include, like some types of physical therapy and occupational therapy and some home health care.  

Part C is also called the Medicare Advantage plan. It is a Medicare health plan provided by private companies that contract with Medicare to offer you with all your Part A and Part B benefits. Many plans also offer Part D drug coverage. Premiums range by region and plan. Medicare Part D covers prescription drugs.   

United American offers insurance for individuals and groups. iWill Advisors helps those who need insurance. iWill Advisors represents all of the major national insurance companies, as well as being a United American Insurance Carrier in South Florida.  If you’re looking to acquire life insurance, group insurance, or medical insurance, the experts are waiting for you! Call 954 – 753 – 8080 to find the policy that best fits your needs.

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Insurance South Florida

Summer Safety Tips from a United American Insurance Carrier in South Florida

Summer is almost here. For many people, warmer temperatures mean more trips to the beach, pool parties, and traveling for summer vacations. While warmer weather can mean big fun, safety should be your priority, especially if you are older. Follow these tips from a United American Insurance Carrier in South Florida. 

We are a United American Insurance Carrier in South Florida that wants to help you stay safe 

 Follow these summer safety tips: 

  1. Stay properly hydrated. In South Florida, the summer heat can quickly cause dehydration when on the water or playing sports.
  2. Protect your skin from the sun. Make sure you and those around you wear sunscreen. If you are going to be outdoors for extended periods, remember to reapply it to avoid sunburns and sun poisoning.
  3. If you are on the water, always wear a life jacket. Do not substitute other flotation devices for life jackets.  

Care and concern for its customers are what has helped make United American Insurance is one of the most widely-used insurance companies in the United States. As a United American insurance carrier in South Florida, iWill Advisors can quote prices and compare to other Medicare supplement plans. 

Medicare enrollees face lots of choices. Choosing a Medicare plan can be complicated. We offer to help our clients understand Medicare and its multiple parts by explaining each section in complete detail so that you know what you’re actually purchasing. But the decision isn’t just financial; your health care needs often change as you age. As your needs change, you may want different coverage. 

If you have questions about enrolling in a Medicare plan, call iWill Advisors today at (954) 753 – 8080 and learn how we can make this process easier. We are a United American insurance carrier in South Florida that takes pride in exceeding your expectations. 

 

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Senior Healthcare Solutions Coral Springs

Where Can I Find a United American Insurance Carrier in South Florida?

It can be challenging to find an insurance agency you can trust, and make a purchase. At iWill Advisors, we work with some of the top companies in the health insurance world, especially in Medicare. As a United American Insurance Carrier in South Florida, our company can help you quote their prices, while also comparing to others in the Medicare field.

Why Choose a United American Insurance Carrier in South Florida?

United American insurance is one of the most widely used insurance companies. Their dedication to impeccable customer service has made them a top choice for many, especially for those looking for quality prices alongside quality coverage. American United Insurance built their brand from the idea that each person is unique, and therefore in need of different policies and coverage.

At iWill Advisors, we offer the best of the best insurance carriers across the country. We know that choosing insurance can be confusing, which is why we assist our clients in narrowing down their options. We know each client has a different budget, life plan, and preference, which is why United American Insurance is so popular for so many. Regardless of your life’s needs, the professionals at iWill Advisors can help you find a package that meets all of your desires.

Not only does iWill Advisors help to guide, but we’ll also educate our clients on their policies from the inside out. Insurance is never easy to understand, which is why we offer to break down Medicare into its multiple parts and explain each section in complete detail so that you know what you’re actually purchasing.

Throughout one’s lifetime, the need for insurance changes. As a United American Insurance carrier in South Florida, it’s easy to see why so many choose this company as they offer a wide variety of coverage to suit many different needs. If you’re interested in purchasing or revising a life insurance policy, call iWill Advisors today at (954) 753 – 8080 and see how we can make this process easier.

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Find an Insurance Provider Coral Springs

How to Choose Appropriate Medicare Options in South Florida

Reaching sixty-five is quite the milestone, for more reasons than one. Now, you’re officially eligible to receive Medicare! While many may think that Medicare is a more affordable option, making the wrong choice or decision could actually be a high price to pay. It’s wise to consistently re-evaluate your healthcare needs from year to year to ensure that you’re still choosing the Medicare options in South Florida that are right for you.

If you’re looking for Medicare options in South Florida, contact iWill Advisors!

If you’re currently carrying Medicare Part D, then you’ll especially want to reassess your options every year, as your personal needs for medications may change. Other aspects vary as well, such as copays, benefits, and premiums. For those who are new to Medicare, it’s important to know that this particular coverage is broken down into separate parts. Medicare is not just one all-encompassing health care coverage option. There are many smaller decisions to be made, which can get somewhat confusing.

The basics are as follows:

  • Part A covers inpatient hospital care, skilled nursing facility, hospice, lab tests, surgery and home health care.
  • Part B covers doctor visits, outpatient care, outpatient hospitals, durable medical equipment, and preventative care.
  • Part C is a private insurance option. Part C plans are offered through private insurance firms and approved by Medicare.
  • Part D covers prescription drugs.

As you can see, there are many different choices for Medicare health care coverage. When choosing a plan, the experts at iWill Advisors know how stressful and confusing this can be, which is why we help to guide seniors towards the path that best suits their current needs. Our expertise is especially helpful for those choosing Medicare insurance for the first time. If you’re searching through Medicare options in South Florida, please call today at (954) 753 – 8080. Picking the wrong choice could be an expensive mistake. Instead, allow the professionals to narrow down your search results, tailored to your needs.

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Life Insurance & Annuities Coral Springs

How a Medicare Insurance Agency in South Florida Can Give Peace of Mind

Choosing health insurance is by far, one of the most significant decisions a person makes in their adult life. Ensuring that you’ve selected a plan that will last you, fit within your budget, and cover all of your health care needs can be complicated. In fact, searching for health insurance can be downright stressful! Luckily, there is a Medicare insurance agency in South Florida that is giving many individuals peace of mind.

Find the appropriate Medicare insurance that fits your needs with a Medicare Insurance Agency in South Florida!

Money is a concern for all people and all walks of life. Financial constraints pertain to health insurance costs as well. Though Medicare is known for being more accessible, it doesn’t mean that one can buy health insurance without worrying about their bank account’s current state. In fact, many Americans decide most of their purchases based on how much they cost. Sifting through insurance packages and plans can be stressful, let alone when trying to pair them with an affordable price. At iWill Advisors, we help our senior clients quote Medicare options, ensuring that they feel comfortable and secure with their payments, deductibles, and more.

Additionally, choosing a plan that encompasses all of one’s needs can also be stressful. How can one truly understand all of the ins, outs, coverage, and non-coverage parts of insurance? Many Americans are not familiar with insurance the way the professionals at iWill Advisors are. We’ve helped many Florida residents understand their policies inside and out so that there is no confusion over what is covered and what is not.

At iWill Advisors, we work with companies such as United Health, Preferred Care Partners, United American, and more. Representing all of the major health insurance carriers led us to become one of the top trusted advisors in the state! We know the world of insurance, and we also know how important it is that policyholders feel good about their purchases. Instead of stressing over the details, allow our Medicare insurance agency in South Florida to guide you in the right direction. Call us today.

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