Medicare

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Do not be intimidated by Medicare, I know it is easy to say and write down, we do it every day, eat, sleep and drink it. Occasionally we get a zinger and call in the all mighty , all powerful OZ for back-up. You can meet him here. Medicare can be broken down into 3 parts, A Medicare Card, A Medicare Plan or A Medicare Supplement. Did you see what we did there ? OR, you cannot have both, ever. A Plan , A.K.A. and Advantage Plan is a restricted plan based on your area, specific networks and doctors, some take it some don't. A Supplement offers the ultimate in FREEDOM, you can use a supplement anywhere Medicare is accepted , about 98% of all providers and facilities.

So that covers the TWO Parts, so what is the 3rd ? You can have a Red-White and Blue Card which costs you each month, generally out of your social security, unless, you have delayed taking your Social Security, and you have insurance. The downside, 20%...........to infinity (and beyond). Can you get by with just a "Plan Old Medicare Card" in your pocket ? Absolutely, and if you have that kind of money , well..........I am impressed and would love to be your Mentee !! For many , an unlimited amount of money is not feasible, nor is "self-insuring" the 20% .

In closing, if you go with a Medicare Supplement, it is highly recommended you obtain a Medicare Prescription Drug Plan or PDP or Part D, if you fail to do this when offered , well there is a Penalty. Much like the PENALTY you will incur for not taking Part B Medicare when it is offered to you.

Some exceptions to all of these rules apply, we know the exceptions, because we enroll in Medicare over 100 times per month, everyone else does it once in a lifetime. Call me, I relieve the anxiety, fix the problem and then all you have to focus on is how to spend that unlimited supply of money !!! --Luke