Annual Election Period (AEP)
October 15th - December 7th

Premier Medicare Plans

Are you new to Medicare?  Not sure what plan to choose at the Annual Open Enrollment?  McGregor Benefits is dedicated to helping you find a supplement, advantage plan, or drug plan that is right for you.

Need our help now? Happy with your health insurance plan, but want to work with our agency? We can help. Simply contact our office for a broker of record letter, which allows us to help you with all your plan questions and concerns all year.

Does Medicare alphabet soup of Part A, Part B, Part C & Part D have your head spinning? We have helped thousands of folks just like you understand the basics of Medicare.

Medicare Services We Help With

MedAdvantage

Medigap and 

Part D Prescription drug plans

Medicare Advisors Burlington

Call one of our expert producers for help today.

Let us help you find a Medicare Supplement, MedAdvantage or a Part D Drug plan that works for you.
Calling us at 1-888-299-0949 will direct you to a licensed insurance producer/agent/broker.

Don Childs Insurance Agent
Don Childs
Kimberly Hawley
Cindy McKeon
Ora Navarro

McGregor Benefits Medicare Advisors help you

  • Assess your health care coverage needs
  • Determine general eligibility for health care programs
  • Evaluate and compare health insurance plans and programs
  • Provide enrollment help with Medicare

What Is Medicare?

Medicare is a federal health insurance program run by the Centers for Medicare and Medicaid (CMS).It mainly provides health insurance for people who are at least 65 years old. However it also covers some younger people with a qualifying disabilities or illnesses.

Medicare Eligibility & Requirements – Who Qualifies For Medicare? 

People aged 65 years and older who have been legal residents of the U.S. for at least 5 years, and younger people who are approved for SSDI (Social Security Disability Insurance) Recipients of SSDI are typically eligible to receive their Medicare benefits 2 years after the date they are entitled to the benefits. People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD) also qualify for Medicare.

If you have questions about your eligibility, or want someone to walk you through the process, contact us here.

Can You Lose Medicare Benefits?

Usually, the only reason that you would lose your Medicare benefits is that you didn’t pay your premium(s).

Medicare Categories

  1. Part A: Hospital Insurance
  2. Part B: Medical Insurance
  3. Part C: MedAdvantage Plans
  4. Part D: Prescription Drug Plans, Medigap, or Supplement Plans

Medicare Coverage & Benefits Washington State

Medicare coverage is not a one-size-fits-all type of coverage. There are several options, some require that you pay a premium, others are free.

Medicare Parts A & B are considered “Original Medicare.”

The Different Parts Of Medicare

Medicare Part A – An easy way to remember Part A is to think of it as hospital insurance, because Part A covers

  • Inpatient hospital care
  • Skilled nursing facility care
  • Hospice care
  • Home health care

Part A Premium – If you have Medicare Part A, then you usually do not have to pay a premium. If you or your spouse worked over 40 quarters in their lifetime. 30-39 quarters = $240/month in 2019, and under 30 quarters = $437/month in 2019.

For all the details on Medicare Part A, check out the Office of the Insurance Commissioner Washington State website “What Medicare Part A Covers.”

Medicare Part B – Health care specific to medical insurance. Part B covers

  • Services from doctors and health care providers
  • Outpatient hospital care
  • Home health care
  • Durable medical equipment
  • Preventive services

Part B Premium – Unlike Part A, Medicare Part B requires a premium. The standard premium is $135.50, or more if you meet the income threshold, in 2019. Part B costs. Check out “What Medicare Part B Covers” for all of the details.

Medicare Part C  – MedAdvantage

Medicare Advantage. Combines Part A & Part B and sometimes Part D, and covers

  • All benefits & services covered under Original Medicare Parts A & B
  • Can include Prescription drug coverage (Part D)
  • Run by private insurance companies that are Medicare approved
  • Extra services & benefits for additional cost

Check out “Medicare Advantage Plans” for all of the details.

Medicare Part D – It’s easier to remember this as prescription drug coverage. Part D details:

  • Prescription drug costs
  • Helps pay for both branded and generic drugs.
  • Run by private insurance companies that are Medicare approved
  • Each plan has its own folumarlies and contracted pharmacies

Check out “What does Medicare Part D Costs and Covers?” for all of the details.

Part D Premium – This is offered by insurance companies approved by Medicare, so premiums vary, but the average premium is $33/month as of 2019.

Medigap – Also known as Medicare Supplement or Modernized Supplement Insurance. Medigap details:

  • Run by private insurance companies that are required to follow federal and state laws
  • Medigap insurance companies can only offer you a standardized plan
  • Helps fill in the “gaps” or healthcare costs of what original medicare does not cover like deductibles, copays and coinsurance.

 

Check out “What is a Medigap Plan & Why Should I Buy It?” for all of the details.

Medigap Premium – Higher premiums = $44 to $353/month; Lower premiums = $0 to $273/month. See “How Much Do Medigap Plans Cost & What Do They Cover?”

 

Ask us about Medigap/Medicare Supplement.

Medicare Eligibility Requirements

  1. Age 
  2. A qualified disability

People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD) also qualify for Medicare.

If you have questions about your eligibility, or want someone to walk you through the process, contact us here.

What Is Medicaid?

With Medicare, eligibility is not income based. The major difference between Medicare and Medicaid is financial. Medicaid is the state’s solution to providing health coverage for people with low income.

People who are approved for SSI (Supplemental Security Income) will qualify for Medicaid.

Can You Get Both Medicare & Medicaid?

Medicaid is a joint federal state program that provides health coverage to people with limited incomes. Some people are Dual Eligible and qualify for both Medicare and Medicaid. To see if you qualify check with your local Medicaid office. You can also see the income requirments here https://www.medicaid.gov/medicaid/eligibility/medicaid-enrollees/index.html

Medicare Important Dates

Turning 65  – When you first become eligible for Medicare at 65, you have a 7 month window to enroll in a Part C and or Part D plan. 3 months before your birthday, your birthday month and 3 months after.

October 15th- December 7th: Medicare Open Enrollment Period (OEP)

This is one time of year you can make changes to your MedAdvantage and or Part D Prescription Drug plans for a January 1st effective date.

January 1st – February 14th: Annual Disenrollment Period (ADP)

During this time you can drop a MedAdvantage to return to Original Medicare. Part D Prescription Drug plans may be purchased if a drug plan was part of the dropped MedAdvantage plan.

Eligible due to disability – When you first become eligible for Medicare due to a disability, you have a 7 month window to enroll in a Part C and or Part D plan. 3 months before your 25th month of disability , your disability month and 3 months after.

Speak To Medicare Representative

If you think it’s just easier to speak with a Medicare representative, check out the profiles of Medicare Specialists

Start a Conversation

Tell us about your needs below. One of our experienced Producers will contact you within 1 business day to schedule a phone call to review your options.

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Disclaimer: This is a news feed and does not reflect the opinions of McGregor Benefits.

Millions Of Diabetes Patients Are Missing Out On Medicare’s Nutrition Help

On September 9, 2019

Health experts say the little-used benefit represents a lost opportunity for older adults to improve their health — and for the program to save money by preventing costly complications from diabetes aRead more

Watch: Five Things To Know About Hunger Among America’s Aging

On September 6, 2019

One out of every 13 seniors in America struggles to get enough food to eat while the federal program intended to help hasn’t kept pace with the graying population. KHN Midwest editor/correspondent LauRead more

Castro’s Attack On Biden For Blanking On His Health Care Plan Falls Flat

On September 13, 2019

It turns out the health care plans put forth by the campaigns of former Vice President Joe Biden and former Cabinet secretary Julián Castro are not that different.Read more

Breaking A 10-Year Streak, The Number Of Uninsured Americans Rises

On September 10, 2019

Census officials said most of the drop in health coverage was related to a 0.7% decline in Medicaid. The number of people with private insurance remained steady.Read more