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Turning 65? Reviewing Your Medicare Options? Start Here.
Whether you're new to Medicare, comparing plans, reviewing your current coverage, or looking for extra help with costs, we're here to help you understand your options and choose coverage with confidence.
TURNING 65? START HERE.
✔ Understanding Medicare Parts A, B, C & D
✔ Comparing Medicare Advantage and Medicare Supplement
✔ Reviewing employer coverage when working past 65
✔ Local guidance from an independent licensed broker
✔ English and Tagalog Assistance
WORK WITH ROCHELLE
Licensed & Serving PA, NJ, NY, OR, and CA
Independent Broker and Owner of SureCare Insurance Services
✔ Independent Broker
✔ No-Cost Consultation
✔ Personalized Guidance
✔ Multiple Carrier Options
✔ Ongoing Support After Enrollment
✔ Serving English and Tagalog-Speaking Communities
✔ Free No Obligation Consultation With A Licensed Broker
NEW TO MEDICARE
NO NEED TO DO IT ALONE, WE CAN GUIDE YOU IN EVERY STEP
Are you approaching your 65th birthday? We’re here to guide you through the essentials of Medicare and its associated costs to ensure you’re fully prepared. If you plan to postpone retirement and continue working, we can evaluate your current group insurance coverage against Medicare options to help you make an informed decision. Let us assist you in confidently and seamlessly choosing the right coverage!
REVIEW & OPTIONS
TOO MANY PLANS TO CHOOSE FROM. LET'S FIND THE ONE FOR YOU!
We will thoroughly evaluate your health needs to ensure your current plan truly meets them. Are you fully benefiting from your plan without paying extra? Do you need additional coverage that your current plan lacks? Let us assist you in confidently and seamlessly choosing the right coverage!
MEDICARE & MEDICAID
YOU MAY QUALIFY FOR A SPECIAL NEEDS PLAN WITH EXTRA BENEFITS.
Are you on Medicare and enrolled in Medicaid? That’s fantastic! You might qualify for Special Needs Plans (SNPs) tailored just for you. Dual Special Needs Plans (DSNPs) provide coordinated care to enhance your healthcare journey. We’re excited to help you check your eligibility, explore various plans, and navigate the enrollment process smoothly. Let us assist you in confidently and seamlessly choosing the right coverage!
PLANS FOR VETERANS
MANY PLANS OFFER BENEFITS BEYOND VA OR TRICARE COVERAGE.
If you have VA health benefits or military retiree coverage, Medicare may provide additional coverage options outside of the VA or military health system. How the benefits work together depends on the type of coverage you have. Before making changes, it’s important to understand how Medicare may affect your existing benefits.
EXPENSIVE PRESCRIPTIONS
YOU MAY QUALIFY FOR PROGRAMS TO REDUCE PRESCRIPTION COSTS.
Medicare's Prescription Drug Coverage (Part D) is a fantastic resource designed to lighten the financial load of your medications! While it offers great assistance, it’s good to know that not all prescription costs are included. If you're on a limited income, you might be eligible for "Extra Help" to boost your benefits. Your health really matters, so take advantage of these valuable options!
MEDICARE 101
Flip through the guide to learn the basics of Medicare before choosing your coverage.
MEDICARE FAQ'S
Your Initial Enrollment Period generally lasts 7 months — beginning 3 months before the month you turn 65, including your birthday month, and ending 3 months after. If you have qualifying employer coverage, your enrollment timing may be different.
You can apply for Medicare Part A and Part B through Social Security online at SSA.gov, or contact Social Security for assistance.
It depends on your situation. If you're already receiving Social Security benefits before turning 65, you may be automatically enrolled in Medicare Part A and Part B. If you're not receiving Social Security benefits, you generally need to sign up. Some people with qualifying employer coverage may be able to delay Part B without a penalty.
Yes. Original Medicare includes Part A and Part B. However, Original Medicare does not include most prescription drug coverage and has no annual out-of-pocket limit for covered services. You may choose separate Part D drug coverage and/or Medicare Supplement (Medigap) coverage.
You could experience a gap in coverage and may owe late enrollment penalties. The Part B penalty is generally an additional 10% for each full 12-month period you could have had Part B but didn't. A Part D penalty may apply if you go 63 days or more without Medicare drug coverage or other creditable prescription drug coverage. Certain Special Enrollment Periods may allow you to enroll without a penalty.
Not necessarily. Retiree coverage and Medicare can work together in different ways depending on the employer or plan. Before enrolling in or delaying Medicare, check with your former employer or benefits administrator to understand how your retiree coverage coordinates with Medicare.
No. Medicare coverage is individual, not family coverage. Your spouse must qualify for and enroll in Medicare separately when eligible.
Medicare Part D provides prescription drug coverage. You can get Part D through a stand-alone Medicare drug plan or through many Medicare Advantage plans that include prescription drug coverage.
Medicare Part C is another name for Medicare Advantage. These plans are offered by private insurance companies approved by Medicare and provide your Part A and Part B benefits. Many Medicare Advantage plans also include Part D prescription drug coverage and may offer additional benefits.
Possibly. If you or your spouse are still actively working and you have employer group health coverage, you may be able to delay some parts of Medicare without a late enrollment penalty. The rules depend on the type of coverage and employer, so it's important to review how your employer coverage works with Medicare before making a decision.
Insurance companies may compensate licensed agents and brokers for enrolling and servicing eligible plans. There is generally no additional cost to you for working with a broker like SureCare Insurance Services.
SureCare Insurance Services provides personalized Medicare guidance based on your individual needs, doctors, prescriptions, budget, and coverage preferences. As an independent insurance broker, Rochelle can help you understand and compare available plan options so you can make an informed decision.
Get personalized answers to your specific situation.
Not Sure Which Option Is Right For You?
We'll review your situation, explain your options, and help compare available plans.
✔ Free No Obligation Consultation With A Licensed Broker
Independent Insurance Broker Serving in PA, NJ, NY, OR, & CA
MEDICARE RESOURCES
This is a solicitation of insurance. Agent is a licensed and certified representative of multiple Medicare Advantage and Prescription Drug plans each with a Medicare contract. Enrollment depends on contract renewal. Contact may be made by an insurance agent or insurance company. Not affiliated with or endorsed by any government entity or agency. "We do not offer every plan available in your area. Currently we represent several organizations which offer many products in your area. Please contact Medicare.gov, 1-800-MEDICARE (TTY: 1-877-486-2048), 24 hours a day, 7 days a week to get information on all your options." This is a proprietary website and is not associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov