All about Medicare

Turning 65 or newly qualifying for Medicare?

Here at CR Partners we can help you navigate the turning 65 world of Medicare and retirement with care as well as meticulously informing and advising on all healthcare decisions you may need assistance with.

Need help making a switch from a current plan?

If you’re already enrolled into Medicare we’re also happy to help you switch or shop your current plan to explore if you’re getting the best suited benefits currently as there might be room for improvement if desired.

Medicare 101

  • Medicare Part A serves as your hospital insurance covering inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

  • Medicare Part B is medical insurance, meant to cover certain doctors' services, outpatient care, medical supplies, and preventive services.

  • A Medicare Advantage Plans (Part C) are a type of Medicare health plan offered by a private insurance company that contracts with Medicare to provide Original Medicare (Parts A and B) benefits combining hospital, doctor and drug coverage in one plan, and may include extra benefits not offered by Original Medicare.

  • Medicare Part D Plans add prescription drug coverage to Original Medicare or another supplemental Medicare plans you may have excluding if you have Part C. These plans are offered by insurance companies approved by Medicare.

    Based on your set of prescriptions, our office can assist you in finding the Part D plan that’s right for you.

  • Our specialists are able to deep dive with you to assess which plan(s) would be best for your specific needs. Medicare plans are not one size fits all programs, having a guide is the best route for a smooth transition.

FAQs

Where do I start applying for Medicare?

If you’re turning 65, you can enroll three months prior to the day you turn 65. With our agency we assist throughout the process from setting up your Medicare portal to helping you explore your options for new benefits we can walk you through it all with informative suggestions and tips.

How do I know which plan is right for me?

It all begins with an evaluation of needs. First we would need your list of current doctors and prescription medications so we’re able to properly evaluate the coverage you require. Then we’d go over the suitable options available, with compatibility at the forefront, and find what plan would give you the best benefits.

How much will I have to pay monthly for insurance?

Depending on your needs, we first evaluate what pairing of benefits suits you best. HMO or PPO, Medicare advantage or Supplemental and Part D? These are question that can easily be answered with a short chat with the understanding of budget in mind.

Should I go with HMO or PPO?

The choice between an HMO (Health Maintenance Organization) and a PPO (Preferred Provider Organization) depends on factors such as network preferences, costs, coverage flexibility, and the need for referrals. HMOs offer a more restricted network, lower costs, and require referrals for specialist visits. PPOs have a broader network, higher costs, but greater flexibility to see specialists without referrals. With this we consider your healthcare needs, budget, and preference for provider flexibility when deciding between the two.


I lost my life insurance once I retired, what am I eligible for now?

Our office can help you explore purchasing an individual life insurance policy and customizing coverage based on your needs, age, and health. We can simultaneously help evaluate your specific financial situation and insurance needs, considering outstanding debts and dependents.

What about dental and vision Insurance?

Medicare generally does not cover routine dental and vision care. However, you have several options to address your dental and vision needs. Medicare Part C often offers a “bundle” including some dental and vision. We can help you also shop for stand alone insurance for these isolated specialties or locate add-ons available in your current plan at a discounted rate.

Let’s talk about Medicare

Interested in working together? Fill out some info and we will be in touch shortly! We can't wait to hear from you!