Turning 65? Call Trish at 203-799-2327 with your Medicare questions.

Specializing in Senior Insurance Solutions.
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    • Home
    • About Trish
    • Medicare
    • Individual & Group
    • Long Term/Disability/Life
    • Vision/DENTAL/TRAVEL
    • Blog
    • Contact Us
Specializing in Senior Insurance Solutions.
  • Home
  • About Trish
  • Medicare
  • Individual & Group
  • Long Term/Disability/Life
  • Vision/DENTAL/TRAVEL
  • Blog
  • Contact Us

Medicare

Turning 65 and New to Medicare?

Have a Medicare plan but not sure if it’s right for you?

Medicare can be confusing and overwhelming for most people. Instead of spending hours calling insurance carriers for quotes, let Trish Pearson Insurance LLC help you evaluate all of your options and enroll in the plan that’s best for you.


No Cost or Obligation to Enroll

Our FREE Medicare consultation and service will result in securing comprehensive benefits for you at the lowest rate. 


As a licensed Medicare expert, Trish Pearson Insurance LLC provides guidance to help you make an educated decision about your healthcare plan.  


We take the pain and fear out of the Medicare enrollment process and offer knowledge and clarity to help you find the plan that’s a fit for you.


Our Trusted Carriers

  • Aetna
  • Anthem
  • ConnectiCare
  • United HealthCare
  • SilverScript
  • WellCare 

Ongoing Support

Questions about plan benefits or need assistance with a claim? Trish Pearson Insurance LLC can assist with issues and save you hours on the phone. This service is included for all our clients. Support does not stop once the client is enrolled.  

How May I Help?

MEDICARE PART A

Most people are automatically enrolled at age 65


• Covers inpatient hospital care

• Skilled Nursing facility following hospital stay

• No premium, but deductibles range from a lump sum to a daily rate for in hospital stay or extended care facility

• Covers some home health care for up to 100 days – 20% cost share by patient for durable medical equipment

• Deductibles and co-insurance are paid by the insured.  

• In 2020, deductible = $1,364

MEDICARE PART B

Most people enroll at age 65 unless they are still on group insurance i.e. employer’s plan. Failure to enroll when eligible and not covered by other “creditable coverage” may result in a penalty.


After annual deductible of $197, pays 80% of medical and other services such as: 

• Doctors’ and practitioners i.e. chiropractors, psychologists, physical therapists, etc.  

• Clinical laboratory services 

• Outpatient hospital services 

• Home health care services 

• Health screenings and yearly “wellness” visit  


Monthly base premium = $145 but could be higher depending on income

MEDICARE PART C - MEDICARE ADVANTAGE

Helps to cover a large portion of the deductibles, coinsurance fees and prescriptions not paid under Medicare A or B.


Functions very much like “traditional health insurance” with small copays and sometimes modest deductibles.  Premiums are generally very low –sometimes $0. 

MEDICARE PART D - PRESCRIPTION DRUG COVERAGE

A Medicare prescription drug plan can help you manage the expenses associated with your medications.  Different types of prescription drug plans are offered by different insurers so premiums and deductibles for prescriptions will vary.
 

Federal regulations require that all Medicare recipients have a prescription drug plan. Failure to enroll within 60 days of turning 65 or not having “creditable” drug  coverage (usually group plan through employer) will result in a penalty being assessed that is permanent and deducted from social security check each month.  
 

 

Trish Pearson Insurance LLC has the answers to all your Medicare questions.  At no cost to you, we will research plans to find the best Medicare supplemental coverage for you.  
 

Call 203-799-2327 today for assistance.

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