Frequently Asked Questions
In this section of our site, we provide answers to several questions we often hear.
While we do our best to make certain these are accurate; there always remains the possibility your unique situation is different than the typical scenarios we are outlining. If you have any questions or are ready to get enrolled please...
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It is true that there are financial penalties sometimes with Medicare. However, it’s very important to know if and when those penalties would occur and how to avoid them.
Depending on the number of employees your company has, you may be able to waive Medicare Part B without any penalties, stay on your group insurance, and enroll into Medicare at a later date saving you thousands of dollars per year. But many group policies have become more expensive over the years and depending on your out-of-pocket costs, it may be beneficial for you to start Medicare as soon as possible.
Our team can help you compare your options.
There are several Federal and State programs available for people who have limited income.
A program called the Medicare Savings Program that is ran by Medicaid could not only pay that monthly Medicare cost, it could also help you with copays and deductibles.
There is also a Federal program called Low Income Subsidy that is ran by Social Security that helps pay for prescription drug costs. Our team understands the income requirements for those programs and can assist you with applying for them.
Typically, once a person is approved for Social Security Disability they will be eligible for Medicare two years after they first applied for disability benefits.
Some conditions like ALS will award Medicare to an individual immediately without having to wait two years. Medicare for a person under the age of 65 has the same benefits as a person 65 or older.