At Take Command Health, we know all that mail you’re getting about Medicare might be overwhelming, but don’t fret. We can simplify the process, save you money and help you ensure a great outcome.
Take Command Health Medicare Advisors
What our users say…
Medicare was confusing and a little overwhelming for us. Lynn and Lucy helped put the decisions in terms we could understand and walked us through the process. It gave us a lot of peace of mind knowing that we had the chosen the best options available for our situation.
Lynn and Lucy were helpful, knowledgeable and comforting in the midst of a big and sometimes stressful decision.
What would I have done without you! As a widow whose husband used to make all these decisions, you were my guardian angels through this process! Thank you!
I dreaded going through the whole process of signing up for Medicare. I didn’t understand it and felt I was signing my life away. Lynn and Lucy took the fear out of the situation and replaced it with calm, easy-to-understand, informed guidance. You are life savers!
Take Command Health Guide to Medicare
There are 4 main parts to Medicare you need to know:
Medicare Frequently Asked Questions (FAQs)
Who is eligible?
Anyone turning 65 who has contributed at least 40 quarters (10 years) into the Social Security system, is eligible for Medicare beneﬁts, but you have to sign up for them.
When do I need to sign up?
You can sign up during a certain window of time around your 65th birthday. This window starts 3 months before your birthday month, includes the month of your birthday, and the 3 months after your birthday. For example, if you’re birthday is July 4th, then your window to enroll is April 1 through Oct 31st.
What if I'm still working and get insurance through my company?
If you continue to work past your 65th birthday and have employer insurance, you can always sign up for Part A for free and still keep your employer insurance. Your enrollment window won’t apply until you leave your company and
lose your employer’s coverage.
What happens if I don't sign up in time?
For each month you’re not enrolled in Medicare parts A, B, and D past your enrollment window, you’ll start to accrue a monthly ﬁne. Even if you do eventually sign up, the ﬁne stays with you for life. To enroll in a Medicare Supplement if you miss the deadline, you will be subject to medical underwriting and potentially higher premiums….so, let’s make sure we don’t miss the deadline!
What about all these ``advantage`` plans I hear about (Part C)?
Advantage Plans are often referred to as “Part C” (if you were wondering why that was missing above). They typically combine supplemental insurance and drug plans. Advantage plans have lower premium costs (sometimes as low as $0) but often have restrictions on the doctors you can see. If your retirement income is low, please email us and we can see if an Advantage Plan would be a better setup for you.
Take Command Medicare Check-List
(Yes, it’s really this easy!)
Hopefully you took our advice to throw-away all of the mail you’re getting. We’ve broken this down into 3 easy steps so you can confidently enroll and make sure you’re getting the best value for you!
Step 1: Parts A & B
Step 2: Supplement
Get a Supplement Plan
There are currently 10 types of supplement plans (A, B, C, D, F, G, K, L, M, and N) and dozens of companies that want to sell you their supplement plan. Here’s the thing: for each type, all of the plans have to cover the exact same things. The only diﬀerence is the premium in your area. So don’t fall for gimmicks or clever marketing.
The only question then is which type of plan should you choose? You can visit our website and we’ll break it down for you, but here’s the answer: Choose G.
Remember, you typically choose your supplement plan one-time and we’ve found that G provides the best value over-time for almost everyone.
Step 3: Drug Plan
Enroll in a drug plan (Part D)
Here’s a secret to save a ton of money: shop your Drug Plan each year!
Each year during open enrollment (Oct 15– Dec 7), you can change your drug plan. This is important because each year the drugs your plan covers will change and the drugs you take may change.
While this may sound like a headache, we make it easy! Visit our website to ﬁll out your drug list. We’ll search all the plans for you to ﬁnd the one that will provide the best coverage at the lowest cost. You can also save your list and we’ll send you reminders and automatically shop it for you again next year.