When you are new to Medicare
Your choices can seem confusing. When you are still working, paying for employer insurance, have not reached full retirement age and not drawing social security cash benefits, should you sign up for Medicare? If you do not sign up for Medicare, you have heard there is a penalty? When you are on your spouse's employer insurance, should you sign up for Medicare? What are the costs? How do you decide? When you are uninsured and looking forward to Medicare insurance, how do you decide to use your Medicare? Do you want a supplement or Medicare Advantage? What is the difference? No matter what circumstance you find yourself, trusted advisors at D J Insurance Services, LLC will lay out your options so you can make a good decision for yourself.
When you already have Medicare
Your choices can seem confusing. Should you continue using your Medicare the same way, or try a different option? Do you want reasonable co-pays, or do you want to pay for a supplement? What is the difference? Maybe you need services that Medicare does not cover, like dental, vision or hearing - are their Medicare plans that cover these kinds of services? No matter how you look at your situation, it would be a pleasure to have a trusted advisor to explain the options so you can make a great decision for yourself. That is what advisors at D J Insurance Services, LLC will provide for you. Not to sell you something you do not want or need, but to lay out options so you can make the right choices for yourself. Whether you are turning 65 years of age or a seasoned Medicare recipient, trusted advisors at D J Insurance Services, LLC will provide access to the carriers you need in order to make an informed decision from many Medicare options. We offer trustworthy guidance and solid expertise that Medicare recipients can trust, when making one of the most important decisions regarding their healthcare coverage.
Understanding the A, B, C's of Medicare Part A (Hospital Insurance)
- Inpatient care in a hospital
- Inpatient care in a skilled nursing facility
- Hospice Care
- Some home health care
Part B (Medical Insurance)
- Services from doctors and other health care providers
- Outpatient care
- Home health care
- Durable medical equipment
- Many preventive services
Part C (Medicare Advantage)
- "All in one" alternative to Original Medicare. These "bundles" plans include Part A, Part B and usually Part D
- Plans may have lower out-of-pocket costs than Original Medicare.
- Most plans offer extra benefits that Original Medicare does not cover - like vision, hearing, dental and more
Part D (Prescription drug coverage)
- Helps cover cost of prescription drugs (including many recommended shots or vaccines)
Committed To You
D J Insurance Services, LLC has helped to fulfill the insurance needs of countless Medicare recipients for many years. We are dedicated to finding the most suitable Medicare plans to meet each client's unique needs. Whether you need a Medicare Supplement or Medicare Advantage or Prescription Coverage, consult with our agents to discuss your options. Your trusted advisors at D J Insurance Services, LLC will work tireless for you. With the "Initial enrollment periods", and the "Annual enrollment period", and yes - the "special enrollment periods"; it can exhaust the average Medicare recipient.
Not to mention the late enrollment penalty when a Medicare recipient does not have credible coverage for prescriptions. What constitutes credible coverage? Or when you delay signing up for Part B, did you have credible coverage in lieu of Medicare. At D J Insurance Services, LLC we could not imagine charging anyone with a penalty, however Medicare does. We all have enough to think about these days. Don't let your Medicare decisions overwhelm you. We want to make it simple for you. Call to speak to a trusted advisor at D J Insurance Services, LLC without delay.