Medicare vs Medicaid

Medicare vs Medicaid

Medicare? Medicaid? We hear about these programs all the time thinking they go hand in hand. Sometimes they do, sometimes they don’t, so let’s take a look and see how they work separately or together. In basic terms, Medicare and Medicaid are two separate...
What You Should Know about Medicare Disability

What You Should Know about Medicare Disability

The word “disability” is one we often hear these days. What exactly is a disability and what does it have to do with Medicare? A “disability” is defined as “a physical or mental condition that limits a person’s movements, senses, or activities” and “a...
Disenrollment Reminder: Are you Locked In?

Disenrollment Reminder: Are you Locked In?

A couple of months ago we talked about the OEP, or Open Enrollment Period, which is from January 1 to March 31 of this year. Remember this what we call the “disenrollment period”, and it means this is the time you can get out of or change your Medicare Advantage Plan....
Special Enrollment

Special Enrollment

Last month we reviewed what OEP means (Open Enrollment Period), or commonly called the “disenrollment period.” We mentioned special circumstances that would create or trigger a Special Enrollment Period (SEP), and as promised, that’s our topic for this month. To help...
Open Enrollment Period Or as We Like to Call It: Disenrollment Period

Open Enrollment Period Or as We Like to Call It: Disenrollment Period

Once again, Happy New Year everyone! We’ve enjoyed sharing information with you through our posts and blogs and we hope they have helped you navigate the Medicare Maze.  There are so many acronyms, abbreviations, terms and dates you need to know, it is impossible...
Turning 65 in the Next Year?

Turning 65 in the Next Year?

Where did the time go? Seems like you were just getting out of high school, and now your friends are talking up the 50th reunion in a few years. Geez!  So here you are,  on the cusp of the BIG 6 – 5!! And maybe even retirement. Congratulations! One thing...
Medicare and 2020

Medicare and 2020

The One Thing that is a certainty in life is death and taxes. And of course, the fact that everything costs more, right?  Social Security gives you a raise and Medicare take’s it back. Look, I know you’ve been bombarded with information about changes, and with...
Marriage and Medicare — Decisions for Retiring Couples

Marriage and Medicare — Decisions for Retiring Couples

Probably the last thing a young couple is thinking about as they stand at the alter is Medicare. Hopefully they’ll be fortunate enough to have sailed through the years leading up to retiring together.  We’re going to talk about things you need to consider as a...
Medicare Advantage Plans – The Nuts and Bolts

Medicare Advantage Plans – The Nuts and Bolts

When faced with having to make decisions that affect your healthcare AND your pocketbook the best approach is to start gathering information. When someone says “let me give you the nuts and bolts” of something you’re going to get information on how things work –...
Alphabet Soup – Defining Medicare Part A, B, C

Alphabet Soup – Defining Medicare Part A, B, C

If you are approaching age 65, then you’ve probably already received an overload of information on Medicare through ads, emails and the internet. It can be stressful when you know you have to make decisions on a variety of things and there are deadlines looming. We...
Getting Prescription Drug Coverage

Getting Prescription Drug Coverage

If you have Medicare, prescription drug coverage is an optional benefit. But be aware – if you don’t get a Medicare drug plan when you’re first eligible, you may have to pay a late enrollment penalty to join later on. Part D drug coverage is only available...
Gaps of Medicare

Gaps of Medicare

One of the most eye-opening facts about Medicare is how much it DOES NOT cover. Need dental services? Eye exams or eyeglasses? Hearing aids and fitting? Routine foot care? None of these items are covered by traditional Medicare Part A and Part B.  Additionally,...
Medicare vs Medicaid

What does the Annual Election Period (AEP) Mean?

By Gary Smith If you have Medicare, it is important to know about your options during the Annual Election Period, or AEP as we like to call it here at our agency! The Annual Election Period happens annually at the end of the year. This year the dates are October 15 to...
Retiring and How to get Medicare

Retiring and How to get Medicare

Retiring and How to get Medicare Sept 30, 2019 By Gary Smith Like everything else in the Medicare maze, when you retire and the options you have are quite confusing. First let me assure you will not pay a penalty or be delayed in your Medicare enrollment just because...
Should I sign up for Medicare?

Should I sign up for Medicare?

By Gary Smith The Medicare maze is very confusing especially if you plan to work past age 65. If this applies to you, listen up. If you work past age 65, and want to delay your Medicare, you must meet the following TWO-part rule. This rule also applies to your spouse....
How to Sign Up for Medicare 2019

How to Sign Up for Medicare 2019

By Gary Smith This is the first confusing issue seniors encounter when it comes to the “maze of Medicare.”  Of course, common sense would tell you to call Medicare to sign up for Medicare, right? Well, that would get you a big, “NO, wrong answer!” Thank you for...
We Put the CARE in Medicare!

We Put the CARE in Medicare!

The Gary Smith Agency has been serving seniors since 1970. We personally answer our phone and we return phone calls. ​ We explain your options in a way that you can understand your choices and help you pick a plan that works for you. ​ Our #1 goal is excellent...