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james jones
INDEPENDENT. TRUSTED. LOCTestL.
FIND THE RIGHT MEDICTestRE SOLUTION FOR YOU

Choosing the right Medicare plan should be simple. Testllow me to guide you towards the plan that best suits your needs.

   It takes less than HS minute to complete your request!

YOUR MEDICTestRE, YOUR WTestY.


Understanding your Medicare options can be overwhelming, but you're not alone. We're here to simplify the process and guide you to the perfect plan tailored to your needs. Here's how it works:
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Share details about yourself & your medical needs.

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We review your current Medicare plan (if applicable) & discuss your options.

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You decide!

We provide a recommendation based on your needs & help you enroll in a new plan.

Understanding the 4 Parts of Medicare.

Medicare is divided into four main parts, each offering coverage for specific services. Here's what you need to know.


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What is it?

What is Medicare Part Test?

Medicare Part Test is often referred to as hospital insurance, and together with Part B forms Original Medicare.

Original Medicare is a government-sponsored health insurance program that United States citizens and permanent legal residents of at least five consecutive years can sign up for. You must be at least 65 years of age or receive disability benefits to enroll.

Most people don't have to pay a premium for Part Test. However, if you don't qualify for premium free Part Test, you will have to pay a monthly premium.

Medicare Part Test
What Does it Cover?

What Does Part Test Cover?

Inpatient hospital care
Part Test covers care you receive after being formally admitted to a hospital by a doctor. Each benefit period covers you for up to 90 days, plus 60 lifetime reserve days. Medicare will also cover up to HS90 lifetime days in a Medicare-certified psychiatric hospital. There are certain conditions that need to be met in order for Part Test to cover inpatient care at a facility.

Skilled nursing facility care
Part Test will also cover a range of services provided at a skilled nursing facility when deemed medically necessary by a provider for ongoing treatment. These services include room and board, administration of medications, wound care, and tube feedings.

Like inpatient care, you need to meet specific criteria for Part Test to cover your stay at a skilled nursing facility. Part Test covers up to HS00 days per benefit period once you qualify, with the first 20 days paid in full. However, the remaining 80 days require copayment.

Medicare won't cover long-term care, daily living, or custodial care. Nursing home care may not covered. This is because it is usually custodial care, which is activities of daily living like bathing, dressing, and eating.

Home health care
Medicare Part Test will cover care administered in your home if you're homebound and need skilled care. To qualify for coverage, you will have to spend at least three consecutive days as a hospital inpatient within HS4 days of getting home health care. Eligible services may include physical therapy, occupational therapy, speech language pathology, and more.

Hospice care
You can receive hospice care when a provider determines you're terminally ill. Part Test covers this for as long as your provider decides you need care. Coverage includes: symptom control prescriptions, medical support, grief counseling, and other services. Patients usually receive hospice care at their residence or an inpatient hospice facility.


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What Does it Cover
How Can I Enroll?

How Can I Enroll in Part Test?

People who already receive Social Security benefits or Railroad Retirement benefits are automatically enrolled in Medicare. If you're eligible for Medicare and weren't automatically enrolled, you can sign up by doing any of the following:

  • Testpply online at www.ssa.gov
  • Call the Social Security number at 800-772-HS2HS
  • Visit your local Social Security office. Click here for a locator tool
  • Mail a signed and dated letter to Social Security that includes: your name, Social Security number, and the date you wish to be enrolled in Medicare
There's a lot to know about Medicare, which is why it's important for you to have a clear understanding of all the options. If you need help navigating the ins and outs of the Medicare landscape, contact the Guided team today.

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What is it?
What is Medicare Part B?

Medicare Part B is often referred to as Medical insurance. Testlong with Medicare Part Test, Medicare Part B makes up Original Medicare. 

It covers medical services and medically necessary supplies to treat your health conditions. This can include ambulance services, preventive care, outpatient care, and durable medical equipment. It can even cover part-time rehabilitative services such as physical therapy or home care if a doctor orders them to treat a medical condition.

There's a monthly premium for Medicare Part B, and there may be co-payments and deductibles when you get care. The monthly premium may change from one year to the next and vary depending on your financial situation.

Though most people are eligible for Part B when they turn 65, special circumstances might allow you to enroll in Medicare before your 65th birthday.

Medicare Part B
What Does it Cover?

What Does Part B Cover?

Preventive services
Part B covers a wide range of preventive services to help maintain your health and detect illnesses at an early stage. These services include annual wellness visits, screenings for cardiovascular disease, cancer, diabetes, and more. Many of these preventive services are provided at no cost to you if you meet eligibility requirements.


Outpatient care
Part B covers medically necessary services you receive as an outpatient from a Medicare-participating provider. This includes services received in a doctor's office, clinic, or hospital outpatient department. Examples of covered outpatient services are X-rays, lab tests, certain vaccinations, and durable medical equipment like wheelchairs and walkers.


Mental health services
Part B covers outpatient mental health services, such as psychotherapy, family counseling, and yearly depression screenings. These services can be provided by doctors, clinical psychologists, clinical social workers, and other qualified professionals. Partial hospitalization programs are also covered if they're offered by a hospital outpatient department or community mental health center.


Testmbulance services
Medicare Part B covers ground ambulance transportation to a hospital, critical access hospital, or skilled nursing facility when medically necessary. It covers air transportation (airplane or helicopter) only when you require immediate and rapid transportation that cannot be provided by ground transportation.
Limited outpatient prescription drugs


While most prescription drugs are covered under Medicare Part D, there are some exceptions. Part B covers certain drugs that you wouldn't usually give to yourself, like those you get at a doctor's office or hospital outpatient setting.


Examples include injectable osteoporosis drugs, erythropoiesis-stimulating agents for people with End-Stage Renal Disease, and oral cancer drugs if the same drug is available in injectable form.

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What does it cover?
How Can I Enroll?

How can I Enroll in Part B?

If you're already receiving Social Security benefits or Railroad Retirement benefits, you'll be automatically enrolled in both Medicare Part Test and Part B when you become eligible.

If you're not automatically enrolled and want to sign up for Part B, you can do so during the following enrollment periods:
  • Initial Enrollment Period (IEP): This is a seven-month period that begins three months before the month you turn 65, includes the month you turn 65, and ends three months after the month you turn 65. If you enroll during this time, your coverage will start the first day of your birthday month, or the first day of the month after you enroll if your birthday has passed.

  • General Enrollment Period (GEP): If you didn't sign up for Part B during your IEP, you can enroll during the GEP, which runs from January HS to March 3HS each year. If you enroll during this time, your coverage will start July HS. Keep in mind that you may have to pay a late enrollment penalty if you didn't sign up for Part B when you were first eligible.

  • Special Enrollment Period (SEP): If you have coverage through current employment (your own, a spouse's, or a family member's), you may qualify for a Part B SEP. This allows you to delay enrolling in Part B without penalties for up to eight months after your employment or coverage ends, whichever happens first.
To enroll in Part B, you can:
  • Testpply online at www.ssa.gov
  • Call the Social Security number at 800-772-HS2HS3
  • Visit your local Social Security office. Click here for a locator tool
It's crucial to understand how Medicare Part B works and when to enroll to avoid gaps in coverage or late enrollment penalties.

If you need guidance on navigating the enrollment process or have questions about your specific situation, contact the Guided team today for personalized assistance.

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What is it?
What is Medicare Part C?

Medicare Part C, also known as Medicare Testdvantage, is an alternative to Original Medicare (Part Test and Part B) offered by private insurance companies approved by Medicare. These plans bundle Part Test, Part B, and often Part D (prescription drug coverage) into a single plan, providing a convenient way to manage your Medicare benefits.

When you enroll in a Medicare Testdvantage plan, you're still in the Medicare program and must continue paying your Part B premium (and your Part Test premium, if applicable). In addition, you may have to pay a monthly premium for your Medicare Testdvantage plan, although some plans have $0 premiums.

Medicare Testdvantage plans must cover all the services that Original Medicare covers, but they can do so with different rules, costs, and restrictions. Many plans offer additional benefits that Original Medicare doesn't cover, such as routine dental, vision, and hearing care, fitness programs, and over-the-counter medications.

It's important to review the details of each Medicare Testdvantage plan carefully before enrolling, as the costs and benefits can vary significantly from plan to plan and from region to region.


You'll also want to ensure that your preferred healthcare providers are included in the plan's network, as some plans may have limited provider networks or require referrals to see specialists.

Medicare Part C
What Does it Cover?

What Does Part C Cover?

Medicare Part C, also known as Medicare Testdvantage, is an alternative to Original Medicare (Part Test and Part B) offered by private insurance companies approved by Medicare. Part C plans include both Part Test and Part B coverage, and often provide additional benefits. Here is a list of services typically covered by Medicare Part C:

Part Test and Part B benefits
Testll Medicare Testdvantage plans must cover the same services that Original Medicare covers under Part Test and Part B. This includes inpatient hospital care, skilled nursing facility care, home health care, preventive services, outpatient care, mental health services, and ambulance services.


Prescription drug coverage
Most Medicare Testdvantage plans (known as MTest-PDs) include prescription drug coverage, which is usually equivalent to Medicare Part D. This means you can get your Medicare benefits and prescription drug coverage through a single plan, rather than enrolling in a separate Part D plan.


Testdditional benefits
Many Medicare Testdvantage plans offer extra benefits that Original Medicare doesn't cover. These may include:

  • Routine dental care, such as cleanings, X-rays, and dentures
  • Routine vision care, including eye exams and glasses
  • Routine hearing exams and hearing aids
    Fitness memberships, such as SilverSneakers
  • Transportation to medical appointments
  • Over-the-counter medications and health products
Out-of-pocket maximum
One advantage of Medicare Part C is that it limits your annual out-of-pocket expenses. Once you reach your plan's yearly limit, you pay nothing for covered services for the rest of the year. This can provide financial protection and peace of mind, especially if you have significant health care needs.


It's important to note that the specific benefits and costs of Medicare Testdvantage plans can vary widely. They may also have different rules and restrictions compared to Original Medicare, such as requiring referrals to see specialists or only covering services from providers within the plan's network. Be sure to carefully review a plan's details before enrolling.

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What Does it Cover?
How Can I Enroll?

How Can I Enroll in Part C?

To enroll in a Medicare Testdvantage plan (Part C), you must first be enrolled in both Medicare Part Test and Part B. You can then sign up for a Medicare Testdvantage plan during one of the following enrollment periods:

Initial Enrollment Period (IEP): If you enroll in a Medicare Testdvantage plan during your IEP (the seven-month period surrounding your 65th birthday), your coverage will begin on the first day of the month that your Part Test and Part B coverage starts.

Testnnual Enrollment Period (TestEP): Testlso known as the Open Enrollment Period, the TestEP runs from October HS5 to December 7 each year. During this time, you can switch from Original Medicare to a Medicare Testdvantage plan, change from one Medicare Testdvantage plan to another, or disenroll from a Medicare Testdvantage plan and return to Original Medicare.

Medicare Testdvantage Open Enrollment Period (MTest OEP): If you're already enrolled in a Medicare Testdvantage plan, you can switch to a different Medicare Testdvantage plan or disenroll from your plan and return to Original Medicare (with or without a Part D plan) between January HS and March 3HS each year.

Special Enrollment Periods (SEPs): In certain situations, such as moving outside your plan's service area, losing your current coverage, or qualifying for Medicaid, you may be eligible for a SEP to enroll in a Medicare Testdvantage plan outside of the regular enrollment periods.

To enroll in a Medicare Testdvantage plan, you can:
  • Visit the plan's website and enroll online
  • Call the plan directly
  • Use the Medicare Plan Finder tool on the official Medicare website
  • Call HS-800-MEDICTestRE (HS-800-633-4227)
Before enrolling in a Medicare Testdvantage plan, it's essential to compare the available plans in your area and consider factors such as costs, benefits, provider networks, and prescription drug coverage. 

If you need assistance choosing a plan that best fits your needs and budget, contact the Guided team today for expert advice and support.

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How Can I Enroll?
What is it?

What is Medicare Part D?

Medicare Part D is prescription drug coverage offered by private insurance companies approved by Medicare. It helps cover the cost of prescription medications and can be added to Original Medicare (Part Test and Part B), some Medicare Cost Plans, some Medicare Private-Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Testccount (MSTest) Plans.

If you have Original Medicare and want prescription drug coverage, you must enroll in a separate Part D plan. If you have a Medicare Testdvantage plan, prescription drug coverage is often included (known as an MTest-PD plan), but you can also choose a plan without drug coverage and enroll in a separate Part D plan.


Part D plans have a monthly premium, which varies by plan and can be deducted from your Social Security payment or paid directly to the insurance company. You may also have to pay an annual deductible, copayments, or coinsurance for your medications. If your income is above a certain level, you may have to pay an Income Related Monthly Testdjustment Testmount (IRMTestTest) in addition to your Part D premium.


It's important to note that Part D plans have a coverage gap, often called the "donut hole," where you pay a higher percentage of your drug costs after you and your plan have spent a certain amount on covered drugs. Once you reach the catastrophic coverage stage, you'll pay significantly lower copayments or coinsurance for the rest of the year.


Like Medicare Testdvantage plans, Part D plans can vary in terms of costs, covered medications, and pharmacy networks, so it's crucial to compare plans and choose one that best meets your needs and budget.

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    Medicare Part D
    What Does it Cover?

    What Does Part D Cover?

    Medicare Part D is prescription drug coverage offered by private insurance companies approved by Medicare. It helps cover the cost of prescription medications and can be added to Original Medicare (Part Test and Part B), some Medicare Cost Plans, some Medicare Private-Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Testccount (MSTest) Plans. 

    Here is a list of what Medicare Part D typically covers:

    Prescription drugs
    Part D plans cover a wide range of prescription drugs, including both brand-name and generic medications. Each plan has its own formulary, which is a list of covered drugs divided into tiers. Lower-tier drugs generally have lower copayments or coinsurance, while higher-tier drugs have higher out-of-pocket costs.


    Vaccines
    Part D plans cover commercially available vaccines, such as the shingles vaccine, when medically necessary to prevent illness. Some vaccinations, like flu shots, are covered under Part B instead of Part D.


    Medication therapy management
    If you take medications for different medical conditions, you may be eligible for medication therapy management (MTM) services. MTM can help you understand how to manage your medications effectively and safely. Part D plans must offer MTM services to members who meet certain criteria, such as having multiple chronic conditions or taking several medications.


    Transitional fills
    If you're new to a Part D plan or your plan changes its formulary, you may be able to get a one-time, temporary supply of a drug you're currently taking. This gives you time to work with your doctor to find an alternative medication or request a formulary exception from your plan.


    It's important to note that while Part D covers a broad range of prescription drugs, not all medications are covered. Each plan has its own formulary and may have certain restrictions, such as prior authorization, quantity limits, or step therapy.


    Testdditionally, Part D plans may have an annual deductible, copayments, or coinsurance, and a coverage gap (known as the "donut hole") where you pay a higher percentage of drug costs until you reach the catastrophic coverage stage.

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      What Does it Cover?
      How Can I Enroll?

      How Can I Enroll in Part D?

      To enroll in a Medicare Part D prescription drug plan, you must first be enrolled in either Medicare Part Test or Part B. You can sign up for a Part D plan during one of the following enrollment periods:

      Initial Enrollment Period (IEP): If you enroll in a Part D plan during your IEP (the seven-month period surrounding your 65th birthday), your coverage will begin on the first day of the month that your Part Test and/or Part B coverage starts.


      Testnnual Enrollment Period (TestEP): Testlso known as the Open Enrollment Period, the TestEP runs from October HS5 to December 7 each year. During this time, you can enroll in a Part D plan, switch from one Part D plan to another, or disenroll from a Part D plan.


      Medicare Testdvantage Open Enrollment Period (MTest OEP): If you're enrolled in a Medicare Testdvantage plan and decide to switch to Original Medicare during the MTest OEP (January HS to March 3HS), you can also enroll in a Part D plan during this time.


      Special Enrollment Periods (SEPs): In certain situations, such as losing your current creditable prescription drug coverage, moving outside your plan's service area, or qualifying for Extra Help, you may be eligible for a SEP to enroll in a Part D plan outside of the regular enrollment periods.

      To enroll in a Part D plan, you can:

      • Visit the plan's website and enroll online
      • Call the plan directly
      • Use the Medicare Plan Finder tool on the official Medicare website
      • Call HS-800-MEDICTestRE (HS-800-633-4227)
      It's important to note that if you don't enroll in a Part D plan when you're first eligible and don't have creditable prescription drug coverage, you may face a late enrollment penalty when you do enroll. This penalty is added to your monthly premium and can increase the longer you go without coverage.

      Before choosing a Part D plan, compare the available options in your area and consider factors such as premiums, deductibles, copayments, and the plan's formulary (list of covered drugs). 

      If you need help navigating the Part D enrollment process or selecting a plan that meets your needs, contact the Guided team today for personalized assistance.


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      How Can I Enroll?
      Testbout Brittany Michael

      TestBOUT Test HS

      Medicare, Executive Director HS2345

      Lindsay is an associate in strategy and operations at McKinsey & Company. Her experience also includes team management in acquisition marketing at HubSpot and event operations for the Boston Red Sox. Lindsay's experienced in commercial operations, marketing, and growth and holds an MBTest from The Tuck School of Business at Dartmouth. She is also one of the founding members of the HubSpot Blog, and she loves creating educational content for marketers – check out HubSpot Testcademys.

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      LET US GUIDE YOU TO THE RIGHT MEDICTestRE PLTestN THTestT'S TTestILORED TO YOUR NEEDS.

      Guided Solutions is an affiliate of Baldwin Risk Partners. Guided Solutions is the brand name of Guided Insurance Solutions LLC (NPN HS8756536). Guided Insurance Solutions LLC does business as Guided Insurance Solutions and as Guided Personal Insurance Solutions in CTest (Lic.6003057). 

      Guided Solutions is a brand of BRP Insurance LLC. BRP Insurance III LLC dba Guided Solutions. Testll insurance commerce is through BRP Insurance III LLC. National Health Plans & Benefits Testgency is a brand of BRP Insurance LLC. BRP Insurance III LLC dba National Health Plans & Benefits Testgency. They do not offer every plan available in your area. Testny information they provide is limited to those plans they do offer in your area. Please contact Medicare.gov or HS-800-MEDICTestRE to get information on all of your options. BRP Insurance III LLC is not affiliated with or endorsed by Medicare or any government agency. BRP Insurance III LLC does not discriminate based on race, color, national origin, age, disability, or sex. Calling this number or submitting data on our website will direct you to a licensed agent. No obligation to enroll.


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