medicare

By Mary Krueger, Medicare Specialist

Many Medicare eligible participants are familiar with Medicare, but the process is confusing to them so we’re here to assist you with those issues. Here are the answers to some common questions.

Do I need to sign up for both Part A and B or just Part A? 

Whether you choose Part A, B or both depends on the plan you’re on, the benefits you’re looking for and if you have any spend down accounts that can be used. Checking all your options will save you money and find the coverage that suits your needs.

Is it really necessary to get a prescription drug program or can I skip it because I don’t use any prescriptions?

Great question! Even if you do not use any prescriptions, you are required to obtain credible coverage for prescription coverage. Without it, you will acquire a lifetime penalty.

I am already on a Medicare program. Is there any help you can give me?

Yes! We compare your coverages and costs. Perhaps you’ve moved and your new address has a favorable discount or you have increased needs for prescriptions; these issues and others are addressed either during your open enrollment period each fall or at your renewal. We do the shopping for you!

Click here to learn about income related monthly adjustment amount (IRMAA).

For help with your Medicare questions, contact Mary Krueger at 715.760.1350 or mary.krueger@wismedassure.org.

By Mary Krueger, Medicare Specialist

Before enrolling in Medicare, there are several decisions Medicare recipients need to make regarding their existing coverages or changes in their health insurance needs.

Typically, six months prior to becoming eligible (eligibility for Medicare may be because of disability or turning 65), it is a good idea to speak with a Medicare Specialist to establish an open dialog about what you want in your benefits and how much of your budget to designate for it.

Here are a few questions:

• Will I be in a network or have the freedom to choose where I go?
• What are the benefits of choosing a Medicare Advantage or a Medicare Supplement?
• Who will help me if I have a claim and don’t understand the billing?
• Will I need to get preauthorization for my surgery?

These are a few of the concerns that are voiced regularly. Medicare has been providing coverage since 1965. Plans have changed over the years and so have the benefits, which is why it makes sense to have someone who can walk you through these and many other issues with Medicare.

I have enjoyed helping in those decisions for more than 40 years, and it is my pleasure to assist in the decisions Medicare recipients make. Contact me at 715.760.1350 or mary.krueger@wismedassure.org.