We are glad you are turning 65 (<getting ready for Open Enrollment> during October). We at Ken’s Insurance Agency would like to take this time to reach out to you and talk to you. We understand Medicare and know that it can be scary with all the different options, and with all the different rumors flowing around. Ken’s Insurance Agency offers at no cost to you free education and can help you find the right policy(s) for your needs.
There are several parts to Medicare. Medicare Parts A, B, C, D, Supplement, and supplemental insurance. In future emails we will discuss each of these in more detail. These can be very tricky and confusing, so it is best to have a knowledgeable agent that will take the time to present everything to you, answer all your questions, and then to find the best solution for your budget and your specific needs.
Medicare is for certain disabled people and people in the United States that are turning 65 and 65 and older. If you are turning 65 Medicare won’t become active till you turn 65. Some parts of Medicare can be free if you have worked enough to earn the appropriate credits. Also, if you are disabled or your income is low enough you may qualify for Medicaid which will pay some of your Medicare Premiums.
Medicare does have deductibles, copays, and coinsurances for what it covers. It does not cover everything. Also, government workers including former Military may have Tri-Care. This is good and can help cover some of the out of pocket cost, but also does not cover everything. If you have Tri-Care and VA benefits you won’t need every part of Medicare, but you still need certain parts. The parts you do not need if you get can cost you your Tri-Care and VA Benefits. Some agents are not trained to know this so you need to find a good and trained agent so as to not get messed up. There are going to be holes in Medicare coverage no matter what coverage you have. Talk to a good agent to see if there are ways to plug these holes.
We can be reached Sunday through Saturday from 10 am till 10pm by phone at 6629123914. Ken’s Insurance Agency does operate on appointments and would be glad to meet you in our home/office, your home, or a public local place. It because of certain government regulations may take 2-3 appointments for us to complete everything but we will try to make it as few and as painless as possible. We appreciate you contacting us and scheduling an appointment.
MS, TN, AR, AL, LA, MI
Ken’s Insurance Agency, LLC
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4210 Highway 51 South ■ Hernando, MS 38632