Back in ’65, President LBJ got his pen out and made Medicare Part A & B a law, which we now know as “original Medicare”. This was only for folks 65 and above, but in ’72, Medicare stepped up to cover the disabled and those with nasty ailments like ESRD or Lou Gehrig’s disease.
Medicare in New York
Navigating Medicare in New York is like trying to find a needle in a haystack. With over 20 Medicare Advantage plans, 10 standardized supplement plans, and almost 20 stand-alone part D drug plans, it’s easy to feel like you’re drowning in a sea of information. And if you’re looking for answers online, good luck! New York is one of the chosen few guaranteed-issue states, which only adds to the confusion. But fear not, my friends! You can enroll in a Medicare supplement plan in N.Y. regardless of your health or age. Nice, huh? This is a major difference between New York and the rest of the country, and it’s worth knowing. And speaking of knowing, did you know that working with a local agent is a great way to save time and money while making sense of this Medicare madness? Trust us, it’s true.
Understand Medicare Plans in New York
Our agents know that to select the right coverage, you need to first wrap your head around original Medicare. Don’t fret, though- The Modern Medicare Agency and its staff will school you on all things A, B, C, and D. After that, we’ll show you how to compare plans so you can find the perfect match. Keep in mind, New York has a boatload of Medicare Advantage Plans- some counties boast 20 while others boast 50. Meanwhile, Medicare Supplement plans in N.Y. are priced under the community rating system and don’t require underwriting- which means your neighbor will pay the same rate as you!
Medicare Advantage Agent in New York
Looking to get all the perks of Medicare with a little extra oomph? Medicare advantage plans may be just the ticket! Essentially, these plans partner up with private insurers to cover everything that original Medicare does – and then some. That means you’ll also get the part D drug coverage you need, plus access to snazzy PPO, HMO, HMO-POS and PFFS networks. With 20+ plans to choose from in Smithtown, your friendly neighborhood Medicare agent is ready to help you find the perfect plan for your needs. No more guesswork, just easy-peasy insurance coverage.
Medicare Supplement Agent in New York
Got gaps in your Medicare coverage? Medigap/Medicare Supplement plans have got you covered! With 10 different plans, named after letters like it’s a sorority, these plans are standardized. That means if you sign up for Plan N with one carrier, you’ll get the same exact benefits as if you signed up with any other company offering Plan N. Lucky for you, New York is a guaranteed issue state, meaning no medical underwriting is required to enroll. But let’s not forget the fine print – guaranteed issue means higher premiums. So, before you commit to a plan, compare and shop around.
Medicare Part D Agent in New York
Want prescription coverage through Medicare? You’ve got two options: join a Medicare Advantage Plan or snag a stand alone Part D Plan. Private carriers who offer other Medicare plans usually offer Part D ones too. In the Big Apple, you’ve got nearly 20 Part D options to choose from. Now, don’t think each plan is the same. Nope. They all follow the Government’s standards but have different formularies. So before signing up for one, ensure your prescriptions are covered. Careful consideration is key! Luckily, The Modern Medicare Agency offers this vital service.
Benefits of Using a Medicare Agent
As a leading Medicare Agent in Farmingdale, NY, you get the benefit of choosing from a wide range of insurance providers.
With the ultimate goal of meeting your medical insurance needs for the best price, using a Medicare Agent you can complete the entire process from beginning to end with minimal fuss and effort. Your best interests remain at heart providing you with exceptional medical coverage for every eventuality.