FAQ | Brian Benedict Medicare Insurance Agent

"Hey Brian"...

What is the FIRST thing you would recommend to those turning 65?
- At least by age 64, begin to educate yourself on Basic Medicare 101.
- Understand enrollment timelines to avoid lifetime penalties.

Why is my Auto & Homeowners agent unable to offer a Prescription Drug Plan?
- Many agents have a Health License but do not take the federal certification called (AHIP) America's Health Insurance Plans. Therefore, they cannot offer a prescription drug plan or Medicare Advantage Plans.
- PROBLEM
  - If you're only offered Medicare Supplements, you won't be able to compare coverages, benefits & pricing between Medicare Advantage Plans and Supplements.
  - If you do not enroll in a prescription drug plan when first eligible you may pay a lifetime penalty when you decide to enroll.

What is the difference between Medicare Supplements from places like Humana, United Health Care, Anthem and other insurance carriers?
- Nothing: Medicare Supplement plans (A, B, C D, F, G, K, L, M, N) are identical regardless of the insurance carrier you choose. The only difference will be price.

Can you get Medicare if you're under 65?
- Yes, under certain circumstances.
  - If you have been disabled for a minimum of 2 years and are on Medicaid & Medicare you may be eligible for a Medicare Advantage plan. It is called a "Dual Special Needs Plan".
  - If you have a certain chronic condition you may be eligible.