Without the help of a local licensed Medicare broker in New Jersey, it’s common to end up feeling lost. You may be wondering if you are eligible, exactly what it covers, and what your options are if you don’t want to fall into any gaps in coverage. We are here to help you navigate this […]
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Without the help of a local licensed Medicare broker in New Jersey, it’s common to end up feeling lost. You may be wondering if you are eligible, exactly what it covers, and what your options are if you don’t want to fall into any gaps in coverage. We are here to help you navigate this process at the Medicare Group. We represent many highly rated companies and can ensure you’re matched with the plan that’s going to fit your needs as precisely as possible. Trying to obtain a Medicare Advantage Plan in New Jersey and unsure where to start? At the Medicare Group, we have you covered.
Medicare Insurance NJ
You likely have a lot of questions about Medicare eligibility in New Jersey, like many residents in the local area. Medicare has many parts. If you are 65 or older and if you or a spouse has paid taxes into Medicare for at least 10 years you’re eligible for Medicare premium-free. Other people who may be eligible for Medicare are younger individuals with disabilities or those experiencing permanent kidney failure where transplant or dialysis are needed. You may also be able to buy into Medicare part A if you are 65 or over but have not paid taxes into Medicare while working under certain conditions. Making sure you’re not passing up any possible benefits is essential, but the confusion you might feel when it comes to eligibility for Medicare coverage New Jersey can make this difficult. Seeking out the expert help we’re able to provide at the Medicare Group first is a wise idea because of this.
Learn About Medicare Insurance in New Jersey with Prescription Drug Coverage
The Medicare Group is here to ensure you have an understanding of the different parts of Medicare coverage or a Medicare Advantage plan in NJ. A few examples include:
- Medicare Part A: Also known as traditional Medicare, this covers inpatient hospital stays, as well as hospice care, care in nursing facilities and various other choices for home health care.
- Medicare Part B: This is medical insurance covering outpatient care, services from doctors, and additional services that are not covered in Part A.
- Medicare Part C: Additionally known as a Medicare Advantage Plan in which the benefits offered by parts A and B are covered by a private company with federal approval.
- Medicare Part D: This can help you cover out-of-pocket costs related to a large number of prescription drugs.
- Medicare Part G: A Medicare Supplement Plan that is able to cover any out-of-pocket costs once your deductible has been met.
- Medicare Part N: Very low premiums and nearly comprehensive benefits are provided by this type of Medicare Supplement Plan.
Learn more about your different options Work with the Medicare Group as your local Medicare insurance specialist in New Jersey to find out more about the options available.
Medicare Special Enrollment New Jersey
When you’re in need of a local licensed Medicare agent serving New Jersey, the Medicare Group is here. Even if you have Medicare currently, you’re not capable of making any plan changes unless you experience something called a Qualifying Life Event.
Examples of a Qualifying Life Event include:
- Losing your present coverage
- Moving to a new location
- Your plan’s Medicare contract changes
Once a Qualifying Life Event occurs, you have the ability to adjust your current plan, which might include adding Medicare Supplement Insurance or switching to Medicare Advantage Plan. The Medicare Group is here to help if you’re ready to find the right choices for your long-term health when you need help with special Medicare enrollment near New Jersey.
Added Coverage with Dual Medicare Advantage Plans in NJ
Considering dental coverage through Medicare insurance is important if you need additional coverage. Medicare offers a significant amount of essential coverage, but you still might wind up with out of pocket costs if you stick only to parts A and B. This isn’t a supplement but a completely new plan. However, it offers extended coverage compared to Original Medicare (Parts A and B). If you are looking at Medicare Advantage Plans, there’s a large number of factors to consider, like:
- The rules for coverage may change from year to year
- Different plans come with different out of pocket costs
- There are different rules as far as non-urgent care among different plans
- Seeing a specialist may require a referral
Making sure you’re getting the right plan to start with is all the more essential because of this. If you’re looking for help making a choices when it comes to Medicare Advantage in NJ, the Medicare Group is here to help.
Do I Need Medicare Secondary Insurance in New Jersey?
Making sure you minimize your out-of-pocket costs is the reason you might need a plan for Medigap in New Jersey. A great deal of coverage is provided by Medicare. However, medical expenses are capable of being fairly high, which means even your remaining out-of-pocket costs can be rather high. When you are on a budget this is especially important consider. A Medigap plan can fill in these gaps to ensure you’re covered. Medigap is different from a Medicare Advantage Plan since it works with Original Medicare rather than taking its place. These plans come with benefits that are federally standardized. There are 10 different choices when it comes to Medigap plans, so it pays to have someone you can trust to help you make the right decision. Get in touch with us at the Medicare Group today to discover if Medigap as a licensed Medicare advisor in NJ in NJ is right for you.
Questions About Medicare Eligibility in NJ
If you have questions regarding Medicare coverage in NJ, we’ve got the answers you’re looking for at the Medicare Group. We’re here to help you get started.
Medicare Insurance In The News
