Medicare Solutions for your HealthCare

Medicare can be complicated. We will help simplify it for you. Our expertise and main focus are in helping individuals with Medicare and Medicaid evaluate and explore all available healthcare options.


This positions you to make the absolute best decision for not only your healthcare needs, but also for your financial future.


Please contact us. We are here to walk you through it. We will be glad to help you!

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Medicare Basics

What Is Medicare?


Most people think of Medicare as health insurance for older people. But younger people who have certain disabilities or diseases can get Medicare, too.


Are you younger than 65?


You might be eligible for Medicare if you have:


  1. A long-term disability and have been on Social Security for more than 24 months
  2. End-stage renal disease
  3. Lou Gehrig’s disease



Are you 65 or older?

 

All U.S. citizens are eligible for Medicare when they turn 65. But what you pay for Medicare depends on your work history and income.

 

You can get Medicare Part A, or hospital insurance, with no monthly premium if you or your spouse have worked and paid Medicare taxes for at least 10 years. If you don't qualify to get Part A for free, you can still get it by paying a monthly premium. 

 

Medicare Part B helps cover medical costs. Everyone pays a monthly premium for Part B. The amount you pay depends on your annual income. People with higher incomes will pay higher monthly premiums for Part B. 

 

Legal permanent residents who are 65 and older are eligible if they’ve lived in the U.S. for five years in a row.

Medicare Dates & Timelines


Initial Enrollment Period

This includes the three months before, the month of, and the three months after your 65th birthday.


Annual Election Period
You can enroll in or change your Medicare plan from October 15 through December 7 each year.


Special Enrollment Period

You may be able to enroll in or change Medicare plans if you:


  • Lose employer coverage
  • Move to a new service area
  • Have Extra Help for your prescription drugs


If you are enrolled in a Medicare Advantage (Part C) plan, you have the opportunity to change your plan January 1 to March 31. (You can change your plan only once during this time period)


What Are The Four Parts of Medicare?


Medicare is a health insurance program that has four parts: A,B,C, & D


A-Hospital (original Medicare)

B-Medical (original Medicare)

C-Medicare Advantage (offered by private insurers; not the federal government)

D-Prescription Drugs (offered by private insurers; not the federal government


For each month you delay enrollment in Medicare Part D, you will have to pay a 1% Part D late enrollment penalty (LEP), unless you:


  • Have creditable drug coverage.
  • Qualify for the Extra Help program.


Medicare covers most services deemed "medically necessary," but it doesn't cover everything. 

Testimonials

 

"Miss Cheray helped my mother find insurance coverage that would better serve her needs. At first, we were not very satisfied with the plan. However, once we brought our concerns to Miss Cheray she personally took it upon herself to make certain our needs were met. She came to our rescue and everything ended up working out for the better. Since that time, Miss Cheray has checked on my mother's condition serveral times...that is Personal Service beyond belief. She isn't just there for the sell, she becomes part of your family"

 

Steve Killeen

"Cheray is a great rep that I highly recommend. She knows the insurance business and she is there when needed. She gets answers and will resolve problems. I won't use any other rep!"

 

CJ Arthur

"My experience with Cheray Scott has been very positive. She is customer oriented, knowledgeable about the products that she represents, and has good follow up skills. I'm very happy with her customer service."

 

H. McCartney

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Your Medicare Solutions

MEDICARE ADVANTAGE PLANS

 

Medicare Advantage Plans are a type of Medicare health plan offered by a private company that contracts with Medicare to provide all your Part A and Part B benefits. ... If you're enrolled in a Medicare Advantage Plan, most Medicare services are covered through the plan.

Medicare Advantage Plan

 

  • Generally lower premiums but has co-pays
  • May be restricted to network
  • May need referrals for specialist
  • May include extra benefits
    (vision, hearing, fitness)
  • Emergency services only outside service area

MEDICARE SUPPLEMENT

 

Medigap is Medicare Supplement Insurance that helps fill "gaps" in Original Medicare and is sold by private companies.

    Original Medicare and Medigap Supplement


    • Higher Premiums but no co-pay
    • Freedom to choose doctors
    • No referrals necessary
    • Some routine service not covered (vision, hearing)
    • Covered anywhere in the United States

    PRESCRIPTION DRUGS

     

    What is a prescription drug plan (PDP)?

     

    A prescription drug plan (PDP) is one option for individuals who want to enroll in the Medicare Part D prescription drug coverage, which subsidizes the costs of prescription drugs for enrollees. A prescription drug plan (PDP) is a stand-alone plan, covering only prescription drugs.

    Basic Medicare (again, parts A and B) does not cover prescription drugs, although:


    • You have the option of getting coverage when you first sign up for Medicare.
    • You can get this coverage either through a standalone prescription drug plan (Medicare Part D)
    • Or prescription drug plans are included in if you choice to join a  Medicare advantage plans

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    What if I do not chose to get part “B” of Medicare?

    If you choose not to buy part B and change your mind later, you'll pay a life-lasting penalty unless you meet certain exclusions (i.e., you receive acceptable coverage through a union or employer).

    What is the basic difference between Medicare Advantage Plans and Supplements?
    Do I need to sign up for Medicare if I am still working at 65?
    How can Medicare Advantage plans charge no or low premiums?

    IF YOU HAVE ANY QUESTIONS

    Contact Us

    Cheray Scott

    Licensed Medicare Consultant

    Phone:

    C: 214-518-4307

    Location:

    Grand Prairie, TX 75052

    E-mail:

    cheray@csinsurewise.com

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