Medicare Supplement

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Does Medicare Cover Hearing Aids? A Simple Guide for Seniors

As we get older, our hearing often starts to fade. You may notice everyone seems to mumble or your family members are always complaining about the tv volume. While this is a normal part of life, you may feel as if you’re missing out on important experiences. The simplest of activities can become tedious, and it can leave you feeling frustrated. Fortunately, thanks to advances in medical technology, you no longer have to suffer from your hearing loss. Today’s hearing aids work remarkably well, but they also come with a hefty price tag. Most Americans covered by Medicare might assume they can get hearing aids with minimal out-of-pocket costs — but does Medicare cover hearing aids?  Does Medicare Cover Hearing Aids? The Facts You Need to Know If you’ve noticed some problems with your hearing, you could take it upon yourself to have tests done and purchase hearing aids. However,…

How to Get Dental Coverage on Medicare

If you’re wondering how to get dental coverage once you’re on Medicare, look no further. Dental coverage is important when dealing with tooth decay, gum disease, receding gums and oral cancer. These are just four of the top dental problems experienced by older adults. Regular visits to your dentist help with prevention and early detection. This can save you pain and money down the road. In fact, the American Dental Association recommends visiting the dentist once or twice a year, if not more often. Luckily for those age 65 and older, dental coverage on Medicare comes with several options to protect both your oral health and your wallet. No Dental Coverage on Original Medicare Original Medicare – Parts A and B, don’t cover most dental services. Cleanings, fillings, tooth extractions, dentures, dental plates and other dental devices are 100 percent the responsibility of the patient under Original Medicare. Medicare Part…

What are Your Medicare Options at Retirement?

If you’re approaching retirement at age 65, now is the time to learn the basics of Medicare at retirement. To take full advantage of Medicare at retirement, take time to study your the different options. The more you know, the better you’ll manage health care costs in your retirement years. How to Enroll in Medicare at Retirement Most people are eligible for Medicare at retirement at age 65. Medicare enrollment steps depend on whether you currently collect Social Security or Railroad Retirement benefits. If you receive either, Medicare enrollment is automatic. If you don’t receive government benefits, you need to actively enroll in Medicare. For automatic enrollment, three months before your coverage begins, the government mails your Medicare card and a letter explaining benefits. If you’re turning 65 but do not receive Social Security or Railroad Retirement benefits, you need to actively enroll in Parts A and B. You have four options…

5 Ways to Save on Medicare Supplement Plans

Making sure your healthcare needs are covered in retirement is essential. There are a variety of factors to consider when it comes to Medigap coverage, also known as Medicare supplement plans. Use these tips to get the coverage you need while finding ways to save. Know Thyself With so much advice swirling around, it is easy to lose sight of what’s important. Your healthcare needs are about you. What works well for one person might be disastrous for someone else. Before you start to find ways to save on Medicare supplement plans, you need to understand your health history and your health insurance coverage needs. If you are someone who needs regular doctor visits now, you likely have concerns about out-of-pocket costs. Be realistic when it comes to the right coverage for you. In addition to carefully exploring your own medical history, think about the health history of your family,…

Top 7 Questions to Ask When Shopping for Medicare

Cake. Balloons. Medicare?! Your 65 birthday represents a milestone in your retirement. When you turn 65 it’s your golden opportunity to select a Medicare plan to meet your needs. Medicare may seem complicated at first glance, but it doesn’t have to be. The help of a knowledgeable SelectQuote agent removes uncertainty when shopping for Medicare. He or she will simplify the process for your current and long-term healthcare needs. When purchasing your Medicare plan, it’s important to consider the plan premium and the value it provides. “Think about your healthcare long term,” advised David Perlberg, a licensed SelectQuote insurance sales agent. “The first time you enroll at 65 is the only time when you can gain Medicare Supplement insurance with no questions asked. If you decide to change your plan down the road, you’ll need to qualify medically for supplemental insurance. Many people can’t get the insurance they desire at…

How to Plan for the Medicare Annual Enrollment Period

Every year, the Medicare Annual Enrollment Period (AEP) or Open Enrollment kicks off Oct. 15 and closes Dec. 7. Whether you are newly eligible for Medicare or already in a plan, you’ll want to consider several items in preparation for the enrollment period. We outline steps to help ensure you get the most out of your planning. Already Enrolled in Medicare? The Medicare Annual Enrollment Period is an important time for you. Before the AEP starts, it’s always good to review your current needs and anticipate what you might need in the coming year. Perhaps you now need prescription drug coverage. If your current coverage is not providing everything you need, you can now modify your plans for next year. Or conversely, maybe you obtained services this year that are no longer of value. The AEP provides an opportunity to drop or switch plans. Furthermore, Medicare health and drug plans could…

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