lashondafletcherinsurance.com

COVID-19 INFORMATION

We are open and committed to serving all your Medicare and Life Insurance Needs. Currently, due to COVID-19 we have our office closed to any walk-in business in order to minimize risk for our senior population.  We continue to operate during our regular business hours Monday-Friday by appointment only.  We are available by phone and have the capability to take care of most if not all of your insurance needs.  Please contact our office at 912-292-4466 for the latest updates.

Medicare Part B

Medicare is a health insurance program administered by the federal government, providing health insurance coverage to people who are 65 years of age or older, under age 65 with certain disabilities and at any age with End-Stage Renal Disease (ESRD – permanent kidney failure requiring dialysis or a kidney transplant).

MEDICARE Part B (Medical Insurance)

You are entitled to receive Medicare Part A on the first day of the month you turn 65. In most cases, it’s free. You usually won’t pay a premium for Medicare Part A if you or your spouse paid Medicare taxes for at least 10 years while working.

In most cases, you will automatically be signed up for Part A. If you haven’t met the requirements for Part A you may be able to buy Part A for a premium.

Part B coverage offers medically necessary doctor’s services, outpatient care and most other services that Part A does not cover. These may include physical or occupational therapies and some home health care services.

Part B also covers some preventive services. Though many services and products are covered, keep in mind that Part B is still not a complete insurance coverage plan. Original Medicare (Part A and Part B) covers many health care services and supplies; however, there are many costs (“gaps”) it doesn’t cover.

If you already get benefits from Social Security or the Railroad Retirement Board (RRB), you may be enrolled automatically in Part B, effective the first day of the month in which you turn 65. You also may be eligible for Part B if you are disabled, or, in certain situations, if you have end-stage renal disease (ESRD).

Be mindful, however, that if you don’t sign up during your initial enrollment period, you may have to pay a late enrollment penalty. Medicare Part B premium levels are set each year by the Centers for Medicare & Medicaid Services (CMS), and vary based on your annual income. If you choose only Original Medicare, you pay an annual deductible, after which Medicare will begin to pay for Part B services.

 

We stay up to date on the ever-changing world of senior benefits and offer annual policy reviews for your peace of mind.

Medicare Part B Covered Services:

  • Office visits to a primary care physician or a specialist
  • Some preventive services, such as flu shots and mammograms
  • Laboratory costs, including blood work and X-rays
  • Medical equipment, such as wheelchairs and walkers
  • Outpatient physical therapy
  • Mental health care
  • Ambulance services
  • One initial “Welcome to Medicare” physical exam with subsequent annual “Wellness Exams”
  • Home Health Care Services: medicare approved service, medically necessary skilled care services and medical supplies.

Are you struggling to make sense of your Medicare options?

Our guidance will make picking the right plan easy. Guaranteed.