We work exclusively with Medicare recipients and understand the needs and concerns of people going on Medicare.
Our office is conveniently located in West End Richmond. Comfortable, clean, and easy to find, feel free to stop-in! We believe in face-to-face connection, so we're happy to meet virtually as well via Zoom or Skype.
Don’t settle on cookie-cutter Medicare solutions. We service local medicare recipients in the Greater Richmond area, and their unique or specific needs.
your LOCAL medicare advocateS
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We suggest you start the process 6 months before turning 65. However, you can reach out to us any time you have questions. Some like to get an early start, while others like to wait until the last minute. Both are ok with us!
No, if you are covered by a credible coverage, typically someone’s current employment group plan, with more than 20 employees. If you are happy with your current coverage you do not have to sign up for Part A or B, but you may want to.
Yes, if you don’t have group coverage through current employment, or if you work for a company with less than 20 employees. You'll want to consider signing up for both.
Every situation is different. It would depend on a variety of variables, such as but not limited to your current coverage options, other people affected by your decision, the medicines you take, contributing to an HSA, etc. This is our specialty. Please call us, and we can guide you through the tough decisions.
No, if you have credible coverage. Basically, if you are currently employed and/or covered by a currently employed spouse's group insurance plan you will not be penalized.
Yes, if you don’t have group coverage through current employment. If you have an individual plan like the Affordable Care Act, or if you don’t have insurance at all then you will want to sign up for both A and B to avoid any future penalties. You would also want to sign up if you plan on being on a retiree group plan or Cobra for over 8 months after retiring.
Turning 65 and currently collecting Social Security, you will be automatically enrolled in both Part A and B. Your card should show up about 3 months before your birthday. If you don’t want Part A or B for some reason, then mail it back in the provided envelope.
Turning 65 and not collecting Social Security and don’t plan on doing so, you can fill out an application online, you can go to the Social Security department, or you can call us. We can come to your home first to help you decide if you should sign up, and then to start the sign-up process. We will also show you your Medicare insurance options and help you pick the best plan for you.
Over 65 and coming off a group plan you will need to take the IRS form L564 to your employer benefits person and have them fill out and sign their portion. You then need to take that form to your local Social Security department and clearly articulate when you want your Part B to start.
Part A. Covers inpatient hospitalization, skilled nursing, home health services, and hospice.
Part B. Covers medical procedures and tests, doctors’ appointments, ER visits, preventive services, and durable medical equipment, to name a few.
Part C. Also referred to as Medicare Advantage.
Part D. The Rx or Prescription drug plan.
These plans come individually or included with a Medicare Advantage plan.
A Medicare deductible is the amount you are responsible for before Medicare pays its 20%. These deductibles are annual.
Part AHospital deductible is $1,556.
Part B Medical deductible is $233 annually.
Part D Prescription Plan deductible is $480. This deductible will vary among carriers and programs; however, it can not exceed $480 and typically does not apply to generic medicines.