A good time to reach out to us is 5-6 months before turning 65 so that we can direct you to items that need to be done in preparation, including contacting Social Security, if necessary. The entire process has timelines to keep in mind. Missing one can mean loss of an opportunity or adding significantly to the cost of your coverage.

As an independent agent, we represent numerous insurance companies that provides us access to a broad range of plans that we can sell to meet specific client’s needs. Unlike agents who are employed solely by one insurance company and their plans, we help our clients learn about the ins and outs of Medicare, meet deadlines, and keep them from making costly mistakes. As independent agents, our services are also offered at no cost to our clients. This is possible because our compensation is provided by the insurance companies we represent.

Medicare Advantage plans, offered by insurance companies, are all inclusive plans required to provide the same Part A and Part B benefits as Medicare with additional benefits at more competitive pricing. These plans also provide a cap on your financial obligation for your out-of-pocket medical costs within a calendar year.

Some commonly offered additional benefits in Medicare Advantage plans include vision care with money toward glasses and contacts, dental services, hearing exams and hearing aids, over-the-counter benefits, and include prescription drug coverage within their plan. 

Working with The Barfield Alliance will help you to determine whether Medicare Advantage is the best choice for you.

You might be wondering if you might need Medicare Supplement insurance. This is an understandable question that many of us have asked. Medicare Supplements are often referred to as Medigap coverage. Medicare Supplements are optional, however, generally worth it, especially if you have current costly health issues. A Medicare Supplement plan fills the 20% gap in your medical coverage left by Original Medicare thereby taking out that sizable risk. And it takes care of things like co-payments and co-insurance. However, there is a timeframe that needs to be met to qualify for a Supplement when you have issues with your health. As you can see. Medicare Supplements can be a confusing topic if you do not understand the ins and outs. That’s why we are here for you. Give us a call today.