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Mark Trumm Insurance Agency, Inc. | California Medicare Plans
Find out what Find out what Medicare Advantage, Part D Prescription Drug, and Medicare Supplement plans are available in Far Northern California region. Call us or fill out a short form and we’ll contact you. Mark Trumm has been recognized as a TOP agent in Butte County by local insurers! We will review your current prescription drug plan and compare your actual costs for the medications you take on a daily basis. Call Us Today or fill out this quick form HERE
If you are receiving Social Security, the Social Security Administration will automatically sign you up at age 65 for parts A and B of Medicare. (Medicare is operated by the federal Centers for Medicare & Medicaid Services, but Social Security handles enrollment.) Social Security will send you sign-up instructions at the beginning of your initial enrollment period, three months before the month of your 65th birthday.
First Things First About Medicare
One of the most important things to know about Medicare is who is eligible. Medicare is not dependent on your Social Security status. Your Social Security status may affect how you enroll and what you pay for Medicare but it does not disqualify you.
Out of a lack of knowledge, Many people make this mistake and delay their applications for Medicare. Don’t make mistakes that will cost you in late enrollment penalties later. Mark Trumm Insurance Agency is here to help you BEFORE you make a mistake.
Most people (those with 40 quarters of work or with spouses who qualify because of employment) qualify for Medicare because of age. If this is you, your first chance to sign up for Medicare is usually your Initial Enrollment Period. It starts three months before your 65th birthday, includes the month of your 65th birthday, and ends three months later. Most people don’t need to sign up; you’re automatically enrolled in Medicare if you’re already receiving Social Security or Railroad Retirement Board benefits when you turn 65.
You might qualify for Medicare before 65 if you’ve been receiving Social Security or Railroad Retirement Board disability benefits for two years. You’ll be automatically enrolled in Medicare Part A and Part B in the 25th month of disability benefits. You may also be eligible for Medicare at any age if you have amyotrophic lateral sclerosis (ALS, or Lou Gehrig’s disease) or end-stage renal disease.
Sign Up For Medicare On Time!
When you're first eligible for Medicare, you have a 7-month Initial Enrollment Period to sign up for Part A and/or Part B.
If you're eligible for Medicare when you turn 65, you can sign up during the 7-month period that:
- Begins 3 months before the month you turn 65
- Includes the month you turn 65
- Ends 3 months after the month you turn 65
If you need to manually enroll, you can do so (typically through Social Security) during your Initial Enrollment Period. You can also enroll in Part B and pay the premium at this time.
If you’re not automatically enrolled in Medicare Part B, you may enroll in Part B during your Initial Enrollment Period (IEP), described above. If you miss this enrollment period, then you may have other options for enrolling in Part B, such as the General Enrollment Period described below, but you may have to pay a late-enrollment penalty unless you already have medical insurance, called creditable coverage. Many people have creditable coverage through a group health plan provided by their employer. Read more about it HERE
Your next chance to enroll in Medicare is typically during the General Enrollment Period, from January 1 to March 31 each year. You can sign up for Medicare Part A and/or Part B during this time.
You may have to pay a late-enrollment penalty for Medicare Part B if you didn’t sign up when you were first eligible. If you aren’t eligible for premium-free Part A, you may owe a late-enrollment penalty for Part A as well. You usually get Part A without paying a premium if you worked at least 10 years (40 quarters) and paid Medicare taxes.
When can I buy Medigap (Medicare Supplement Policies) and (PDP) Prescription Drug Programs?
The answer to this question depends on a few factors. There is a lot to learn about this . We suggest you go HERE to read the details. Delaying may cost you in penalties and limit your choices.
Is Medicare Advantage the same as a Medicare Supplement?
No, it is not. If your area offers a MA Plan, it may be a cost-effective option depending on your health and prescription needs. You cannot have a supplement WITH a Medicare Advantage Plan. To read how this works click HERE
What if I delay because I have other coverage through an employer or government entity?
If you have Medicare along with other health insurance or coverage, each type of coverage is called a "payer." When there's more than one payer, "coordination of benefits" rules decide which one pays first. The "primary payer" pays what it owes on your bills first, and then sends the rest to the "secondary payer" (supplemental payer) to pay. In some rare cases, there may also be a third payer.
Click HERE to see a list of frequently asked questions and the rules that apply to Medicare with other health insurance on board.
Are there other enrollment periods?
Yes there are Special Enrollment Periods for special needs and circumstances not under your control. Click HERE to read about special circumstances and enrollment periods
What About Paying The Deductibles and Co-Pays for Services?
This is where a Medicare Supplement will help you. A Medicare Supplement Covers some extra costs you would normally pay and what is available depends on where you live.
These rules can make your head spin! Contact us and we'll guide you through the process and answer your questions.
(530)534-4600 and we'll talk about Medicare!
More Information From Medicare.Gov
Please read the information from medicare.gov below. I believe it will help you avoid some issues down the road.
“Generally, Medicare is available for people age 65 or older, younger people with disabilities and people with End Stage Renal Disease (permanent kidney failure requiring dialysis or transplant). Medicare has two parts, Part A (Hospital Insurance) and Part B (Medicare Insurance). You are eligible for premium-free Part A if you are age 65 or older and you or your spouse worked and paid Medicare taxes for at least 10 years. You can get Part A at age 65 without having to pay premiums if:
- You are receiving retirement benefits from Social Security or the Railroad Retirement Board.
- You are eligible to receive Social Security or Railroad benefits but you have not yet filed for them.
- You or your spouse had Medicare-covered government employment. Find out your eligibility below-
- If you (or your spouse) did not pay Medicare taxes while you worked, and you are age 65 or older and a citizen or permanent resident of the United States, you may be able to buy Part A. If you are under age 65, you can get Part A without having to pay premiums if:
- You have been entitled to Social Security or Railroad Retirement Board disability benefits for 24 months. (Note: If you have Lou Gehrig's disease, your Medicare benefits begin the first month you get disability benefits.)
- You are a kidney dialysis or kidney transplant patient.
While most people do not have to pay a premium for Part A, everyone must pay for Part B if they want it. This monthly premium is deducted from your Social Security, Railroad Retirement, or Civil Service Retirement check. If you do not get any of these payments, Medicare sends you a bill for your Part B premium every 3 months.”