Confused about Medicare?

New to Medicare?

Medicare can be confusing for many people – for instance, often people do not realize that Original Medicare does not cover all of their medical expenses - there are out of pocket costs that can really add up with deductibles, copays and coinsurance. There are a variety of plans available to help protect you from these costs, including Medicare Supplement (Medigap) or Medicare Advantage plans. And, you need to purchase Part D prescription drug coverage to avoid paying a penalty later on.

If you are approaching your 65th birthday, it is very likely you have been receiving information from a variety of health insurance companies about their plans – understanding the differences can be a challenge, there are so many options to choose from and there is no one size fits all.

As an independent health insurance agent, I represent several Medicare plans and I can help you understand your options so you can find the coverage that is right for you. You are not charged a fee to work with an independent agent; I earn commissions from the insurance companies and my goal is to help you find the plan that best meets your needs.

Before I or any agent can work with you, you must have your Medicare card that indicates the effective date of your Hospital (Part A) and Medical (Part B) enrollment. There are three ways you can enroll:

• By Phone: Call Social Security toll-free at 1-800-772-1213 (TTY 1-800-325-0778).
• In Person: Take proof of your age and W-2 forms for the past two years to any Social Security office. Your local phone directory will list the office location nearest you.
• Online: Apply online at www.ssa.gov.

If you have questions, or if I can be of assistance to you, please call me at (206)569-5415 or send me an email to loy@sudergroup.com. I’m happy to select the plan that will meet your unique needs.