WHO WE ARE

Book a free consultation with one of our licensed Medicare specialists in your state and see how we can provide help to you or your loved ones. This is a solicitation of insurance. A licensed agent/producer may contact you. Medicare Enrollment Center™ is a registered Trademark and DBA of Legacy Life & Health Planning Solutions, LLC. Medicareenrollmentcenter.org is not connected with or endorsed by the United States government or the federal Medicare program.

MEDICARE PART A

Is health insurance offered by Federal Government to US citizens and legal immigrants who are in US for last 5 years and who are age of 65 and older and to some people under age of 65 with certain disabilities.

MEDICARE PART B

covers medically necessary services and supplies needed for the diagnosis or treatment of your health condition. This includes outpatient services received at a hospital, doctor’s office, clinic, or other health facility.

MEDICARE PART C

They are Medicare-approved private health insurance plans for individuals enrolled in Original Medicare, Part A and Part B. When you join a Medicare Advantage plan, you are still in the Medicare program and must continue paying your Part B premium.

MEDICARE PART D

As a Medicare beneficiary, you don’t automatically get prescription drug coverage. This Medicare Part D coverage is optional, but can be valuable if you take medications. If you don’t sign up when you’re first eligible, you might have to pay penalty.

OUR SERVICE

We represent only the highest quality products from the most respected insurance carriers. All products and plans are approved by CMS (The Centers for Medicare and Medicaid Services) as well as the Department of Insurance in your State.

WHAT'S MEDICARE SUPPLEMENT INSURANCE (MEDIGAP)?

A Medicare Supplement Insurance (Medigap) policy, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medigap policy pays its share.
A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.

8 THINGS TO KNOW ABOUT MEDIGAP POLICIES

  1. You must have Medicare Part A and Part B.
  2. If you have a Medicare Advantage Plan, you can apply for a Medigap policy, but make sure you can leave the Medicare Advantage Plan before your Medigap policy begins.
  3. You pay the private insurance company a monthly premium for your Medigap policy in addition to the monthly Part B premium that you pay to Medicare.
  4. A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you'll each have to buy separate policies.
  5. You can buy a Medigap policy from any insurance company that's licensed in your state to sell one.
  6. Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can't cancel your Medigap policy as long as you pay the premium.
  7. Some Medigap policies sold in the past cover prescription drugs, but Medigap policies sold after January 1, 2006 aren't allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D).
  8. It's illegal for anyone to sell you a Medigap policy if you have a Medicare Medical Savings Account (MSA) Plan.

MEDIGAP POLICIES DON'T COVER EVERYTHING

Medigap policies generally don't cover long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing.

INSURANCE PLANS THAT AREN'T MEDIGAP

Some types of insurance aren't Medigap plans, they include:

Medicare Advantage Plans (like an HMO, PPO, or Private Fee-for-Service Plan)

Medicare Prescription Drug Plans

Medicaid

TRICARE

Employer or union plans, including the Federal Employees Health Benefits Program (FEHBP)

Veterans' benefits

Long-term care insurance policies

Indian Health Service, Tribal, and Urban Indian Health plans

DROPPING YOUR ENTIRE MEDIGAP POLICY (NOT JUST THE DRUG COVERAGE)

If you decide to drop your entire Medigap policy, you need to be careful about the timing. For example, you may want a completely different Medigap policy (not just your old Medigap policy without the prescription drug coverage), or you might decide to switch to a Medicare Advantage Plan that offers prescription drug coverage.
If you drop your entire Medigap policy and the drug coverage wasn't creditable prescription drug coverage or you go 63 days or more in a row before your new Medicare drug coverage begins, you have to pay a late enrollment penalty when you join a new Medicare drug plan.

TO GET IN TOUCH PLEASE CALL US NOW AT 1-888-308-8337 FOR MORE INFORMATION

Legacy Life and Health

MEDICARE ENROLLMENT CENTER™

Your better care stars with (MEC™) our expert licensed insurance agents are here to help you make the best decision you need for your health.

TESTIMONIALS

WHAT IS MEDICARE

Medicare is a federal program, managed by the Centers for Medicare & Medicaid Services. It provides health insurance to eligible United States citizens and permanent residents of five or more years. You’re eligible for Medicare if you’re 65 or older, or under 65 with certain disabilities. You may also qualify for Medicare, regardless of age, if you have end-stage renal disease requiring dialysis or a kidney transplant, or amyotrophic lateral sclerosis (also known as Lou Gehrig’s Disease).

MEDICARE SUPPLEMENT (MEDIGAP) INSURANCE

A Medigap policy is health insurance sold by private insurancecompanies to fill gaps in Original Medicare coverage. Medigap policies can help pay your share (like coinsurance, copayments, or deductibles) of the costs of Medicare‑covered services.

MEDICARE PART C (MEDICARE ADVANTAGE PLANS)

Medicare Advantage plans are sometimes referred to as Medicare Part C. They are Medicare-approved private health insurance plans for individuals enrolled in Original Medicare, Part A and Part B. When you join a Medicare Advantage plan, you are still in the Medicare program and must continue paying your Part B premium.

DENTAL, VISION, AND HEARING PLANS

Many seniors pay large out of pocket expenses for specialized care by optometrists, ophthalmologists, and audiologists, and even for routine care by their local dentists. Other seniors have depended on costly health plans to help cover these costs—often wondering whether the high costs of their plans were indeed worth the coverage the plans provided.

WHAT IS FINAL EXPENSE INSURANCE?

A Medigap policy is health insurance sold by private insurancecompanies to fill gaps in Original Medicare coverage. Medigap policies can help pay your share (like coinsurance, copayments, or deductibles) of the costs of Medicare‑covered services.Final expense insurance is an insurance policy used to pay for burial expenses and funeral services when the named insured dies. Such a policy helps ease the financial burden placed on a family when a loved one dies.
​ Final Expense insurance is a basic issue life insurance policy that covers people until they reach 100 years old. It is quite similar to universal life insurance and is sometimes referred to as graded life or burial insurance with easy issue permanent coverage.
As an inexpensive insurance choice, final expense coverage can be used to cover the funeral and burial costs of the policy holder. Most people who do not want to place a hardship or burden their families with these burial and funeral costs will take out burial insurance polices.

TO GET IN TOUCH PLEASE CALL US NOW ON 1-888-308-8337 FOR MORE INFORMATION

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