Medicare: the best health insurance for seniors


“Ignorance of the law (including Medicare rules and regulations) may be very costly due to mandatory penalties if the Medicare eligible person does not act on a timely manner!”  – The Author

If you have opened your TV since last month thru the first week of December, you would have seen the massive ads of dozens of insurance companies — like United Health Care, Humana, Kaiser, Scan, Aetna, Anthem/Blue Cross, just to name a few — about Medicare’s annual Open Enrollment Period that started October 15 and ending December 7, 2017.

If you or anyone in your family is almost 65 or older, you should read and learn at least the basics of Medicare. In my experience, since I turned 65, the vast majority of seniors do not really know much or understand the many complex rules and regulations about Medicare and how to maximize the many benefits that they are legally entitled to.  After many years of working and paying your Social Security or FICA taxes, it is just right and fair that seniors should get what they have paid for, both Part A and Part B of Medicare. And for most, they should also consider enrolling in a Medicare Advantage program that is offered by insurance companies to enhance the benefits of the original Medicare.

What you do not know and not do on a TIMELY manner may be very costly because of penalties that will be added to your Part B or D Medicare premiums.  I have seen many seniors suffered financially for these penalties imposed by the Center for Medicare Services (CMS), the federal agency that implements the Medicare program.

For a start, any senior (65 or older) or any “legal guardian” of any senior or even below 64 but on disability for at least 24 months, or those with ESRD (End Stage Renal Disease) are eligible to apply for Medicare.  For those who do not have enough employment credits (10 years or 40 quarters) may also be able to apply under Medicare-Medicaid program.

As a certified health insurance consultant, certified by several insurance companies contracted by Medicare, I can, without any obligation, guide those who will contact me by e-mail, Facebook or phone call; if they need some professional information to guide them.  To protect this vulnerable segment of seniors, the federal government through CMS forbids many things that agents cannot and should not do, like cold-calling seniors. Ethical health insurance professionals cannot just approach any senior and talk to them, without any prior Scope of Authority to do so.

Before you turn 65, the senior must start researching and understanding some basics of Medicare, such as:

•  When you should apply for Medicare Part A, B, C or D.

•  If you are eligible for the Low Income Subsidy.

•  About Medicare Advantage Plan, MedSupps, Prescription Drug Plan, Medigap, etc.

• If you’re eligible for Medi-Cal to help pay for your premiums or drug prescriptions.

•  Even younger than 65 years old, persons with disabilities or ESRD may be eligible for Medicare, and many other important information that you must know.

Our field marketing organization as well as our insurance carriers, as a public or community service often offers educational events so that the public can be informed and educated what suitable programs are best for them.

We have a very informative, concise Medicare pamphlet that I can give to interested seniors.  Call or e-mail me and I will send one to you o answer any of your Medicare questions, without any obligation. October 15 to December 7, the annual open enrollment period, has arrived.  Hence, you should call or e-mail me NOW and make an appointment, if necessary.

ernie.delfin@gmail.com/(714) 746- 3088

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Email: ernie.delfin@gmail.com

Website: www.gkerc.org 

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