Medicare Assistance
At Utah Insurance Advisors, our expert team can help educate you on the Medicare enrollment process and find what options may be best for you.
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What Is Medicare?
Medicare is a U.S. federal program designed to provide health insurance for individuals primarily aged 65 and older. The program was created to ensure that seniors, who often face numerous health challenges, receive necessary medical care without the burden of exorbitant costs. Medicare also serves individuals under 65 who have specific disabilities and people of all ages diagnosed with End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS, also known as Lou Gehrig’s disease).
Are You Eligible For Medicare?
Approaching 65 years old
Your Medicare enrollment window begins three months before your 65th birthday and extends three months after. Celebrate your milestone by ensuring you’re covered!
Already 65 years old or Older
You qualify if:
- You or your spouse have contributed to Medicare through your employment for at least 10 years.
- You’ve been a U.S. citizen or a permanent resident for a minimum of five years.
- You haven’t started collecting Social Security? No problem! You can still enroll in Medicare.
Under 65 years old with a Disability
You’re in if:
- You’ve maintained U.S. citizenship or permanent residency for at least five years.
- You are living with a disability or ESRD and have been receiving disability benefits from Social Security or the Railroad Retirement Board (RRB) for at least 24 months.
Medicare Parts
Understanding Medicare Components
Medicare Part A (Hospital Coverage)
It covers:
- Hospital inpatient stays and skilled nursing facilities.
- Hospice and respite care.
- Inpatient care in religious non-medical health care institutions.
Medicare Part B (Medical Coverage)
It covers:
- Routine doctor consultations.
- Outpatient treatments, including lab tests.
- Vital services not under Part A, like physical therapy.
- Select home health care provisions.
- Preventive care services.
- Essential medical equipment
While Medicare Parts A and B help to cover some of your health care costs, they won’t cover everything (like copayments, coinsurance, and deductibles). You may want to complement your Medicare coverage. That’s where Medicare Supplement Insurance Plans may be able to help.
Medicare Supplement Insurance
While Medicare provides a foundational level of coverage, there are gaps. Costs like copayments, coinsurance, and deductibles aren’t always covered under Parts A and B. This is where Medicare Supplement Insurance comes into play. And good news! Utah Insurance Advisors specialize in MAPD and
Supplemental health insurance options too.
Get Medicare With Utah Insurance Advisors
Whether you’re enrolling for the first time or seeking to understand your coverage better, our team at Utah Insurance Advisors is here to assist. With our expertise, navigating the intricacies of Medicare becomes a walk in the park. Reach out and let us simplify Medicare for you.