Educate and Inform
- Medicare Basics
- Prescription costs and the Coverage gap (doughnut hole)
- Open enrollment and other election periods
- Medicare Advantage vs Medicare Supplement
OUR APPROACH
Do you recall the trips to your mailbox when you were about to turn 65? Our guess, you were getting flooded with Medicare related letters and brochures. There is so much information out there, it can become overwhelming. NBG is here to support and guide you through every step of the process. Call us today for a free consultation.
Learn about YOU
- Current and past doctors
- Medications
- Any foreseeable procedures/hospitalizations
- Coordinating other health insurance options (VA, employer, Workers Comp,etc)
- What do YOU expect from your health plan?
Explain impact of State/Federal programs you may be eligible for
- LIS/Extra Help
- NY State EPIC
- Medicaid
- Medicare Savings Program (cost of part B)
Recommend the plan that best fits YOUR current situation
- Walk you through enrollment
- Follow up to make sure all material, member cards, and kits were received
- Answer any further cocerns
Ongoing Support
- Communication of changes and developments with Medicare
- Member meetings during Open Enrollment to update plan options
- Support with billing issues
- Assistance with locating In Network providers
- Make plan changes as your circumstance may change, even during the middle of the year (if SEP allows)
Medicare is a health insurance program for:
- People age 65 or older.
- People under age 65 with certain disabilities.
- People of all ages with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant).
Medicare has different parts that help cover specific services
Click the tabs below to learn more
- Medicare Part A (Hospital Insurance)
- Medicare Part B (Medical Insurance)
- Medicare Part D (Prescription Drug Coverage)
Medicare Part A (Hospital Insurance) – Part A helps cover inpatient care in hospitals, including critical access hospitals, and skilled nursing facilities (not custodial or long-term care). It also helps cover hospice care and some home health care. Beneficiaries must meet certain conditions to get these benefits. Most people don’t pay a premium for Part A because they or a spouse already paid for it through their payroll taxes while working.
Medicare Part B (Medical Insurance) – Part B helps cover doctors’ services and outpatient care. It also covers some other medical services that Part A doesn’t cover, such as some of the services of physical and occupational therapists, and some home health care. Part B helps pay for these covered services and supplies when they are medically necessary. Most people pay a monthly premium for Part B.
Medicare Part D (Prescription Drug Coverage) – Medicare prescription drug coverage is available to everyone with Medicare. To get Medicare prescription drug coverage, people must join a plan approved by Medicare that offers Medicare drug coverage. Most people pay a monthly premium for Part D.
