Best Insurance LLC

• You are at least 65 year of age OR you’re under 65 and qualify due to disability or other circumstances

AND

• You are a US Citizen (or legal resident) who has lived in the US for 5 consecutive years

Most people do not pay for Part A; however, most people do pay for Part B. The Part B premium varies based on your income, although the standard monthly premium for 2023 is $164.90. It will be $174.70 in 2024.

Part A—Hospital Coverage
Helps pay for hospital stays and inpatient care.

Part B—Medical Coverage
Helps pay for doctor visits and outpatient care

IMPORTANT: If you do not enroll into Part B when you are first eligible, you may pay a late-enrollment penalty when you sign up later. There are some exceptions to this rule.
Also, if you cancel Part B coverage, you will NOT be able to re-enroll until the next Enrollment Period. When you re-enroll, you may be penalized for not having Part B.

You will need to call the Social Security Administration. They handle Medicare eligibility and enrollment.

You do not have to enroll into Medicare if you are still being offered employer coverage that meets the minimum essential coverage as required by law. However, if you no longer are offered insurance through your employer, you must enroll into Original Medicare Part A and Part B. If you do not enroll into Part B when you are first eligible, you will accrue a late enrollment penalty until you do enroll.

You may qualify for one of the individual plans (or family if you have dependents). Call one of our agents to find out if you qualify. However, if you have recently lost coverage from retiring from your job you may temporarily qualify for a Special Enrollment Period which lasts 60 days from the date you lose coverage.
IMPORTANT: If you miss the 60-day period, then you may be forced to wait until the next Open Enrollment period to enroll into coverage.

Medicare is a federally funded health insurance program for individuals over the age of 65 and older, or for some people under 65 who qualify due to disability or other special circumstance. Medicaid is a joint federal and state funded health insurance program that is for people with limited income and resources.

No. Medicare does not cover dental expenses. If you are in need of dental coverage, ask one of our licensed agents about a private dental policy or a plan that may include dental with it.

You may be penalized for not enrolling into Original Medicare Part B if you do not enroll when you are first eligible . You may also be penalized if you do not enroll into Part D (Prescription Drug Plan) when you are first eligible as well.