Morristown Medicare Advisors

At Jersey Insurance, we offer free-of-charge Medicare Advisors to residents of Morristown, Jersey. Our team of advisors are experts in all things Medicare and can help you navigate the confusing world of Medicare with ease. Whether you’re new to Medicare or have been enrolled for years, our advisors are here to help. Contact us today to schedule a consultation at our headquarters in Morristown.

Also, check our latest blog about Medicare Advantage Cost Saving Strategies.

Medicare and Parts of Medicare

Medicare is a federal health insurance program that provides coverage for Americans aged 65 and older, as well as those with certain disabilities. There are four parts of Medicare: Part A (Hospital Insurance), Part B (Medical Insurance), Part C (Medicare Advantage), and Part D (Prescription Drug Coverage).

Part A covers inpatient hospital care, skilled nursing facility care, hospice care, and some home health care.

Part B covers doctor visits, outpatient care, preventive services, and medical equipment.

Part C is offered through private insurance companies and provides all the benefits of Part A and B, plus additional benefits such as vision and dental care.

Part D provides prescription drug coverage for those who are enrolled in Part A and/or Part B.

Medicare Eligibility and Enrollment in Morristown

To be eligible for Medicare, you must be 65 years old or older or have certain disabilities. You may also be eligible if you have end-stage renal disease or amyotrophic lateral sclerosis (ALS).

To enroll in Medicare, you can sign up during your Initial Enrollment Period (IEP), which is a seven-month period that begins three months before the month you turn 65, includes the month you turn 65, and ends three months after the month you turn 65. If you don’t enroll during your IEP, you may have to pay a penalty when you do enroll.

Health Insurance in Morristown

While Medicare provides comprehensive health insurance coverage, it doesn’t cover everything. That’s where health insurance plans come in. At Jersey Insurance, we offer a variety of health insurance plans to residents of Morristown, including ACA plans, Hospital Indemnity plans, and Critical Illness plans.

ACA plans provide coverage for medical services, prescription drugs, and preventive care. Hospital Indemnity plans pay a fixed amount for each day you’re in the hospital, and Critical Illness plans provide a lump sum payment if you’re diagnosed with a covered illness.

Health Insurance Plans and Benefits

Our health insurance plans offer a wide range of benefits, including coverage for medical services, prescription drugs, preventive care, and hospital stays. With our Hospital Indemnity and Critical Illness plans, you can have peace of mind knowing that you’re covered in the event of an unexpected illness or hospitalization.

Frequently Asked Questions

1. What is the difference between Medicare Parts A and B?

Medicare Part A covers inpatient hospital care, skilled nursing facility care, hospice care, and some home health care. Medicare Part B covers doctor visits, outpatient care, preventive services, and medical equipment.

2. Can I enroll in Medicare if I’m still working?

Yes, you can enroll in Medicare even if you’re still working. However, if you have health insurance through your employer, you may want to delay enrolling in Medicare Part B to avoid paying unnecessary premiums.

3. Can I still use my preferred doctor if I enroll in a Medicare Advantage plan?

It depends on the plan. Some Medicare Advantage plans have networks of doctors and hospitals that you must use to receive coverage, while others allow you to see any doctor who accepts Medicare. Make sure to check the plan’s provider directory before enrolling to ensure your preferred doctor is in-network.