Parsippany – Troy Hills Medicare Advisors

At Jersey Insurance, we provide free-of-charge Medicare Advisors to help you navigate the complexities of Medicare. One of our offices is located in Parsippany – Troy Hills, and our team of Medicare experts are here to help you understand your options, answer your questions, and find the best Medicare plan that meets your needs.

Also, check our latest blog about Medicare Dental, Vision, and Hearing Coverage.

Medicare and Parts of Medicare

Medicare is a federal health insurance program that is primarily designed for people who are 65 years of age or older, but it also covers people who are under 65 years old with certain disabilities. It consists of several parts, including:

• Medicare Part A: This part covers inpatient hospital care, skilled nursing facility care, hospice care, and home health care.
• Medicare Part B: This part covers doctor services, outpatient care, medical supplies, and preventive services.
• Medicare Part C: This is also known as Medicare Advantage and includes all benefits and services covered under Parts A and B, as well as additional benefits such as vision, hearing, and dental.
• Medicare Part D: This part covers prescription drug costs.

See more about comparing Medicare vs. Medicaid.

Medicare eligibility and enrollment in Parsippany – Troy Hills

To be eligible for Medicare, you must be 65 years of age or older or have certain disabilities or conditions. You may also be eligible for Medicare if you have End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS). To enroll in Medicare, you need to sign up during the Initial Enrollment Period (IEP), which is a seven-month period that begins three months before the month you turn 65 and ends three months after the month you turn 65.

Health insurance in Parsippany – Troy Hills

If you’re not eligible for Medicare or need additional coverage, there are several health insurance options available in Parsippany – Troy Hills. The Affordable Care Act (ACA) plans offer a range of health insurance options for individuals and families, and you can also consider Hospital Indemnity plans, Critical Illness Plans, and other supplemental insurance plans to help cover any gaps in your healthcare coverage.

Health insurance plans and benefits

At Jersey Insurance, we offer a range of health insurance plans that can help you and your family stay healthy and protected. Our health insurance plans include comprehensive coverage options that cover preventive care, hospitalization, emergency care, prescription drugs, and more. Our experienced advisors can help you understand your options, compare plans, and find the best plan that meets your unique healthcare needs.

FAQ

1. What is the difference between Medicare Advantage and Original Medicare?

Medicare Advantage, also known as Medicare Part C, is an alternative to Original Medicare (Parts A and B) and is offered by private insurance companies approved by Medicare. Medicare Advantage plans typically offer additional benefits such as vision, hearing, dental, and wellness programs, but they may also have more limited provider networks and require prior authorization for certain services.

2. Can I enroll in Medicare outside of the Initial Enrollment Period?

Yes, you may be able to enroll in Medicare during the General Enrollment Period (GEP), which runs from January 1 to March 31 each year. However, if you enroll during the GEP, your coverage may be delayed and you may have to pay a higher premium. You may also be able to enroll during a Special Enrollment Period (SEP) if you experience a qualifying life event, such as losing your job-based health coverage or moving to a new area.

3. Can I change my Medicare Advantage plan once I’ve enrolled?

Yes, you can make changes to your Medicare Advantage plan during the annual enrollment period (AEP) from October 15th to December 7th each year. Outside of the AEP, you may be able to make changes to your plan if you experience a qualifying life event, such as a move or loss of coverage. It’s important to review your plan each year to make sure it still meets your healthcare needs.