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Medicare is a government-run health insurance program that provides healthcare coverage for people over the age of 65. It can be difficult to navigate the Medicare system, and many people are not sure if they can change their plan if they don't like it. In this blog post from Medicare Sharks in South Florida, we will answer that question and provide some helpful tips on how to switch Medicare...

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Medicare Sharks

If you're nearing retirement, it's time to start thinking about Medicare. And if you're like most people, you'll want to find the best-rated Medicare agents to help you navigate the process. Applying for Medicare can be confusing, and a good broker can make all the difference. In this article, Medicare Sharks, the best-rated Medicare agents,...

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Signing up for the right Medicare can be a confusing process as there are multiple different parts that all cover different things. At Medicare Sharks, we strive to be the best Medicare agent in Florida by providing our clients with up-to-date expert advice and extensive product knowledge that helps them make informed decisions. Read through our Medicare basics and...

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If you are looking for a best-rated Medicare broker in Florida, look no further than the top-rated Medicare brokers at Medicare Sharks. Did you know you don't have to wait for open enrollment to change your plan? During certain times of the year, you can apply for Medicare and change your plan to something that better fits your needs. We understand that making decisions about health care can...

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When you are ready to retire, you have a myriad of important decisions to make about your retirement, your finances, and your health. One of the big decisions you have to make is what type of health insurance to get. A lot of people choose to stay on their employer’s retiree group plan, but is that the best option? As the best Medicare brokers in Florida, Medicare Sharks outlines how to choose whether you should stay with your employer...

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Medicare supplement and Medicare advantage plans offer different types of coverage and knowing which plan is best for you can be confusing. If you are looking into medicare insurance, navigating the different plans and processes can be challenging. You want to work with the best-rated medicare brokers in South Florida. Medicare Sharks can help you navigate the process of gaining Medicare insurance. In today’s post, we will discuss the...

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Are you one of the millions of people who are on Medicare? If so, it’s important to make sure that your plan is still working for you. Your health conditions may have changed since you first signed up for Medicare, and your plan may not be the best option anymore. That’s where Medicare Sharks come in — we can help you apply for Medicare in South Florida and find a plan that works best for your current needs. Learn more and reach out to the...

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When it comes to finding Medicare insurance, things can be complicated. There are many factors to take into consideration, and you want to be sure you get the insurance that best fits your specific needs. If you are looking for quality Medicare insurance, look no further than Medicare Sharks in South Florida. We offer top-of-the-line plans at competitive rates, and we are here to help you every step of the way. Learn more about the top four...

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As parents get older, it often falls to adult children to ensure they are taken care of. Part of ensuring each parents’ needs are met is ensuring their health coverage remains intact. If you are navigating medicare for your parents, you may be overwhelmed. Fortunately, Medicare Sharks gives you access to the best-rated medical brokers in South Florida. In today’s post, we will go over how you can help your parents apply for Medicare. Read on...

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Medicare is primarily intended for individuals that are retired who need health insurance. It’s an excellent option for those that have lost their employer coverage and want to make sure that they’re saving on medical bills. Many people choose to enroll at the age of 65, which is when most people are first eligible. If you have special needs, then it may be possible for you to enroll in Medicare early.

There are multiple different types...

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If you’re new to Medicare, then it’s important that you think about the coverage that you want and which policy is the right choice for you. Doing this is the best way to make sure that you get the coverage you need and deserve.

There is a variety of coverage that’s offered through Medicare. What coverage you end up with will depend on your medical situation and needs, as well as your budget. Keeping budget in mind is important. While...

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Medicare offers a variety of coverage for those that are 65 and over. Because most people retire around this age, it is customary to lose your employer health insurance coverage. Medicare is the perfect solution for this.

There are two main types of policies within Medicare. These two policies are Original Medicare and Medicare Advantage. Original Medicare provides standardized coverage and is a great option for those that are wanting...

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Medicare is provided through the US government as an opportunity for retired individuals to still have access to health insurance. Medical care can be expensive and not having the right insurance could end up costing you thousands. This is one of the reasons why it’s so important to learn about Medicare and make sure that you’re taking into account your options.

Medicare is an excellent way to make sure that you have access to quality...

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While Medicare does not cover routine vision care, Medicare Part B does cover glaucoma screenings for people at high risk for developing glaucoma and will cover the outpatient procedures necessary to treat the condition. To be covered for prescription medications used to treat glaucoma, you will need to be covered under a prescription drug plan through Medicare Part D or a Medicare Advantage Prescription Drug plan.

For routine vision...

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Medicare Part B covers medically necessary and preventive care services. In an effort to be proactive in caring for the health of beneficiaries, many of these preventive care services are free. Diagnostic tests may involve the Part B copayment of 20% of the Medicare-approved cost for the covered services.

Wellness Visits

One of the first benefits you can take advantage of as...

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The thing you have to worry about with delaying enrollment in Medicare is the possibility of having to pay late enrollment fees. These penalties are added to your premiums, and depending on which plan you delayed enrolling in, they could make your coverage more expensive for as long as you hold coverage.

Delaying Medicare Part A

The best time to enroll in Medicare Part A is when you first become eligible. For most Medicare...

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Generally, no, you should not choose the same Medicare plan as your spouse. This is because you and your spouse likely have different healthcare needs and different anticipated expenses. Choosing the Medicare plan that gets you the best coverage for your money is always the right choice, and the right plan for your needs is likely to differ from the right plan for your spouse.

Medicare Advantage

When we talk about choosing a...

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Medicare Part D provides vital prescription drug coverage. In general, anyone who is eligible for Medicare is eligible for Part D.

Medicare Eligibility

To know if you’re eligible for Part D, you just need to know whether or not you’re eligible for Medicare. To be more specific, you must be eligible for and enrolled in Original Medicare (Part A and Part B) first to get Part D.

Many become eligible for Medicare at age 65. Some...

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There are two ways to qualify for a special enrollment period (SEP)—through retirement or a specific special circumstance. Let’s break down what a SEP is and how to qualify.

What is Medicare Special Enrollment?

In short, a special enrollment period is an opportunity to get the Medicare coverage you need without age or health considerations, late penalties, and without...

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Medicare covers hospice care, so you likely won’t have to pay anything for it. However, there are details to this coverage that you need to be aware of, including some instances where Medicare won’t cover hospice care.

What’s Included in Your Hospice Coverage

You receive coverage for hospice care through Medicare Part A but, you must meet certain qualifications to be eligible, including:

  • Certification of a terminal...
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Knowing what is and isn’t covered by Medicare is confusing. To help make things a bit easier, here’s what you should know: Medicare doesn’t cover glasses or contact lenses in most cases. Let’s look further and see what you need to know about this coverage.

Cost of Glasses with Original Medicare

When discussing coverage through Original Medicare (Part A and Part B), think in terms of percentages. Medicare covers a certain...

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Medicare Advantage is a special form of Medicare. It’s unique in that it’s exclusively sold via private insurance, and benefits can vary from one plan to another. Despite differences between the plans themselves, the opportunities to enroll are the same.

When Is The Earliest Time I Can Get A Medicare Advantage Plan?

The earliest enrollment window you have for joining Medicare Advantage is during the Initial Enrollment Period...

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Medicare Supplement Plans, commonly known as Medigap, are among the most popular Medicare-related policies. Eligibility is mostly dependent on enrolling within a certain timeframe. This exact period of time can vary depending on circumstance.

What Do I Need To Qualify?

First, you need to be enrolled in Medicare. And in order to get Medicare, you must either be 65 or over, or have a disability if you’re under the age of...

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Medigap is a supplemental policy you can add to your Medicare plan. While it must cover Medicare Part A and B-related out-of-pocket costs, prescription medication coverage isn’t mandatory. Whether you need coverage for prescriptions will determine if you’ll need to get Medicare Part D, and if you will be able to do so without incurring a late enrollment penalty.

What If I Want To Get Other Drug Coverage?

You have the freedom to...

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Medicare Supplement Plans, also known as Medigap, serve to lower medical costs beyond what Original Medicare’s coverage can provide. It is optional, but strongly encouraged for those who choose not to enroll in Medicare Advantage in the future. There are many areas in which you can save on medical costs, but there are also factors to take into consideration before enrolling.

What Can I Get With Medigap That Other Plans Won’t...

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Medicare Part B offers outpatient coverage for services such as immunizations, preventive care, ambulance rides, and durable medical equipment. It’s also instrumental in helping you get other types of Medicare coverage. But you cannot join this at just any time. When you can join Part B depends on the time of year and your personal circumstances.

Why Join Part B?

Once you’ve...

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You may have heard of Medicare’s benefits, and you may be wondering when you’ll be able to use them for your own medical costs. Medicare enrollment is restricted to certain groups of individuals, but 2022 may very well be the year you can join a Medicare plan.

When Should I Enroll?

If you do not qualify for automatic enrollment, you will have to wait until you are three months away from turning 65.

If you’re turning 65 in...

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Medicare Part D / By Medicare Sharks

Medicare plans change costs each year. These are typically small, negligible adjustments. You will not have to worry about Medicare becoming unaffordable. All Medicare plans experience this, but to different extents. And in 2022, Part D has adjusted its premium costs according to your annual income as reported on your 2020 tax return.

What Is This Adjustment Called?

The term for premium...

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