Avila Medicare Solutions

Date of publication:

Q&A with Grace

Because the people we help are particularly people transitioning to Medicare, we take the time to educate and prepare them to understand Medicare. So, please consider the following before you begin your Medicare transition process.

The first is the Eligibility there are. To be eligible you have to be living in the country, at least five years, be a U.S. citizen or at least a legal resident. In addition, you or your spouse must have worked and saved 40 credits for Medicare, which is done as the person works and makes their Social Security contributions, there you are paying those 40 credits that correspond to ten years of Social Security contributions. All this is because Medicare Part A is practically free for those people who have already made these contributions to Social Security.

You should also know about the Medicare enrollmentMedicare enrollment depends on whether or not a person is receiving Social Security benefits. So, if three months before your birthday month you are already receiving Social Security benefits, your monthly check, will be automatically enrolled by the Social Security Office.

For individuals who are not receiving their benefits when they are eligible for Medicare, they need to make a manual enrollmentwhich means they need to call the Social Security office to enroll, or online at the Social Security website. Social Security or also through an independent agency. This is one of the things that we particularly do for people, to help them with this online registration.

Another thing to keep in mind is if the person, when already eligible for Medicare, is still working and has health coverage or health insurance with his or her employer that is creditable. In this way, this person can delay Medicare Part B. This really depends on the costs. This really depends on the costs, how much they are paying with their current plan, how much it would cost with Medicare Part B, and comparing their employer health coverage with Medicare to see which would be cheaper.

In the case of those who are already retired and receive their monthly check, Social Security automatically deducts the Part B premium from their monthly check. $170.10. If you already have Medicare Parts A and B, and are not retired, Social Security will then send you a bill to pay quarterly.

And finally, it is extremely important that you facilitate this process by working hand in hand with an independent agent, an independent agency or a local agency. If you don't have a local agency, give us a call and we'll be happy to help you with anything you need. An independent agency can make the whole transition process super easy for you, avoiding long phone calls and long waits at the Social Security office. Instead, with an independent agency, you are just a phone call away and that person will be there to educate you, explain costs, eligibility, plans available in your area. All of this we can explain in detail.

Don't just stop with whether you are one of the people who automatically get the card because you are receiving Social Security benefits. Remember, you need to do a review of plans and all the options available to you. but you need help.

For any information or further education you may need, please contact us. We are here to help you and walk you through the entire process from start to finish. We are a local agency specializing in the transition to Medicare.

Our local number is 512-520-5957 or you can call us on our toll free number which is 855-GO-AVILA.

Do you have any doubts? Call us now.

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