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We empower employers with everything needed to control healthcare costs and manage benefit programs efficiently.
We empower employers with everything needed to control healthcare costs and manage benefit programs efficiently.
We empower employers with everything needed to control healthcare costs and manage benefit programs efficiently.
Whether you are new to Medicare or already enrolled, you probably know Medicare is complicated. Making mistakes with your Medicare could be costly down the road. We help Medicare recipients navigate enrollment, plan comparison, deadlines, and more so they can make good decisions with their Medicare benefits.
The Medicare Agents at Security First Benefits Corporation are dedicated to staying on top of new plan options and regulations as they emerge in the fast-changing Medicare system. Click the tabs below to learn more about the Medicare plans we offer.
Medicare Advantage Plans are offered by private carriers and replace your original Medicare Parts A and B, as they are rolled into one plan. You can select between an HMO or PPO, and most plans may cover more of your healthcare costs and have additional benefits, such as prescription drug coverage. Some may have dental or vision benefits. Premiums vary based on coverage, carrier and geographical location.
Ultimately, the best Medicare Advantage Plan is one that is purchased from a quality carrier, has no or a low premium and leaves you with the least or no out of pocket expenses.
Medicare Supplement Insurance policies complement your Original Medicare Parts A and B. They cover some, if not all, of the expenses that Part A and B do not cover, like co-pays, deductibles and other charges.
There are many different types of Medicare Supplement policies available, however they are regulated so the benefits for these various policies (known as Plan A through N), are all the same regardless of the carrier. However, premiums can vary greatly among carriers.
Ultimately, the best Supplement Plan is one that is purchased from a quality carrier, has a low premium and leaves you with the least or no out of pocket expenses.
Prescription drug coverage offered by private carriers contract with Medicare. Because premiums vary greatly, you should carefully weigh your prescription costs against all variables of these plans. Selecting the wrong plan can wind up costing you thousands. Some Medicare Advantage plans may offer prescription coverage as well.
Please note that you should sign up for Part D (even if you do not have prescriptions) when you first turn 65, as waiting may result in a costly monthly penalty added to your premium.
Medicare Advantage Plans are offered by private carriers and replace your original Medicare Parts A and B, as they are rolled into one plan. You can select between an HMO or PPO, and most plans may cover more of your healthcare costs and have additional benefits, such as prescription drug coverage. Some may have dental or vision benefits. Premiums vary based on coverage, carrier and geographical location.
Ultimately, the best Medicare Advantage Plan is one that is purchased from a quality carrier, has no or a low premium and leaves you with the least or no out of pocket expenses.
Medicare Supplement Insurance policies complement your Original Medicare Parts A and B. They cover some, if not all, of the expenses that Part A and B do not cover, like co-pays, deductibles and other charges.
There are many different types of Medicare Supplement policies available, however they are regulated so the benefits for these various policies (known as Plan A through N), are all the same regardless of the carrier. However, premiums can vary greatly among carriers.
Ultimately, the best Supplement Plan is one that is purchased from a quality carrier, has a low premium and leaves you with the least or no out of pocket expenses.
Prescription drug coverage offered by private carriers contract with Medicare. Because premiums vary greatly, you should carefully weigh your prescription costs against all variables of these plans. Selecting the wrong plan can wind up costing you thousands. Some Medicare Advantage plans may offer prescription coverage as well.
Please note that you should sign up for Part D (even if you do not have prescriptions) when you first turn 65, as waiting may result in a costly monthly penalty added to your premium.
Learn about the federal health insurance program for people who are 65 or older.
Medicare is the federal health insurance program for people who are 65 or older. The different parts of Medicare help cover specific services:
Medicare Part A (Hospital Insurance)
Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
Medicare Part B (Medical Insurance)
Part B covers certain doctors’ services, outpatient care, medical supplies, and preventive services. Most people will pay a standard Part B premium which varies depending on income.
Medicare Part D (Prescription Drug Coverage)
Part D of Medicare covers prescription drugs. It is a separate plan from Part A and B. You must additionally enroll in a plan if you have prescription drug needs.
To sign up for original Medicare Parts A & B, along with Part D, most people will have an Initial Enrollment Period which is a 7 month period around the time they turn age 65. This period begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65.
Once your Initial Enrollment Period is over, if you wish to change or purchase Advantage or Part D Plans, you must act during the open enrollment period.
NOTICE: Once you are eligible for Medicare, do not wait to enroll in a Medicare Part D Plan or you could end up paying a penalty every month.
Special enrollment period for Medicare.
Once enrolled in Medicare, if you wish to change or purchase Medicare plans you must act during the open enrollment period.
When open enrollment is closed, there are special circumstances in which one may qualify to enroll outside of the enrollment period. Listed below are the qualifying events:
-You are turning 65
-You move to a new area that is not in your current plan’s service area
-Recently moved back to the US
-You lose your current coverage (either Group or Medicaid)
-You now need a SNP (Special Needs Plan) or you no longer need a SNP
You can apply online or call your local Social Security office. You’ll enroll, create your Medicare account, track your Medicare information such as bills, claims, health information and more, as well as print your Medicare card.
CLICK HERE to apply online.
No you can continue to receive employer benefits. If you are still receiving work benefits, you still have the option of enrolling in Medicare Part A during your initial enrollment age, if you decide it is wise for your specific healthcare needs. Remember, for most people the Part A premium is free. Also, keep in mind that Medicare is not automatic (as discussed above) so you will need to enroll yourself when your enrollment period begins. It’s important to note that you can only delay enrolling in Part B and Part D without incurring late enrollment penalties if you have creditable coverage from your employer, or your spouses employer. Creditable coverage requires that If the employer group has 20 eligible employees or more, then you may be able stay on that plan. There are many things to consider and you should talk to a professional to make sure you are making the right moves.
No, Medicare is an individual plan. Medicare does not have spousal or dependent coverage. If your spouse has reached age eligibility (65), then they can enroll in Medicare of their own accord 90 days in advance of the month they turn 65.
When you retire and transition to Original Medicare, you’ll most likely have to pay for dental and vision care out of your own pocket. Typically, Medicare does not cover these costs unless they are related to services received in a hospital. Medicare does however cover some eye care services for diabetics, such as testing and treatment for diabetic retinopathy, or glaucoma. It also covers other eye disease, such as age-related macular degeneration (AMD).
You may however be able include dental and vision benefits in a Medicare Advantage plan, or purchase an individual dental or vision plan separately.
CLICK HERE to visit our Supplemental Health plan coverage.
Learn about the federal health insurance program for people who are 65 or older.
Medicare is the federal health insurance program for people who are 65 or older. The different parts of Medicare help cover specific services:
Medicare Part A (Hospital Insurance)
Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
Medicare Part B (Medical Insurance)
Part B covers certain doctors’ services, outpatient care, medical supplies, and preventive services. Most people will pay a standard Part B premium which varies depending on income.
Medicare Part D (Prescription Drug Coverage)
Part D of Medicare covers prescription drugs. It is a separate plan from Part A and B. You must additionally enroll in a plan if you have prescription drug needs.
To sign up for original Medicare Parts A & B, along with Part D, most people will have an Initial Enrollment Period which is a 7 month period around the time they turn age 65. This period begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65.
Once your Initial Enrollment Period is over, if you wish to change or purchase Advantage or Part D Plans, you must act during the open enrollment period.
NOTICE: Once you are eligible for Medicare, do not wait to enroll in a Medicare Part D Plan or you could end up paying a penalty every month.
Special enrollment period for Medicare.
Once enrolled in Medicare, if you wish to change or purchase Medicare plans you must act during the open enrollment period.
When open enrollment is closed, there are special circumstances in which one may qualify to enroll outside of the enrollment period. Listed below are the qualifying events:
-You are turning 65
-You move to a new area that is not in your current plan’s service area
-Recently moved back to the US
-You lose your current coverage (either Group or Medicaid)
-You now need a SNP (Special Needs Plan) or you no longer need a SNP
You can apply online or call your local Social Security office. You’ll enroll, create your Medicare account, track your Medicare information such as bills, claims, health information and more, as well as print your Medicare card.
CLICK HERE to apply online.
No you can continue to receive employer benefits. If you are still receiving work benefits, you still have the option of enrolling in Medicare Part A during your initial enrollment age, if you decide it is wise for your specific healthcare needs. Remember, for most people the Part A premium is free. Also, keep in mind that Medicare is not automatic (as discussed above) so you will need to enroll yourself when your enrollment period begins. It’s important to note that you can only delay enrolling in Part B and Part D without incurring late enrollment penalties if you have creditable coverage from your employer, or your spouses employer. Creditable coverage requires that If the employer group has 20 eligible employees or more, then you may be able stay on that plan. There are many things to consider and you should talk to a professional to make sure you are making the right moves.
No, Medicare is an individual plan. Medicare does not have spousal or dependent coverage. If your spouse has reached age eligibility (65), then they can enroll in Medicare of their own accord 90 days in advance of the month they turn 65.
When you retire and transition to Original Medicare, you’ll most likely have to pay for dental and vision care out of your own pocket. Typically, Medicare does not cover these costs unless they are related to services received in a hospital. Medicare does however cover some eye care services for diabetics, such as testing and treatment for diabetic retinopathy, or glaucoma. It also covers other eye disease, such as age-related macular degeneration (AMD).
You may however be able include dental and vision benefits in a Medicare Advantage plan, or purchase an individual dental or vision plan separately.
CLICK HERE to visit our Supplemental Health plan coverage.
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Security First Benefits Corporation
2357 Stonebridge Dr.
Flint, MI 48532
Let’s chat about our dedicated employee benefit and compliance advisory services, in addition to value-add administration and HR tools.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Other Important Disclaimers: Security First Benefits Corporation is a licensed health insurance agent authorized to market Medicare Insurance Plans. This is a solicitation for insurance. Please note a sales agent may call as a result of your inquiry for a quote. The benefit information provided herein is a brief summary, not a comprehensive description of benefits. For more information contact the plan. Limitations, copayments, and restrictions may apply. Please note you have no guarantee issue.
Security First Benefits Corporation is not part of the Federal Medicare System.
Turning 65 requires important, time-sensitive decisions about your Medicare coverage for your retirement. Missing this opportunity or choosing the wrong coverage can be costly. Security First Benefits Corporation is here to help!
Interested in an account? Contact us.
