MEDICARE ANNUAL ENROLLMENT

October 15 – December 7
Learn about new plans and benefits for 2019
Call Jeff Rothstein now to schedule a
FREE MEDICARE REVIEW

CALL NOW: 954-270-9144

As a Medicare Recipient You Are ENTITLED to a Free Plan Review!

Most Medicare Advantage Plans Have No Additional Premiums & Include Prescription Drugs

Medicare can be extremely confusing, but
it doesn’t have to be!


Speak to Jeff and be sure you understand
all of your Medicare….

Rights

Benefits

Options

Jeff Rothstein is an independent Medicare insurance agent concentrating on Palm Beach and Broward Counties in South Florida. As an independent agent, Jeff works as your advocate to help you find the plan that will best fit your specific needs. He works with and represents most MAPD PPO and HMO (Medicare Advantage Plans) and Medicare Supplement (Medigap Plans) that are available in South Florida including:

AARP United American Humana
United Healthcare Preferred Care Partners Gerber
Care Plus Cigna Wellcare
Aetna Coventry Allwell  

YES…

The Medicare system can be complicated and confusing. As an Independent
Medicare Enrollment Agent, it’s my job to meet and work with Medicare
recipients like you, understand your individual Medicare needs and help you
enroll in the plan that will best meet those needs. I represent most Medicare
Plans that are available in South Florida which allows me to focus on you and
your specific requirements!

VERY IMPORTANT!!

There is no cost or fee to you for my assistance!
I am compensated directly by the insurance companies.

Sign up for Medicare

Jeff Rothstein, MBA is a licensed and certified Medicare enrollment agent and advisor serving Palm Beach, Broward and Martin Counties. Jeff is certified to enroll members is most MAPD plans and Medigap Insurance plans, so he truly works as your advocate to help you identify the plan that best fits your specific and unique needs. There is no cost to you for Jeff’s services; he is compensated by the plan if you choose to enroll. Call today to schedule a convenient time for Jeff to visit with you and review all of your Medicare rights, benefits and options.

Medicare advantage enrollment
Drug coverage Martin County
Medicare plans Palm Beach County
Medicare part d
Medicare part a
Medicare supplement enrollment
Call Jeff Today
954-270-9114
Set Up an Appointment.
Medicare plans South Florida

What is Medicare?

Medicare is the federal health insurance program for:

  • People who are 65 or older
  • Certain younger people with disabilities
  • People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD)

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.

Medicare Part C (Medicare Advantage Plans)

A type of Medicare health plan offered by a private company that contracts with Medicare. Medicare Advantage Plans provide all of your Part A and Part B benefits. Medicare Advantage Plans include:

  • Health Maintenance Organizations
  • Preferred Provider Organizations
  • Private Fee-for-Service Plans
  • Special Needs Plans
  • Medicare Medical Savings Account Plans

If you’re enrolled in a Medicare Advantage Plan:

  • Most Medicare services are covered through the plan
  • Medicare services aren’t paid for by Original Medicare

Most Medicare Advantage Plans offer prescription drug coverage.

Medicare Part D (prescription drug coverage)

Part D adds prescription drug coverage to:

  • Original Medicare
  • Some Medicare Cost Plans
  • Some Medicare Private-Fee-for-Service Plans
  • Medicare Medical Savings Account Plans

These plans are offered by insurance companies and other private companies approved by Medicare. Medicare Advantage Plans may also offer prescription drug coverage that follows the same rules as Medicare prescription Drug Plans.

Medicare Supplement Insurance (Medigap)

A Medicare Supplement Insurance (Medigap) policy helps pay some of the health care costs that Original Medicare doesn’t cover, like:

  • Copayments
  • Coinsurance
  • Deductibles

Medigap policies are sold by private insurance companies.

Some Medigap policies also cover services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, here’s what happens:

  • Medicare will pay its share of the Medicare-approved amount for covered health care costs.
  • Then, your Medigap policy pays its share.

A Medigap policy is different from a Medicare Advantage Plan. A Medicare          Advantage Plan is a health plan; not an insurance policy. Those plans provide Medicare benefits, while a Medigap policy supplements your Original Medicare benefits.

(This is a very important distinction and Jeff Rothstein will fully explain what this means during a no cost, complementary Medicare Review) 

Important Information for Medigap Policies 

  1. You must have Medicare Part A and Part B.
  2. If you have a Medicare Advantage Plan, you can apply for a Medigap policy. But, make sure you can leave the Medicare Advantage Plan before your Medigap policy begins.
  3. You pay the private insurance company a monthly premium for your Medigap policy. You pay this monthly premium in addition to the monthly Part B premium that you pay to Medicare.
  4. A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you’ll each have to buy separate policies.
  5. You can buy a Medigap policy from any insurance company that’s licensed in your state to sell one.
  6. Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can’t cancel your Medigap policy as long as you pay the premium.
  7. Medigap policies sold after January 1, 2006 aren’t allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D).

For a complete no cost or obligation Medicare review; call Jeff Rothstein today at 954-270-9114 or fill out the attached form. Jeff will come to you and explain the Medicare system and review all of your Medicare benefits, rights and options.

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