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Senior Benefit’s Cumberland Office

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309 Willowbrook Road, Suite 1
Cumberland, MD 21502

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Monday – Firday : 9am – 5pm EST
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Medicare Special Enrollment Periods For Seniors

Knowing Your Medicare Special Enrollment Periods

In our years of helping seniors with Medicare, I’ve watched thousands of people get stuck with terrible coverage.

Medicare Special Enrollment Periods may save you from being trapped with terrible coverage until next fall, potentially preventing thousands in out-of-pocket costs when you need care most.

Let me share these little-known enrollment opportunities that most insurance agents never tell you about.

Key Takeaways

Year-round enrollment secrets revealed

Relocating could allow you to switch Medicare plans

Know the rules or pay the penalties

Master these secrets or stay stuck paying more

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Table of Contents

What Are Medicare’s Year-Round Enrollment Secrets?

Most people think Medicare enrollment happens once a year during October. But as a third-generation insurance professional, I can tell you there’s so much more to the story.

If your new to Medicare, you will discover it has hidden enrollment windows that open throughout the year when specific life events happen. These Special Enrollment Periods let you change Medicare Advantage plans or Part D prescription coverage immediately – no waiting for fall enrollment.

We’ve helped develop several insurance plans now sold nationwide, and I can tell you these special periods exist because the government finally realized life doesn’t pause for Medicare’s schedule. Jobs disappear overnight. People move across states. Coverage gets yanked away without warning.

When these things happen, waiting 8+ months for the next enrollment period would leave people completely without proper protection.

Real Client Success Story

“I can’t believe my good luck finding Nicole Hardy at Senior Benefits! Not only is she easy to talk to, but Nicole is also extremely knowledgeable about the twisted highways of Medicare and which direction to take. My 90-year-old mother and I moved to another state, thus making it necessary to change health insurance. Nicole Hardy is taking good care of us, guiding us to the best possible Medicare insurance plans to meet our needs.” – Cathy Neff

How Relocating Gives You Permission to Switch Medicare Plans

Traveling with Medicare plans Senior Benefit Services Hagerstown,MD

After years of helping families through this process, I’ve seen how moving can completely destroy your Medicare coverage if you don’t know the rules.

Move outsid e your current plan’s service area. You automatically unlock a Special Enrollment Period. Doesn’t matter if you’re moving 20 miles away or 2,000 miles away – I’ve helped clients in both situations.

Here’s what I’ve learned: Your current Medicare plan might become completely useless in your new location. Your doctors won’t be in the network. Your medications might not be covered. Sometimes your plan doesn’t even operate in your new state.

The relocation Special Enrollment Period gives you 2-3 months to find and switch to a plan that works where you live now. But here’s my professional advice after handling hundreds of these situations: Don’t wait until after you move to start researching.

Contact us before your relocation. My team will map out exactly what plans will be available in your new area. This prevents coverage gaps and ensures you’re not scrambling to find new doctors and pharmacies.

Other Life Events That Trigger These Secret Windows

In my experience serving on insurance company advisory boards, I’ve seen how these special enrollment rules developed.

Let me break down the most important ones:

Losing creditable health coverage: Your employer stops offering insurance? Your spouse retires, and you lose their coverage? You get a Special Enrollment Period.

Your plan screws up: If your Medicare Advantage plan loses its contract with Medicare or gets sanctioned for poor performance, you get an immediate exit opportunity. I’ve helped develop better plans specifically because I’ve seen what happens when plans fail clients.

Someone gives you bad information: If an insurance agent or Medicare counselor provides incorrect information that leads to enrollment mistakes, Medicare will let you fix it through a Special Enrollment Period. This happens more than you’d think.

Getting released from incarceration: People in jail can’t shop for Medicare plans. When they’re released, they get time to catch up on their coverage.

Nursing home transitions: Moving into or out of a nursing home creates a Special Enrollment Period because your care needs change dramatically.

The Medicare Advantage Open Enrollment Loophole

January 1st through March 31st every year, people with Medicare Advantage get a bonus enrollment period.

As someone who’s been instrumental in developing several insurance plans, I can tell you exactly why this exists.

Medigap plans for seniors - Senior Benefit Services Hagerstown MD

Medicare realized people were making hasty decisions during the October-December rush. Come January, when the bills start arriving, reality hits about network restrictions and medication costs.

During this window, you can:

Switch to a different Medicare Advantage plan

Drop Medicare Advantage completely and return to the Original Medicare

Add a standalone Part D plan if you switch back to Original Medicare

Important: This only applies if you’re already enrolled in a Medicare Advantage plan. If you have Original Medicare, this window doesn’t help you.

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Know These Rules or Pay Lifetime Penalties

After three decades in this business, I’ve seen too many people get financially destroyed because they trusted the wrong sources for Medicare advice.

The biggest trap? Trusting your employer’s HR department for Medicare guidance. Look, these are good people trying to help, but they simply don’t understand Medicare’s penalty system the way my family has for three generations.

Another expensive mistake: Not acting fast enough when your Special Enrollment Period opens. These windows don’t wait for you to get your life together. Miss the deadline, and you’re stuck with problematic coverage until next fall, plus potential lifetime penalties.

How Long Do These Windows Actually Last?

Based on my decades of experience helping clients through these periods, here’s what you need to know about timing:

For moving: Your window typically starts the month before you relocate and continues for two months after.

For losing coverage: The period begins when your coverage ends and lasts two months.

Senior Lady moving into skilled care facility - Senior Benefit Services Hagerstown, MD

For plan failures: You usually get at least two months from when you’re notified about the plan’s problems.

Frequently Asked Questions

What happens if I miss my Special Enrollment Period deadline?

You’ll wait until the next Annual Enrollment Period from October 15 to December 7. That traps you for 8+ months with coverage that doesn’t work for your new situation.

The financial consequences get worse if you go without creditable prescription drug coverage. You’ll face lifetime late enrollment penalties when you finally do enroll. I’ve seen these penalties destroy people’s retirement budgets.

Think you might have missed a deadline? Contact my team immediately at (800) 924-4727. After 30+ years in this business, we sometimes know about options other agents miss. We’ll find every possible solution before the fall enrollment period locks you in.

Can I use a Special Enrollment Period to get Medigap coverage?

No, and this confuses a lot of people. After three decades in this business, I can tell you Special Enrollment Periods only apply to Medicare Advantage and Part D plans. Medigap (Medicare Supplement Insurance) has completely different rules.

You get guaranteed Medigap enrollment rights during your 6-month Medigap Open Enrollment Period, which starts when you first enroll in Medicare Part B at age 65 or older. Outside that window, insurance companies can ask health questions and potentially reject you.

If you’re approaching 65 or just enrolled in Part B, don’t wait to explore Medigap options. That guaranteed approval window won’t come again. My team specializes in helping people maximize their Medigap Open Enrollment Period.

Do I need to prove I qualify for a Special Enrollment Period?

Yes, Medicare typically requires documentation proving your qualifying event. For moves, you might need utility bills or lease agreements showing your new address. For losing employer coverage, you’ll need a letter from your former employer stating when coverage ended.

Keep all your paperwork organized and easily accessible. Don’t throw away any insurance-related documents until you’re sure you won’t need them. Missing documentation can delay your enrollment or cause you to miss your Special Enrollment Period entirely.

Confused about what documentation you need? My advisors have helped thousands of people gather the right paperwork for Special Enrollment Periods. We’ll walk you through exactly what you need and help you avoid costly documentation mistakes. That’s the level of service that’s been second to none for over three decades.

Can I get a Special Enrollment Period if my plan raises costs or changes benefits?

Generally, no, and this surprises people. Medicare Advantage and Part D plans can change their premiums, deductibles, copays, covered drugs, and provider networks each year. These routine changes don’t trigger Special Enrollment Periods.

However, if your plan makes mid-year changes that significantly reduce benefits or Medicare terminates the plan’s contract, you might qualify for a Special Enrollment Period. The key word is “might” – these situations require evaluation by Medicare experts who understand the specific rules.

Having served on numerous insurance company advisory boards, I understand these rules from both sides. Frustrated with your plan’s changes? Even if you don’t qualify for a Special Enrollment Period, there might be other options. Contact Senior Benefit Services to review your situation and explore all available alternatives.

How do I know if my situation qualifies for a Special Enrollment Period?

Complicated rules trip up most people, and assumptions about your coverage can cost you months of poor protection or missed savings. Don’t rely on Google searches or well-meaning friends – Medicare rules are specific and constantly changing.

As an insurance professional, I’ve seen these rules evolve over the years. My team helps people navigate Special Enrollment Period rules every day. We can review your specific situation, verify your eligibility, and help you make the most of these valuable opportunities.

Ready to get expert guidance? The consultation is free, but the peace of mind and potential savings are priceless. Call (800) 924-4727 or visit one of our convenient locations in Maryland, Pennsylvania, Virginia, West Virginia, and South Carolina. We’ve been providing service that’s second to none for over 30 years.

Medicare Special Enrollment Periods are year-round secrets that give you flexibility when life changes unexpectedly. But only if you master the rules and understand how to use them properly.

When life throws you a curveball, these hidden enrollment windows might be exactly what you need to get better coverage and avoid paying more than necessary. Don’t navigate this alone – let my three decades of experience work for you.

Don’t assume you have forever to make a decision. Two months sounds like plenty of time until you’re juggling plan comparisons with everything else that comes with major life changes. My team has helped thousands of people through this process, and we know how to make it manageable.

Senior Benefit’s Hagerstown Office

We are here to help. Contact us today!

(301)733-0085
(800) 924-4727

580 Northern Ave
Hagerstown, MD 21742

Hours :

Monday – Firday : 9am – 5pm EST
Sat & Sun: Closed

Senior Benefit’s Thurmont Office

We are here to help. Contact us today!

Hours :

Monday – Firday : 8am – 4pm EST
Sat & Sun: Closed

Senior Benefit’s Cumberland Office

We are here to help. Contact us today!

309 Willowbrook Road, Suite 1
Cumberland, MD 21502

Hours :

Monday – Firday : 9am – 5pm EST
Sat & Sun: Closed

Need Help Updating Your Medicare Plan After Moving To/From MD, PA, WV?

Updating Your Medicare Plan When Moving

When updating your Medicare Plan, Many Medicare beneficiaries who move make costly mistakes that could have been avoided.

Most people think Medicare is just Medicare everywhere, but that’s not how it actually works when you relocate.

Moving with the wrong Medicare strategy can lock you out of better plans.

Senior SIgning up for medicare plans - Senior Benefit Services - Hagerstown, MD

Stick you with higher premiums, or even leave you without prescription drug coverage for months. Let’s explore how you can benefit from the hidden Medicare moving rules that most people never discover.

Key Takeaways

This One plan type never requires changes

Secret enrollment windows most miss

This mistake costs money every month

Moving unlocks cheaper options

60-day rule changes everything

Let me break down exactly what each plan type means for your move.

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Table of Contents

How Original Medicare Turns Moving Into a Breeze

With Original Medicare Parts A and B, the program works exactly the same in all 50 states, and you never have to change plans or worry about networks.

This is huge because Original Medicare doesn’t play favorites with geography. Every doctor and hospital that accepts Medicare will treat you the same, whether you live there for 20 years or just arrived yesterday.

But here’s where people mess up big time. Even though your coverage stays identical, you absolutely must update your address with Social Security.

Skip this step, and Medicare won’t know where to send your bills or important notices.

Medicare Advantage Plans Have a Geography Problem

Here’s what the insurance companies don’t advertise about Medicare Advantage plans.

They only work in specific areas, and your amazing plan in one state might not even exist in another state.

Moving outside your plan’s service area means you’re starting over with a completely new plan.

This sounds terrible, but it’s a hidden opportunity that smart Medicare users leverage to their advantage.

Moving triggers something called a Special Enrollment Period, which is like having a VIP pass to change Medicare plans outside of the normal enrollment windows. Most people have no idea this exists.

Your enrollment window lasts three months, but the timing depends on when you notify your current plan.

Tell them before you move and your window starts the month before your relocation and continues for two months after.

Wait until after you’ve moved and your window begins when you notify them plus two additional months.

Secure Your FREE Medicare Advantage Quote

Here’s the part that saves people serious money.

Your new location might have better Medicare Advantage plans with lower premiums, better drug coverage, or extra benefits like dental and vision that your old plan didn’t offer.

Use the Medicare Plan Finder on Medicare.gov to compare all your options without any sales pressure. Some people save money each month just by moving to an area with more competitive plan options.

Ready to discover what Medicare options are available in your new location? Senior Benefit Services specializes in helping people find the perfect Medicare plan for their specific situation and location.

Medigap Plans Are Built for Nomads

Your Medicare Supplement insurance is designed to follow you anywhere in the United States.

Unlike Medicare Advantage plans that get territorial about coverage areas, Medigap plans work the same whether you’re in California or Connecticut. You keep the exact same benefits and the exact same plan.

The only thing that changes is your premium, and this is where moving can either cost you money or save you a fortune.

Different states have completely different rate structures for the same Medigap plan.

People can move from expensive states to cheaper states and cut their Medigap premiums significantly without losing a single benefit.

But here’s the insider secret that most people miss. Moving out of certain plan service areas gives you guaranteed issue rights, which means insurance companies can’t reject your application or charge you extra because of health problems.

These rights are like having a magic wand that protects you from medical underwriting. Without them, insurance companies can deny your application or charge you significantly more if you have pre-existing conditions.

The International Moving Strategy Most People Get Wrong

Moving to another country completely changes your Medicare game plan.

Your Medicare coverage won’t work overseas, but keeping your Original Medicare active while abroad is often the smart play.

Think of it as maintaining your membership so you can easily restart coverage if you return to the United States.

Medigap plans can also be maintained while living internationally, though your overseas coverage will be minimal.

Medicare Advantage and Part D plans are entirely different animals and can’t be kept or purchased while living outside the United States.

If you return to the United States after living abroad, you get a special two-month window to enroll in Medicare Advantage or Part D plans without penalties.

Step two is contacting your insurance companies directly. Social Security handles Original Medicare address changes, but your Medigap, Medicare Advantage, or Part D companies need separate notification.

For Medicare Advantage and Part D plans, use this conversation to start exploring new plan options in your destination area. Don’t wait until the last minute because the best plans can have limited enrollment capacity.

For Medigap coverage, ask about premium changes in your new state and whether you qualify for guaranteed issue rights that could help you switch to a better or cheaper plan.

Turn Your Move Into a Medicare Upgrade

Most people see moving as a Medicare hassle, but smart beneficiaries use relocation as an opportunity to upgrade their coverage or cut their costs.

The key is understanding your plan type and acting before your move creates problems.

Seniors Happy With Medicare Upgrade Senior Benefit Services Hagerstown MD

Most people see moving as a Medicare hassle, but smart beneficiaries use relocation as an opportunity to upgrade their coverage or cut their costs.

The key is understanding your plan type and acting before your move creates problems.

Moving doesn’t have to disrupt your healthcare or drain your wallet.
The Medicare system has built-in protections for people who relocate, but you have to know how to activate them.

Don’t leave your Medicare coverage to chance during your next move. Contact Senior Benefit Services today for expert guidance on maintaining or improving your Medicare benefits while relocating.

Our team specializes in helping Medicare beneficiaries navigate plan changes and find the best coverage options for their new location.

Contact Senior Benefit Services today at 1-800-924-4727 for expert guidance on making your Medicare work perfectly in your new location. Our team turns Medicare moving stress into Medicare moving success.

Senior Benefit’s Hagerstown Office

We are here to help. Contact us today!

(301)733-0085
(800) 924-4727

580 Northern Ave
Hagerstown, MD 21742

Hours :

Monday – Firday : 9am – 5pm EST
Sat & Sun: Closed

Senior Benefit’s Thurmont Office

We are here to help. Contact us today!

Hours :

Monday – Firday : 8am – 4pm EST
Sat & Sun: Closed

Senior Benefit’s Cumberland Office

We are here to help. Contact us today!

309 Willowbrook Road, Suite 1
Cumberland, MD 21502

Hours :

Monday – Firday : 9am – 5pm EST
Sat & Sun: Closed

Best Medicare Advantage Plan Comparison In MD, PA, WV and VA

Medicare Advantage Plan Comparison for MD, PA, WV, and VA

Turning 65 brings a flood of Medicare decisions that can feel like solving a puzzle with missing pieces. The good news?

Maryland, Pennsylvania, West Virginia, and Virginia residents have access to some of the most competitive Medicare Advantage plans in the country.

Best Medicare Advantage Plan Comparison In MD, PA, WV and VA Senior Benefit Services

Medicare Advantage plans may save you thousands of dollars annually while providing benefits that Original Medicare simply cannot match.

Hear From One Our Happy Customers !

Karen @ Senior Benefits is the best of the best. She has helped my wife over the past years to find affordable health insurance that meets all her needs. I went to Karen last fall and she found me better insurance that I previously had. We have recently moved to another state and she helped us find a new agent and worked with her to find me the best insurance available. She is very knowledgeable, personable and a kind soul. I highly recommend both Senior Benefits and Karen Simundson!

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Key Takeaways:

Why most people pick the wrong Medicare plan

Hidden costs that catch seniors off guard

Benefits beyond basic medical coverage available

Network restrictions that could surprise you

Simple steps to avoid common enrollment mistakes

Table of Contents

Why Medicare Advantage Plans Across MD, PA, WV and VA Are Different

These four states aren’t just any regions when it comes to Medicare coverage. You’ve got options here that residents in other states can only dream about.

The competition between major insurers has created a perfect storm of benefits across Maryland, Pennsylvania, West Virginia, and Virginia.

What does this mean for you? More choices, better coverage, and plans that actually make sense for your wallet. But here’s where it gets tricky.

With so many options comes the real challenge of picking the right one. Most people make their decision based on monthly premiums alone.

The Current Medicare Advantage Landscape Across These States

Medicare Advantage plans continue to evolve with new benefits and options across MD, PA, WV, and VA. Plans may offer coverage beyond what Original Medicare provides, giving you additional value for your healthcare needs.

Many plans now include dental and vision coverage. Some offer fitness benefits like gym memberships.

Others provide transportation to medical appointments or telehealth services. These additional benefits vary by plan, insurer, and state.

What’s available in Maryland might differ from options in Pennsylvania or West Virginia. Virginia residents may have access to plans that aren’t offered in other states.

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What Smart Residents Are Choosing Across MD, PA, WV and VA

Most Medicare shoppers aren’t just looking at what’s covered. They’re looking at what’s NOT covered. Every plan has gaps.

The question is whether those gaps matter for your specific situation.

Are you someone who needs frequent specialist visits? HMO plans might save you money but limit your choices. Do you split time between states or travel frequently between Maryland and Virginia? You need a plan with a network that works across state lines.

West Virginia residents might have different network considerations than those in Pennsylvania.

The best plan for your neighbor might be terrible for you. This is why cookie cutter advice doesn’t work. Your health, your finances, and your lifestyle are unique. Your Medicare plan should be too.

The Hidden Costs Nobody Warns You About

Monthly premiums get all the attention. But they’re just the tip of the iceberg. Copays, deductibles, and out of pocket maximums are where the real costs can add up.

Different plans structure their costs differently across these four states. Some plans may have low or zero premiums but higher copays for services.

Others may have monthly premiums but cover more services with lower out of pocket costs.
Understanding these differences is important for your budget planning.

This is the kind of comparison that matters when choosing your coverage in MD, PA, WV, or VA.

What Happens When You Get This Wrong

Once you enroll in a Medicare Advantage plan, you’re generally limited to making changes during specific enrollment periods.

This means you could be with a plan that doesn’t meet your needs for months before you can switch.

Choosing a plan with a limited network could mean your current specialists aren’t covered.

Picking a plan that doesn’t include your medications on their formulary could result in higher out of pocket prescription costs.

The good news is that avoiding these issues isn’t complicated. It just takes some research and honest assessment of your healthcare needs.

Why Now Is the Year to Pay Attention

Medicare Advantage plans continue to expand their benefit offerings across Maryland, Pennsylvania, West Virginia, and Virginia.

Many plans now include services that weren’t traditionally covered by health insurance. Some plans include meal delivery services for members recovering from hospital stays. Others offer nurse helplines for health questions.

Certain plans may cover alternative treatments that appeal to different health preferences.
These additional benefits can impact your overall healthcare experience.

The important question is determining which benefits align with your health needs and preferences in your specific state.

Making Your Decision

Shopping for Medicare Advantage plans isn’t fun. But neither is being stuck with inadequate coverage for a year.

The time you invest now in comparing current options across MD, PA, WV, and VA will pay dividends later. While the benefits for the current year are available to be seen, the benefits for next year’s plans are typically not available for review until October 1. This is why it is so important to book your appointment for this coming Annual Enrollment period now with one of our advisors so that you can get your questions answered. As you can imagine, our advisors get booked up quickly since the Annual Enrollment Period only lasts 37 business days.

So which Medicare Advantage plan is the best? The best plan for you might not be the best plan for someone else. Here are the questions you need to ask your agent:

Which plan are all my doctors part of the network?

Are all my prescriptions covered under the plan’s formulary?

What are my co-pays and co-insurance responsibilities?

What is the maximum annual out of pocket I am responsible for the year?

Your Next Steps

The Medicare Annual Open Enrollment period runs from October 15 through December 7. That’s your window to make changes or enroll in a new plan.

Don’t wait until December 6 to start looking. The most helpful agents get busy as the deadline approaches, so it is never to early to reach out and book an appointment with one of our top advisors for this upcoming Annual Enrollment Period.

Start your preliminary work now. Make a list of your current doctors and medications.

Think about what additional benefits would improve your life. Then start comparing your options systematically across Maryland, Pennsylvania, West Virginia, and Virginia. Your future self will thank you for taking the time to get this right.

Remember: the best Medicare Advantage plan is the one that fits your specific needs, budget, and lifestyle in your state. Our advisors work with most of the Medicare Advantage plans that are offered in MD, PA, WV, and VA.

Not the one with the catchiest TV commercial or the lowest advertised premium. Take control of your Medicare decision. Your health and your wallet depend on it.

Senior Benefit’s Hagerstown Office

We are here to help. Contact us today!

(301)733-0085
(800) 924-4727

580 Northern Ave
Hagerstown, MD 21742

Hours :

Monday – Firday : 9am – 5pm EST
Sat & Sun: Closed

Senior Benefit’s Thurmont Office

We are here to help. Contact us today!

Hours :

Monday – Firday : 8am – 4pm EST
Sat & Sun: Closed

Senior Benefit’s Cumberland Office

We are here to help. Contact us today!

309 Willowbrook Road, Suite 1
Cumberland, MD 21502

Hours :

Monday – Firday : 9am – 5pm EST
Sat & Sun: Closed

How Do I Get Medicare To Pay For Home Care Near MD, PA, WV?

How Do I Get Medicare To Pay For Home Care?

A recent analysis found that most Maryland seniors who need Medicare to pay for home care either don’t know Medicare covers it or think they don’t qualify when they actually do.

This is why that’s devastating: the average cost of private home health care in Maryland runs thousands per month, which means missing out on Medicare coverage could cost you massive amounts annually for just basic nursing visits.

Medicare To Pay For Home Care - Senior Benefit Services Hagerstown, MD

What You Will Learn About Medicare To Pay For Home Care

Medicare covers way more home services than people realize

One missing requirement kills your entire claim instantly

Hidden eligibility rules could unlock thousands in benefits

Maryland offers programs that work with Medicare coverage

Most denials happen from easily avoidable mistakes

We’ve been helping families navigate Medicare for decades, and we’ve seen too many people pay out of pocket for services Medicare would have covered completely.

The good news? Once you understand how Medicare To Pay For Home Care coverage actually works, you can access skilled nursing care, therapy services, and medical equipment at zero cost when you meet the requirements.

Table of Contents

The Hidden Truth About Medicare Home Health Coverage

After decades in this business, nobody wants to tell you about Medicare home health coverage:

Medicare covers eligible home health services at zero cost when you meet all the requirements. That’s right. Zero cost for covered services.

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What trips up most people about Medicare To Pay For Home Care

Medicare only covers skilled nursing care, therapy services, and medical social services when they’re medically necessary and ordered by your doctor.

They don’t cover someone to help you shower, cook meals, or do laundry unless you’re also getting skilled medical care.

Think of it like ordering a combo meal where you can’t just get the fries. You need the medical “burger” to get the personal care “fries.”

Most people assume Medicare To Pay For Home Care is just for people leaving the hospital. Wrong. You can qualify for Medicare home health services whether or not you’ve been hospitalized, as long as you meet the other requirements.

Hear From one of Our Happy Clients

“I started my search for Medicare with Senior Benefit Services. I knew nothing, and they got me started. I researched all options available to me, from multiple online sources, but in the end, for the same price, I got the personalized assistance of a professional with decades of experience.” – Kenny Bohrer, Maryland Resident

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What Medicare Actually Covers for Home Health in Maryland

Medicare covers skilled nursing care for things like wound care, medication management, and monitoring serious health conditions. This isn’t your typical “check on grandma” visit.

We’re talking about medical professionals providing hospital-level care in your living room.
Physical therapy, occupational therapy, and speech therapy are covered when medically necessary.

If you’re recovering from a stroke, hip replacement, or other condition that affects your mobility or daily functioning, these services can be lifesavers.

More Community Resources for Medicare To Pay For Home Care

Medical social services help coordinate your care and connect you with community resources. This often overlooked benefit can be huge for families dealing with complex medical situations.

Home health aide services are covered, but only when you’re also receiving skilled nursing or therapy services. This is where people get confused. You can get help with bathing and personal care, but only as part of a broader medical treatment plan.

Medicare specifically doesn’t cover: custodial care that helps with daily living activities like bathing, dressing, or using the bathroom when this is the only care you need.

The Four Requirements That Make or Break Your Coverage

Getting Medicare home health coverage requires meeting four specific criteria, and missing even one kills your entire claim.

1st Requirement

The very first requirement is you must be homebound. This means you have trouble leaving your home without help like using a cane, wheelchair, walker, crutches, special transportation, or help from another person because of illness or injury.

4 Requirements That Make or Break Your Coverage - Senior Benefit Services Hagerstown, Maryland

You can still leave home for medical treatment or short, infrequent absences for non-medical reasons like attending religious services. You can even attend adult day care and still qualify as homebound.

2nd Requirement

Second, your doctor must order the care. A healthcare provider must assess you face to face before certifying that you need home health services. No doctor’s order means no coverage, period.

3rd Requirement

Third, you need skilled care. You must need part-time or intermittent skilled nursing care, physical therapy, or speech therapy services. The care has to require a medical professional, not just someone to help around the house.

4th Requirement

Fourth, you must use a Medicare-certified agency. A Medicare-certified home health agency must provide the services. Using a non-certified provider means you pay everything out of pocket.

How Much Medicare Pays and for How Long

Medicare home health gets really good: for all covered home health services, you pay nothing.

There’s no limit on the number of visits as long as you continue to meet eligibility requirements and your doctor continues to certify your need for care.

Each certification period lasts up to sixty days, and your doctor can recertify you for additional periods if medically necessary.

The only cost you might face? You pay twenty percent of the Medicare-approved amount for durable medical equipment like wheelchairs or walkers used at home.

Let me put this in perspective. Private nursing visits in Maryland cost significant amounts per hour.

Physical therapy runs substantial costs per session. If you need twice-weekly nursing visits and physical therapy for three months, you’re looking at thousands in costs that Medicare covers completely when you qualify.

Maryland’s Secret Weapon: Dual Coverage Strategy

Get-Your-Free-Medicare-Quote-And-Choose-The-Right-Medicare-Plan-For-Your-With-Senior-Benefit-Client-in-MD-PA-WV-Woman

Maryland residents have access to both Medicare and Medicaid home care programs, and understanding how they work together can save you thousands while keeping you in your home longer.

Medicare focuses on skilled medical services. Medicaid provides coverage for low-income seniors who are also enrolled in Medicare.

When you qualify for both programs (called dual eligibility), Medicaid can pick up services Medicare doesn’t cover. Medicaid covers additional services beyond those provided under Medicare.

How it works in practice: Medicare covers your skilled nursing visits for wound care. Maryland Medicaid might help with personal care services, like help with bathing or meal preparation, that Medicare won’t cover alone.

Services covered by both programs are first paid by Medicare, with Medicaid filling in the difference up to the state’s payment limit.

What if you do not qualify for dual eligibility? If your current household income levels do allow you to qualify for Medicaid benefits, then you should be considering a stand-alone home health care plan.

These plans are more affordable than a traditional long-term care insurance plan and provide benefits to allow you to recover in the comfort of your own home.

It is important to keep in mind that Medicare does not cover your typical custodial home health care services, such as general supervision, homemaker services, or help with activities of daily living, such as eating, bathing, dressing, and mobility.

This is where a stand-alone home health care insurance plan or a long-term care insurance plan will come into play. Want to learn more about home health care expenses, be sure to read our post here.

Finding Quality Providers in Maryland

Not all home health agencies are created equal, and Medicare only pays for services from certified providers.

Look for agencies with four or five-star ratings and read their detailed quality measures.

Ask about their experience with your specific medical conditions.

Seniors talking about Medicare To Pay For Home Care and Eligible For Medicare in 2025 in Maryland?

Some agencies specialize in wound care, others in cardiac rehabilitation or diabetes management. Make sure they have staff available when you need them and can coordinate effectively with your doctors.

The agency should explain exactly what Medicare will and won’t cover before starting services. Before you start getting your home health care, the home health agency should tell you how much Medicare will pay and tell you both verbally and in writing if Medicare won’t pay for any items or services. Start your search using the Medicare’s Medicare Compare website to begin your search.

Common Mistakes That Kill Claims

Most Medicare home health denials happen because of easily preventable errors, not because people don’t qualify.

The biggest mistake? Not getting proper physician certification. Your doctor needs to create a detailed plan of care that explains why you need skilled services and why you’re homebound.
Second biggest mistake?

Assuming you don’t qualify because you can still get around sometimes. The homebound requirement allows for occasional outings as long as leaving home requires considerable and taxing effort.

Third mistake? Waiting too long to apply. Start the process as soon as you realize you might need home health services. Getting everything approved and coordinated takes time.

Your Next Steps

When you’re having trouble getting around safely or managing medical care at home, talk to your doctor about Medicare home health services. Don’t wait until you’re in crisis mode.

You might find yourself dealing with a chronic condition that requires ongoing medical management, but ask your physician if home health services might be appropriate for your situation.

Sometimes, you can think you automatically qualify if you have been denied Medicare home health coverage, but don’t assume you don’t qualify. Many denials get overturned on appeal when the paperwork is done correctly

Understanding Medicare home health coverage isn’t just about getting care at home. It’s about maintaining your independence and avoiding unnecessary nursing home placement that could cost you everything you’ve worked to build.

Free Personalized Medicare Quote With Senior Benefit Client Near

At Senior Benefit Services, we’ve spent decades helping Maryland families understand their Medicare benefits and coordinate care that keeps them healthy and independent.

We know which home health agencies provide the best care, how to appeal wrongful denials, and how to coordinate Medicare with other programs to maximize your benefits.

If you’re facing decisions about home health care, don’t navigate this complex system alone.
The key to successful Medicare home health coverage is understanding the rules before you need the services. The families who plan ahead get better care at lower costs.

The ones who wait until emergencies end up paying unnecessarily or going without needed care.

Your health and independence are too important to leave to chance. Don’t go through this process alone when you have questions about Medicare home health coverage. Senior Benefit Services has helped thousands of Maryland families understand their Medicare benefits. Get your free consultation today at (800) 924-4727.

Senior Benefit’s Hagerstown Office

We are here to help. Contact us today!

(301)733-0085
(800) 924-4727

580 Northern Ave
Hagerstown, MD 21742

Hours :

Monday – Firday : 9am – 5pm EST
Sat & Sun: Closed

Senior Benefit’s Thurmont Office

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Monday – Firday : 8am – 4pm EST
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Senior Benefit’s Cumberland Office

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Cumberland, MD 21502

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Medicare vs Medicaid: Don’t Make This Expensive Mistake

Most Americans approaching retirement age don’t understand the Medicare vs Medicaid difference.

Medicare vs Medicaid: What’s the Difference?

Making the wrong assumption about understanding Medicare’s real advantages, and how these programs could cost you thousands in uncovered medical expenses.

This could leave you completely unprotected when a health crisis hits.

Medicare vs Medicaid - Senior Benefit Serivces Hagerstown MD

We’ve been in this industry for decades, and we’ve seen families lose their homes because they didn’t understand these differences.

The good news? Once you grasp how Medicare vs Medicaid coverage actually works, you can create a healthcare safety net that protects both your health and your life savings.

Some people even discover they qualify for both programs, essentially getting premium healthcare coverage for a fraction of the cost.

Let’s explore how you can benefit from getting this right before it’s too late.

What You Will Learn

Most people completely miss these eligibility requirements

One program has secret lifetime penalties that compound forever

There’s a hidden dual coverage strategy worth thousands annually

Your state determines if you save money

Missing one deadline could cost you more in life

Table of Contents

The Truth About These Programs

After decades in this business, we’ve learned that the biggest source of confusion comes from people assuming these programs work similarly because they’re both government health insurance. They don’t work similarly at all.

But here’s where it gets wild. Most people think Medicare is complicated and expensive. Wrong. Medicare actually provides predictable, comprehensive coverage that you can build a retirement plan around.

Then they assume Medicaid is easier because it’s “free.” Also wrong. Medicaid requires you to be broke first and offers zero geographic flexibility.

See the problem? People are making life-altering financial decisions based on misconceptions instead of facts that could save them thousands.

Hear From One of Our Happy Customers!

“Kayla was brilliant! I could not have done any of this Medicare stuff without her help. She walked me through every step in a way that I could understand, helping me make the right decisions for my needs. Any time that I had a question or concern, she was always there to help me. I am extremely grateful for everything that she has done for me and continues to do.” – Kelli

The Medicare vs Medicaid Reality Nobody Talks About

Let’s start with Medicaid since most people have it completely backwards. Medicaid isn’t about age. It’s about being broke. Your income and assets must fall below strict state limits, and here’s the kicker: those limits change every time you cross a state line.

Move from Maryland to Florida? Your Medicaid benefits could disappear overnight. Relocate to be closer to grandchildren? You might lose prescription coverage entirely because your new state runs Medicaid differently.

Here’s what people don’t realize about Medicaid: it only kicks in AFTER you’ve spent down your life savings to poverty levels. Sure, Medicaid services cost nothing if you qualify. No premiums. No deductibles. No co-pays.

But qualifying means you’ve already lost your financial independence. Think about that for a moment. Medicaid helps you after you’re broke. That’s not retirement planning. That’s emergency assistance.

Here’s What People Are Doing Instead

The savvy retirees who maintain their wealth and dignity don’t wait around hoping they’ll qualify for Medicaid.

They take control of their healthcare future by understanding Medicare’s real advantages.

Medicare vs Medicaid Senior Benefit Services Hagerstown, MD

These smart planners recognize that Medicare is more than just basic government insurance. It’s a comprehensive healthcare foundation that you can build upon to create bulletproof retirement protection.

They know that with the right Medicare strategy, you can get excellent care while keeping every dollar you’ve worked decades to save.

While others are crossing their fingers, hoping Medicaid will be there when they need it, Medicare-smart families are locking in predictable healthcare costs that follow them anywhere in America.

They’re choosing Medicare Advantage plans with extras like dental and vision, or pairing original Medicare with Medigap policies that eliminate surprise medical bills.

The difference is night and day. Medicaid hopefuls spend their golden years worrying about qualifying for poverty assistance. Medicare planners spend their retirement enjoying the security that comes from having earned benefits that can’t be taken away based on where they live or how their state’s politics change.

Most importantly, they understand that Medicare planning isn’t just about healthcare coverage. It’s about maintaining the independence and choice that comes from keeping your assets while getting the care you deserve.

Why Medicare Destroys Medicaid for Retirement Planning

Now let’s talk about Medicare, the program that actually makes sense for people who want to retire with dignity. Medicare works exactly the same whether you live in California or Alabama. Same rules, same benefits, same costs.

This consistency lets you plan your retirement without worrying about state politics.

Medicare Part A covers hospital stays and comes “free” if you worked long enough. You’ve earned this benefit through decades of payroll taxes. It’s not charity. It’s your money.
Medicare Part B handles doctor visits and outpatient care.

Yes, it costs money every month, but it provides predictable, nationwide coverage that travels anywhere you want to retire.

Medicare Part C (Medicare Advantage) lets private companies enhance your benefits with extras like dental, vision, and prescription coverage that original Medicare doesn’t include. Medicare Part D covers prescriptions, filling the biggest gap in original Medicare.

Here’s the game changer: you can buy Medigap insurance to eliminate almost all out-of-pocket costs while keeping your assets intact. Try doing that with Medicaid. You can’t because you have to be broke to qualify.

Medicare vs Medicaid: The Numbers Don’t Lie

Let’s talk real money without sugarcoating anything. Average nursing home costs in our region are staggering monthly expenses.

Medicaid covers this cost, but only after you’ve spent your life savings down to almost nothing in most states.

We’ve seen families save their entire inheritance by understanding this difference.

Families who plan around Medicare tend to maintain their wealth. The ones who hope for Medicaid lose everything first.

Contact Senior Benefit Services today to learn how to maximize your Medicare benefits and avoid the Medicaid poverty trap.

The Double Coverage Secret

Here’s where things get interesting for people with limited income.

Some people qualify for both Medicare and Medicaid simultaneously.

We call this “dual eligible,” and it’s like winning the healthcare lottery.

We’ve watched dual-eligible people get comprehensive healthcare, including dental, vision, and prescription coverage, for basically nothing.

But here’s the crucial point most people miss: even with dual eligibility, Medicare is your primary coverage. It’s the foundation that makes everything else possible.

The Geographic Advantage That Changes Everything

Here’s a Medicare vs Medicaid difference that smart retirement planners obsess over. Medicare follows you anywhere in America.

Move to any state and your benefits stay identical. Want to winter in Florida and summer in Maryland?

Medicare doesn’t care. Thinking about retiring to a lower-cost state? Medicare makes that possible.

Medicaid doesn’t travel. At all. We’ve seen retirees lose prescription coverage entirely because they moved from a generous Medicaid state to a restrictive one.

Medicare’s portability gives you retirement freedom that Medicaid destroys.

The Asset Protection Strategy

Let’s get down to what really matters: protecting your money. Medicaid requires you to spend down your assets before it helps.

It’s financial protection after you’ve lost your wealth.
Medicare lets you keep your assets while getting excellent care. You can budget for predictable monthly costs and protect against catastrophic expenses with supplemental coverage.

Here’s the math that matters: A Couple with substantial retirement savings needs long-term care.

Medicaid path: Spend down to almost nothing, then get “free” care. Result: lose almost everything. Medicare path: Use proper planning to protect assets while paying for care. Result: keep wealth and get excellent treatment.

The difference isn’t just money. It’s dignity, choice, and leaving something for your family.

Your Medicare Action Plan

Here’s exactly what you need to do right now: If you’re approaching retirement age, start researching Medicare enrollment deadlines well before your birthday.

Missing these deadlines costs you money forever, but proper planning gets you the coverage you’ve earned.

If your income is limited, investigate Medicare Savings Programs that help pay Medicare premiums without requiring you to become impoverished like Medicaid does.

If you think you might qualify for both programs, understand that Medicare remains your primary coverage and the foundation of your healthcare plan.

Most importantly, stop thinking about Medicaid as retirement planning. It’s not. It’s poverty assistance.

Ready to secure your Medicare future? Call Senior Benefit Services at (800) 924-4727 for a consultation that will help you maximize your Medicare benefits and protect your retirement security.

The Bottom Line: Medicare Wins Every Time

Look, we’ve been doing this for decades, and the math is simple. Medicare protects your assets while providing excellent care. Medicaid provides care after you’ve lost your assets.

One is retirement planning. The other is emergency assistance. The families who understand this difference retire with dignity and leave inheritances for their children.

The ones who ignore Medicare planning end up broke and dependent on government assistance.

You’ve been paying into Medicare your entire working life. It’s not charity. It’s your earned benefit that deserves to be maximized.

At Senior Benefit Services, we’ve built our reputation over decades by helping people understand one simple truth: Medicare is the foundation of smart retirement healthcare planning. We serve families throughout Maryland, Virginia, and West Virginia because we are deeply familiar with these markets.

We know which Medicare plans provide the best value, which insurance companies pay claims, and how to coordinate Medicare benefits to create comprehensive coverage that protects your wealth.

Most importantly, we understand that choosing Medicare over hoping for Medicaid is the difference between retiring with dignity and spending your golden years worrying about money.

Because understanding Medicare vs Medicaid isn’t just about healthcare. It’s about protecting everything you’ve worked your entire life to achieve while ensuring you get the excellent coverage you deserve.

Your Medicare benefits are too valuable to leave to chance. Let us help you turn them into a retirement healthcare strategy that works.

Don’t wait until you’re broke to get help. Plan with Medicare now and keep your wealth forever.

Senior Benefit’s Hagerstown Office

We are here to help. Contact us today!

(301)733-0085
(800) 924-4727

580 Northern Ave
Hagerstown, MD 21742

Hours :

Monday – Firday : 9am – 5pm EST
Sat & Sun: Closed

Senior Benefit’s Thurmont Office

We are here to help. Contact us today!

Hours :

Monday – Firday : 8am – 4pm EST
Sat & Sun: Closed

Senior Benefit’s Cumberland Office

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309 Willowbrook Road, Suite 1
Cumberland, MD 21502

Hours :

Monday – Firday : 9am – 5pm EST
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Does Medicare Cover Hearing Tests in MD, PA, WV?

Does Medicare cover hearing tests in Maryland, Pennsylvania, Virginia, and West Virginia?

Here’s what you need to know about how Medicare covers hearing tests and hearing test coverage in these states.

As we age, clear hearing becomes vital, yet many older adults struggle to access affordable screenings.

The good news? If your doctor orders a diagnostic exam, certain benefits may apply.
Original plans don’t include routine checks or devices like hearing aids, but Medicare Advantage plans sometimes offer extra perks.

Need clarity? We guide residents across multiple states to maximize their benefits.

Table of Contents

Key Takeaways

Diagnostic exams are covered if medically necessary.

Routine tests and hearing aids aren’t included.

Part B requires meeting the annual deductible plus 20% coinsurance.

Approximately 98% of hearing loss cases can be treated with hearing aids.

We help decode policies for MD, PA, and WV residents.
Understanding Medicare Coverage for Hearing Tests

Navigating hearing health benefits can be confusing under federal health plans. We simplify the rules so you know exactly what to expect.

What Original Medicare Covers (And Doesn’t Cover)

Original Medicare pays for diagnostic exams if a doctor orders them to investigate symptoms like sudden hearing loss. After meeting the annual Part B deductible, Original Medicare covers 80% of costs.

However, routine check-ups or devices like hearing aids aren’t included. Approximately 48 million Americans (nearly 15% of the population) experience some form of hearing loss, yet Medicare provides no coverage for the estimated $900-$6,000 cost of quality hearing aids.

One client, Melody Poniatowski, wrote:

“Sharon Sass has been a great help to my mom!!!! She has been helping us for a few years. I don’t know what we would do without her assistance!!! I highly recommend Sharon to everyone who needs help finding the right plan for their elderly loved ones.”

Diagnostic vs. Routine Hearing Exams

A diagnostic exam addresses specific concerns, such as infections or balance issues. These qualify for coverage. Annual screenings, though helpful, fall under routine care and aren’t paid for.
Without supplemental insurance, you’ll pay 20% of approved costs out-of-pocket. We helped Linda access VA benefits after her claim was denied, saving her approximately $1,500.
Always verify your plan’s services before scheduling tests. State programs or Medicaid might offer alternative paths.

Medicare Advantage Plans: Expanded Hearing Benefits

Hearing care shouldn’t be a luxury, yet many health plans treat it that way. Medicare Advantage changes this by offering annual exams and device coverage that Original Medicare excludes. For Pennsylvania and West Virginia residents, partnerships like Humana and TruHearing unlock significant savings of up to 70% off retail prices.

How Advantage Plans Differ from Original Medicare

Unlike Original Medicare, Advantage plans often include routine hearing exams and partial coverage for devices. Humana’s plans, for example, offer $0 copay annual checks and hearing aids starting at $399, compared to the retail price averaging $2,300 per ear. One satisfied client shared:

State-Specific Hearing Care in MD, PA, and WV

Access to quality hearing care varies by state, and here’s how residents in MD, PA, and WV can benefit. Local partnerships and specialized programs bridge gaps left by federal plans. We’ll explore top options in each region.

Local Medicare Advantage Offerings

Pennsylvania’s UPMC Health Plan members can combine benefits with Lions Club subsidies for extra savings of up to 80%.

In West Virginia, WVU Medicine collaborates with Charleston VA Hospital to provide free ear exams for veterans. These networks make hearing care more accessible.
Additional Resources for Hearing Health

Beyond insurance, state programs help:

Maryland Medicaid covers hearing aids for low-income adults (serving approximately 65,000 eligible residents)

Pennsylvania Lions Clubs offer refurbished devices at 80% off retail prices

West Virginia VA hospitals provide free annual screenings to over 145,000 veterans
We partner with 23 clinics across these states. For a full list, download our free Tri-State Hearing

What Our Clients Say About Their Hearing Care Journey

Real stories often reveal the true impact of quality hearing care. For older adults, finding the right support can transform daily life. Here’s how we’ve helped clients across three states.

Success Stories from Maryland

A Baltimore resident saved $2,100 yearly after switching to an Aetna Advantage plan we recommended. “I finally joined family dinners without straining,” they shared. Their diagnostic exam uncovered hearing loss linked to chronic ear infections, which is now fully managed.

A Harrisburg couple accessed Bluetooth-enabled aids through UPMC health insurance.

“We stream music directly to our devices, which is a game-changer!” The Harrisons, PA
Their plan covered 80% of the costs, making advanced tech affordable.

West Virginia Testimonials

A Morgantown veteran combined VA benefits with a Humana plan for zero out-of-pocket expenses. “The team navigated every part of the process,” he said. Now, he attends grandkids’ soccer games without missing a cheer.

Join 428 satisfied patients. Schedule your free consultation today. Let’s write your success story next.

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Frequently Asked Questions About Medicare Coverage For Hearing Tests

Does Original Medicare pay for hearing tests?

Original Medicare (Part B) may cover diagnostic exams if ordered by a doctor for medical reasons. Routine check-ups are not included.

Can Medicare Advantage help with hearing aid costs?

Many Advantage plans offer extra benefits like annual exams and partial coverage for devices. Check your plan details for specifics.

Are there differences in coverage between states?

While federal rules apply nationwide, local Advantage plans in Maryland, Pennsylvania, and West Virginia may offer unique hearing care options.

How often can I get a hearing test with Medicare?

Under Original Medicare, only medically necessary tests are covered. Advantage plans often include one annual exam as part of their benefits.

What if I need hearing aids but can’t afford them?

Some state programs, nonprofits, and Advantage plans provide financial assistance. We can help explore options based on your location.

Time is running out to secure the best hearing care options. The Annual Enrollment Period ends December 7, lock in benefits before plan changes take effect.

Our free quotes compare up to 12+ Medicare Advantage plans with hearing aid perks in your area. No obligation, just expert guidance.

Call 800-924-4727 now or click below for a personalized analysis. Plus, check out our article on Does Medicare Cover an Audiologist?

Your satisfaction is guaranteed. Don’t wait, better coverage starts today.

Senior Benefit’s Hagerstown Office

We are here to help. Contact us today!

(301)733-0085
(800) 924-4727

580 Northern Ave
Hagerstown, MD 21742

Hours :

Monday – Firday : 9am – 5pm EST
Sat & Sun: Closed

Senior Benefit’s Thurmont Office

We are here to help. Contact us today!

Hours :

Monday – Firday : 8am – 4pm EST
Sat & Sun: Closed

Senior Benefit’s Cumberland Office

We are here to help. Contact us today!

309 Willowbrook Road, Suite 1
Cumberland, MD 21502

Hours :

Monday – Firday : 9am – 5pm EST
Sat & Sun: Closed

Medicare Telehealth Coverage Guide For Seniors 2025

Medicare Telehealth Coverage Guide for Seniors | Senior Benefit Services

Imagine having a doctor’s appointment while still in your pajamas, or getting medication adjusted without the hassle of parking, waiting rooms, or exposure to illness. Telehealth makes all this possible, providing convenient access to healthcare from the comfort of your home.

These services are revolutionizing how seniors receive healthcare – but many beneficiaries aren’t taking full advantage of this convenient option simply because they don’t understand what’s covered.

For countless seniors across Maryland and beyond, telehealth has become a lifeline – providing access to quality care without transportation barriers, mobility challenges, or concerns about infection exposure.

At Senior Benefit Services, we’ve helped hundreds of Medicare beneficiaries navigate these benefits, and we’ve seen firsthand how virtual care can transform lives when patients understand their coverage.

This service is currently extended through September 30, 2025, and now is the perfect time to understand your options before significant changes take effect.

Let us walk you through everything you need to know about this coverage, helping you maximize your benefits while they’re at their most expansive.

Key Takeaways

Coverage: Telehealth anywhere? Only until this crucial date

Changes: The rural restriction you didn’t expect

Cost: The truth about telehealth vs. in-person pricing

Advantage: Why some Medicare plans win the telehealth game

Planning: Act now before policies transform

What is Medicare Telehealth Coverage?

This refers to healthcare services delivered remotely using telecommunications technology. Instead of visiting a doctor’s office in person, you connect with healthcare providers through video calls, phone calls, or other digital platforms.

Types of Services

Medicare covers a variety of telehealth services, allowing you to receive care without leaving your home. These include:

Virtual doctor visits: Real-time video consultations with physicians

Mental health counseling: Individual and group therapy sessions

Urgent care consultations: For non-emergency health concerns

Medication management: Discussing and adjusting prescriptions

Preventive health screenings: Annual wellness visits and health risk assessments

Specialist consultations: Access to specialists who might not be available locally

Through September 30, 2025, Medicare beneficiaries can access this services from any location in the U.S., including their homes. However, starting October 1, 2025, most services will require patients to be in a healthcare facility located in a rural area.

How Telehealth Differs from Traditional In-Person Care

This service provides many of the same benefits as in-person appointments but with added convenience. Key differences include:

Location flexibility: Receive care from home or another comfortable setting

Reduced travel time: No need to commute to medical facilities

Lower infection risk: Avoid exposure to contagious illnesses in waiting rooms

Access to specialists: Connect with healthcare providers regardless of geographic limitations

Caregiver involvement: Family members can more easily participate in appointments

Does Medicare Cover Telehealth?

Yes, Medicare does cover services, though coverage varies depending on whether you have Original Medicare or a Medicare Advantage plan.

Original Medicare (Parts A & B) Telehealth Coverage

Under Original Medicare, Part B (Medical Insurance) covers approved telehealth services. Recent legislation has extended this service through September 30, 2025, including the ability to receive telehealth services from any location, including your home, regardless of whether you live in a rural or urban area.

Key coverage details include:

Provider eligibility: Must be Medicare-approved provider

Technology requirements: Most services require two-way, real-time audio and video communication

Audio-only options: Some services can be provided via telephone if video isn’t possible

Covered services: Includes doctor visits, mental health counseling, preventive screenings, and more

Medicare Advantage (Part C) Telehealth Coverage

Medicare Advantage plans typically offer more extensive benefits than Original Medicare. Many Medicare Advantage plans include:

Expanded Telehealth service: Coverage for services beyond what Original Medicare covers

24/7 virtual care options: Access to healthcare professionals around the clock

Lower out-of-pocket costs: Some plans offer reduced or waived copays

Built-in technology solutions: Dedicated apps or platforms for connecting with providers

Since Medicare Advantage plans are offered by private insurance companies, telehealth coverage varies by plan. It’s essential to check your specific plan’s details to understand what’s covered.

Which Services Are Covered by Medicare?

Medicare covers a wide range of services, making it possible to address many healthcare needs virtually.

Covered Services Under Medicare

Medicare-covered services include:

Office visits: Routine check-ups and consultations with primary care physicians

Mental health services: Therapy, counseling, and psychiatric evaluations

Preventive care: Annual wellness visits and health risk assessments

Specialist consultations: Appointments with specialists like cardiologists or neurologists

Chronic care management: Ongoing care for conditions like diabetes or heart disease

Emergency care assessments: Evaluation of urgent but non-life-threatening conditions

Physical therapy: Some rehabilitation services can be delivered virtually

Speech therapy: Sessions for speech and language disorders

Occupational therapy: Help with performing daily activities

Nutritional counseling: Guidance on diet and nutrition

Special Provisions for Mental Health Services

Mental health services have special provisions that extend beyond the September 2025 deadline. For mental health services, the requirement for an in-person visit within six months of initial telehealth service, and annually thereafter, remains waived through September 30, 2025. Hhs

This makes telehealth particularly valuable for ongoing mental health care, allowing consistent therapy without interruption.

Coverage Costs Under Medicare

Understanding what you’ll pay for helps you budget for virtual healthcare.

For Original Medicare beneficiaries:

You’ll pay the Part B deductible if you haven’t met it yet

After meeting the deductible, you pay 20% of the Medicare-approved amount

The cost is typically the same as what you would pay for in-person services

For Medicare Advantage beneficiaries:

Costs vary by plan

Many plans offer reduced copays or coinsurance

Some plans may waive costs entirely for certain services

Comparing Costs:

While the Medicare coverage percentage remains the same (80% after deductible), telehealth may still offer cost advantages:

Eliminated travel expenses: No costs for gas, parking, or public transportation

Reduced time costs: Less time away from work or other responsibilities

Fewer incidental expenses: No need for meals out or other expenses that often accompany medical appointments

How to Access Service

Getting started with telehealth is straightforward once you understand the process.

Steps to Begin

Confirm coverage: Verify that your specific Medicare plan covers the service you need

Choose a provider: Select a Medicare-approved telehealth provider

Schedule an appointment: Book your virtual visit through your provider’s office

Prepare technology: Ensure you have the necessary device (smartphone, tablet, or computer) and internet connection

Join the visit: Log in to your appointment at the scheduled time using the provided link or app

Technology Requirements

To participate you’ll need:

Device: Smartphone, tablet, or computer with a camera and microphone

Internet connection: Reliable broadband or cellular data connection

Software/apps: Any required platforms or applications

Private space: A quiet, well-lit area for your appointment

If you don’t have access to video technology, Medicare allows audio-only through September 30, 2025, for non-behavioral/mental health services when video isn’t possible. Hhs

Important Changes to Coverage in 2025

Medicare telehealth coverage is currently in a transitional period, with significant changes on the horizon.

Current Medicare Telehealth Flexibilities

On March 15, 2025, Congress passed a federal government spending bill that extended essential provisions through September 30, 2025. ATA These flexibilities include:

Location flexibility: Receive services from any location, including your home

Provider eligibility: Expanded list of eligible providers

Technology options: Audio-only services when video isn’t available

Rural requirements waived: No geographic restrictions

What Happens After September 30, 2025?

After September 30, 2025, without further extensions, Medicare coverage will change significantly. Most telehealth services will require patients to be in a healthcare facility located in a rural area.

However, there will be important exceptions, including:

Mental health services: Continue to be available at home regardless of location

End-Stage Renal Disease (ESRD) services: Monthly home dialysis visits

Stroke treatment: Services for acute stroke diagnosis and treatment

Medicare Advantage plans: May continue to offer broader benefits

Medicare Advantage and Telehealth: Enhanced Benefits

Medicare Advantage plans typically offer more comprehensive telehealth coverage than Original Medicare.

How Medicare Advantage Plans Enhance Telehealth Options

Many Medicare Advantage plans provide:

Broader service coverage: More types of virtual care services covered

More provider options: Larger networks of telehealth providers

Integrated platforms: Easy-to-use telehealth platforms or apps

Continued flexibility: Some plans may maintain telehealth benefits beyond the September 2025 deadline

Additional virtual services: Remote monitoring, virtual check-ins, and other digital health tools

Finding the Right Medicare Advantage Plan for Telehealth

If telehealth is important to you, consider these factors when choosing a Medicare Advantage plan:

Telehealth network: Ensure your preferred providers are in-network for telehealth

Service coverage: Check which specific telehealth services are covered

Technology support: Look for plans that offer assistance with telehealth technology

Cost-sharing: Compare copays and coinsurance for telehealth services

Long-term commitments: Consider how the plan will handle telehealth after September 2025

Preparing for the October 2025 Telehealth Changes

Planning ahead is crucial to ensure continuity of care when Medicare telehealth coverage changes.

Steps to Take Before the 2025 Deadline

Healthcare organizations and patients should prepare for potential changes by identifying which telehealth services may no longer be covered, developing transition plans for affected patients, and considering alternative care options. Telehealthresourcecenter

For Medicare beneficiaries, recommended actions include:

Talk to your healthcare providers: Discuss how your care will continue after the deadline

Review your Medicare coverage: Understand what telehealth benefits you’ll maintain

Consider Medicare Advantage: Explore plans with robust telehealth benefits

Identify in-person alternatives: Locate accessible healthcare facilities for necessary in-person care

Explore transportation options: Research services that can help you reach in-person appointments

Stay informed: Watch for potential further extensions or permanent telehealth provisions

Telehealth Success Stories: How Seniors Benefit

Real-world examples demonstrate the positive impact of telehealth for Medicare beneficiaries.

Case Studies: Telehealth Transforming Senior Healthcare

Case Study 1: Rural Access to Specialists
Martha, 78, lives in rural Maryland and needs regular cardiology follow-ups. Before telehealth, she traveled three hours each way to see her specialist. Now, she connects virtually for most appointments, saving time and reducing physical strain.

Case Study 2: Chronic Condition Management
James, 70, manages diabetes and uses telehealth for monthly check-ins with his healthcare team. Virtual visits have improved his medication adherence and allowed for more frequent monitoring without the burden of frequent office visits.

Case Study 3: Mental Health Support
Eleanor, 82, began experiencing depression after her husband’s passing. Through Medicare-covered telehealth therapy sessions, she receives weekly counseling from her home, removing transportation barriers that would have otherwise prevented consistent care.

Tips for Successful Medicare Telehealth Visits

Maximize the value of your virtual healthcare appointments with these practical strategies.

Before Your Telehealth Appointment

Test your technology: Ensure your device, internet, camera, and microphone work properly

Gather medical information: Have your medication list, recent symptoms, and health history ready Prepare questions: Write down concerns you want to address

Set up your space: Find a quiet, private area with good lighting

Check your coverage: Verify your telehealth visit is covered by Medicare

During Your Telehealth Visit

Be ready early: Log in 5-10 minutes before your scheduled appointment

Take notes: Document important information and instructions

Be specific: Clearly describe symptoms or concerns

Ask for clarification: Don’t hesitate to request explanations if something is unclear

Discuss follow-up: Understand next steps, including any necessary in-person care

Medicare Telehealth Coverage for Specific Conditions

Telehealth can be particularly valuable for managing certain health conditions common among seniors.

Chronic Disease Management via Telehealth

Medicare covers telehealth services for managing many chronic conditions, including:

Diabetes: Virtual check-ins for blood sugar monitoring, medication adjustments, and lifestyle coaching

Heart disease: Remote monitoring of vital signs, medication management, and symptom assessment

COPD and asthma: Virtual pulmonary rehabilitation and breathing assessments

Hypertension: Blood pressure monitoring and medication adjustments

Arthritis: Pain management consultations and exercise guidance

Mental Health Services via Telehealth

Mental health care is especially well-suited to telehealth delivery. Medicare-covered telehealth mental health services include:

Individual therapy: One-on-one counseling sessions

Psychiatric consultations: Medication management and treatment planning

Group therapy: Virtual support groups

Cognitive behavioral therapy: Structured therapeutic approaches

Depression and anxiety screening: Assessment and monitoring

The Future of Medicare Telehealth Coverage

The landscape of Medicare telehealth coverage continues to evolve.

Advocacy for Permanent Telehealth Expansion

Healthcare organizations are advocating for permanent telehealth authority beyond the temporary extensions. The American Speech-Language-Hearing Association (ASHA) and other groups continue to push for legislation that would make telehealth a permanent part of Medicare coverage. Asha

Potential Legislative Developments

Several bills and initiatives are under consideration that could impact the future of Medicare telehealth:

Permanent telehealth expansion: Legislation to maintain current flexibilities beyond September 2025

Rural access improvements: Enhanced coverage for rural beneficiaries

Technology accessibility: Programs to help seniors access necessary telehealth technology

Provider reimbursement: Standardized payment models for virtual care

Interstate licensing: Simplified processes for providers to offer telehealth across state lines

How Senior Benefit Services Can Help

Navigating Medicare telehealth benefits can be complex, but you don’t have to do it alone.

Our Medicare Telehealth Expertise

At Senior Benefit Services, our advisors specialize in helping seniors understand and maximize their Medicare benefits, including telehealth coverage. We can:

Explain your current telehealth benefits: Clarify what’s covered under your specific Medicare plan

Help you prepare for 2025 changes: Develop strategies to maintain access to care

Compare Medicare Advantage options: Identify plans with robust telehealth benefits

Answer your telehealth questions: Provide guidance on using virtual healthcare effectively

Advocate for your needs: Help resolve coverage issues or denials

Connect with Our Medicare Telehealth Specialists

Our experienced advisors are ready to help you navigate Medicare telehealth coverage:

Frequently Asked Questions About Medicare Telehealth Coverage

Does Medicare cover telephone calls with doctors?

Yes, Medicare currently covers audio-only telehealth services (telephone calls) through September 30, 2025, for non-behavioral/mental health services when video capability isn’t available or the patient doesn’t consent to video. Hhs

What if I live in an urban area?

Yes, through September 30, 2025, there are no geographic restrictions for Medicare telehealth services. You can receive care regardless of where you live. Hhs After that date, restrictions will apply for most services except mental health care.

How much does a visit cost?

With Original Medicare, after meeting your Part B deductible ($249 in 2025), you typically pay 20% of the Medicare-approved amount, which is the same as in-person visits. Medicare Advantage costs vary by plan.

Can I see any doctor for a visit?

You must see a Medicare-enrolled provider who offers these services. Not all providers offer telehealth, so check with your healthcare providers to confirm their telehealth capabilities.

Will Medicare Advantage plans still cover telehealth after September 2025?

Many Medicare Advantage plans are likely to continue offering these benefits beyond September 2025, as they often provide coverage beyond Original Medicare requirements. However, specific benefits will vary by plan.

Can I get prescriptions through telehealth?

Yes, Medicare-approved telehealth providers can prescribe medications during virtual visits, with some limitations on controlled substances. The provider must determine if the prescription is appropriate based on the telehealth evaluation.

Conclusion: Maximizing Your Benefits

Telehealth has revolutionized healthcare access for Medicare beneficiaries, offering convenience, continuity of care, and reduced barriers to treatment.

With the current flexibilities extended through September 30, 2025, now is the ideal time to incorporate virtual care into your healthcare routine.

Understanding your coverage, and preparing for upcoming changes—will help ensure you continue receiving the care you need in the most convenient way possible. Whether you have Original Medicare or a Medicare Advantage plan, telehealth offers valuable options for connecting with healthcare providers.

At Senior Benefit Services, we’re committed to helping you navigate your Medicare benefits. Our advisors can guide you through the complexities of Medicare, helping you make informed decisions about your healthcare.

Contact us today at (800) 924-4727 to speak with a Medicare specialist about your telehealth coverage options. We’re here to help you make the most of your Medicare benefits, now and in the future.

Senior Benefit’s Hagerstown Office

We are here to help. Contact us today!

(301)733-0085
(800) 924-4727

580 Northern Ave
Hagerstown, MD 21742

Hours :

Monday – Firday : 9am – 5pm EST
Sat & Sun: Closed

Senior Benefit’s Thurmont Office

We are here to help. Contact us today!

Hours :

Monday – Firday : 8am – 4pm EST
Sat & Sun: Closed

Senior Benefit’s Cumberland Office

We are here to help. Contact us today!

309 Willowbrook Road, Suite 1
Cumberland, MD 21502

Hours :

Monday – Firday : 9am – 5pm EST
Sat & Sun: Closed

Who Is Eligible for Medicare in Maryland for 2025?

Have You Ever Wondered if You’re Eligible for Medicare?

Are you approaching retirement age or dealing with a disability and wondering if you qualify for Medicare? You’re not alone. Every day, thousands of Americans search for clear answers about Medicare eligibility.

I’m David Kurtz, President of Senior Benefit Services, and my team and I have spent years helping people navigate the Medicare system. I can tell you that understanding your eligibility is the critical first step.

Who is Eligible For Medicare in 2025 in Maryland?

Without this knowledge, you might miss enrollment deadlines, face unnecessary penalties, or go without coverage you’re entitled to receive.

Medicare Eligibility Key Takeaways

Age Surprise: Turning 65 doesn’t always mean what you think for Medicare – there’s a critical detail about retirement most people miss.

Disability Shortcut: The “hidden bypass” for disability patients that few advisors mention (plus the one condition that gets you immediate coverage).

Residency Trap: Why citizenship alone isn’t enough – the 5-year rule that catches thousands off guard every year.

Cost Saver: The work history loophole that could save you $518 monthly (or cost you if you’re not careful).

Enrollment Danger: Automatic enrollment might be a myth for your situation – the deadline mistake that can’t be undone.

2025 Benefit: The 2025 rule change that caps your costs at $2,000 and expands a program most beneficiaries never hear about.

Family Advantage: Why the spouse connection matters more than ever – even if you’re divorced or widowed.

Confused by all the literature you get about Medicare Supplements and Medicare Advantage plans? At Senior Benefit Services, we stop the confusion!

At Senior Benefit Services, we specialize in finding the most cost-effective Medicare options for our clients. Many people overpay for Medicare simply because they don’t know all their options. Our advisors help you understand all your costs and identify savings opportunities.

As one of our clients mentioned in a Google review: “Karen from Senior Benefit Services was so patient at sifting through all my information and helping me select the most cost-effective Medicare package. Her understanding of the Medicare system was exceptional.”

Call us at (800) 924-4727 to discuss your specific situation and learn what your actual Medicare costs would be.

Medicare Eligibility by Age

The most common path to Medicare eligibility is reaching age 65. I’ve seen too many clients assume they need to be retired to qualify, but that’s not the case at all.

Here’s the truth: If you’re 65 or older and a U.S. citizen or permanent resident who’s lived in the United States legally for at least five consecutive years, you qualify for Medicare. Period.

But here’s where it gets interesting. Your eligibility for premium-free Part A (hospital insurance) depends on your work history. If you or your spouse paid Medicare taxes for at least 10 years (40 quarters), you’ll get Part A without paying a monthly premium.

One of our clients at Senior Benefit Services shared this with me: “I was so confused about Medicare until I realized I could enroll at 65 even though I was still working full-time. Knowing I qualified based on my age alone took a huge weight off my shoulders. Thanks to your team for explaining everything so clearly!

Medicare Eligibility Through Disability

Not yet 65? You might still qualify for Medicare if you have a qualifying disability.

The standard pathway is receiving Social Security Disability Insurance (SSDI) benefits for 24 months. This two-year waiting period is one of the most challenging aspects of disability-based Medicare eligibility.
During my time working with disability advocates, I’ve seen the struggles people face during this waiting period. The good news is that once you reach the 24-month mark, your Medicare enrollment happens automatically.

Railroad workers receiving disability benefits from the Railroad Retirement Board follow similar rules, with eligibility typically starting after 24 months of disability benefits.

Mark, a former construction worker and client of Senior Benefit Services, told me: “After my accident, navigating the disability system was overwhelming. I wasn’t aware that Medicare would kick in after 24 months on SSDI. When it did, it opened up so many more treatment options for me. Your advisors made a world of difference in helping me understand my benefits.”

For ESRD patients, Medicare coverage typically begins on the first day of the fourth month of dialysis treatments. However, there are two ways to get coverage earlier:

If you participate in a home dialysis training program through a Medicare-certified training facility during the first three months of dialysis

If you’re admitted to a hospital for a kidney transplant or for health services you need before the transplant.

Jennifer came to Senior Benefit Services right after her husband developed ESRD at 52, shared: “After my husband’s kidneys failed, we were terrified about the costs. Your advisor explained he qualified for Medicare before 65 because of ESRD, which was life-changing information.

Medicare Eligibility for ESRD Patients

End-Stage Renal Disease (ESRD) creates a special eligibility pathway to Medicare at any age.

If you have ESRD requiring regular dialysis or if you’ve had a kidney transplant, you may qualify for Medicare regardless of your age.

However, you must also meet one of these conditions:

Medicare Eligibility for ESRD Patients in Maryland

You’ve worked the required time under Social Security, the Railroad Retirement Board, or as a government employee

You’re already receiving or are eligible for Social Security or Railroad Retirement benefits

You’re the spouse or dependent child of someone who meets either of the above requirements

You’ve worked the required time under Social Security, the Railroad Retirement Board, or as a government employee

You’re already receiving or are eligible for Social Security or Railroad Retirement benefits
You’re the spouse or dependent child of someone who meets either of the above requirements

For ESRD patients, Medicare coverage typically begins on the first day of the fourth month of dialysis treatments. However, there are two ways to get coverage earlier:

If you participate in a home dialysis training program through a Medicare-certified training facility during the first three months of dialysis

If you’re admitted to a hospital for a kidney transplant or for health services you need before the transplant.

Medicare Eligibility for ALS Patients

If you have Amyotrophic Lateral Sclerosis (ALS, also known as Lou Gehrig’s disease), Medicare eligibility works differently.
You qualify for Medicare immediately upon being approved for Social Security Disability benefits. There’s no 24-month waiting period like there is for other disabilities.
This expedited eligibility recognizes the rapid progression and serious nature of ALS. It ensures that patients can access needed medical care without delay.

Citizenship and Residency Requirements

Medicare eligibility has specific citizenship and residency requirements.
U.S. citizens and permanent residents who have lived in the United States legally for at least five consecutive years typically qualify for Medicare at age 65.

For non-citizens, the rules can get complicated. Generally, lawful permanent residents (green card holders) must meet the five-year residency requirement unless they have enough work history (40 quarters/10 years) paying Medicare taxes.

Citizenship and Residency Requirements in Maryland

Carlos, who moved to the U.S. from Mexico and gained permanent residency, explained after meeting with a Senior Benefit Services advisor: “I was worried about healthcare after turning 65 since I’d only had my green card for three years. Your Medicare specialist helped me understand that I needed to wait two more years to reach the five-year residency requirement before I could enroll. They even scheduled a follow-up appointment for when I’d be eligible.”

Work History Requirements

Your work history directly affects your Medicare Part A costs.
To get premium-free Part A (hospital insurance), you generally need 40 quarters (10 years) of Medicare-covered employment where you paid Medicare taxes.

If you have fewer quarters, you can still get Part A, but you’ll pay a monthly premium:

Robert, a freelancer with inconsistent tax contributions who visited our Cumberland office, told me: “I was shocked to learn I’d have to pay over $500 monthly for Part A because I only had 25 quarters of Medicare tax payments. Thanks to your team at Senior Benefit Services, I now have a plan to manage these costs. I just wish I’d come to you earlier in my career to understand the importance of those contributions.”

Qualifying Through a Spouse

Here’s something many people miss:
You can qualify for Medicare through your spouse’s work record.

You might be eligible for premium-free Part A based on your spouse’s work history if:

Your spouse has at least 40 quarters (10 years) of Medicare-covered employment

You’ve been legally married for at least one year

Your spouse is at least 62 (even if not taking Social Security yet)

This provision is especially important for those who worked in jobs not covered by Medicare taxes or who took time away from the workforce.

Divorced individuals can even qualify based on an ex-spouse’s work record if:

The marriage lasted at least 10 years

You’re currently unmarried

You’re at least 62 years old

Widows and widowers may qualify based on a deceased spouse’s work record if:

The marriage lasted at least 9 months before the spouse’s death

You’re currently unmarried

Maria, who primarily worked as a homemaker and visited our Thurmont office, shared: “After 40 years of marriage, I worried about healthcare costs when turning 65. My advisor at Senior Benefit Services explained I could get premium-free Medicare Part A based on my husband’s work history, which was a tremendous relief. Your team made the whole enrollment process so easy.”

How Senior Benefit Services Can Help Check Your Eligibility

Wondering if you qualify for Medicare? At Senior Benefit Services, we provide free eligibility verification and Medicare guidance:

Schedule a free consultation with our Medicare specialists:
- Call our main number: (800) 924-4727
- Visit one of our four convenient office locations
- Contact us through our website at seniorbenefitclient.com

Our experts will verify your eligibility:
- We’ll review your age, work history, and other qualifying factors
- We’ll explain when you can enroll and what plans are available
- We’ll help you understand all your coverage options with no obligation

We can confirm your existing Medicare coverage:
- We’ll help you understand what parts of Medicare you already have
- We’ll look for coverage gaps or areas where you might save money
- We’ll provide clear, personalized recommendations based on your needs

Our Senior Benefit Services team makes checking your Medicare eligibility simple and stress-free. Unlike calling government agencies and waiting on hold, our experts provide personalized assistance to verify your status and guide you through your options.

Betty from Cumberland told us: “Senior Benefit Services helped explain the benefits and helped me choose a plan that was right for me. I was turning 65 and did not understand what to expect with Medicare. John was very helpful and walked me through everything.”

Free-Personalized-Medicare-Quote-With-Senior-Benefit-Client-Near-Maryland-Pennsylvania-West-Virginia-Walking-Seniors-Blue

Medicare Enrollment Periods

Even if you’re eligible for Medicare, you need to know when to enroll to avoid penalties.
Initial Enrollment Period (IEP): This is your first chance to sign up for Medicare. It’s a 7-month period that includes:

The 3 months before you turn 65

The month you turn 65

The 3 months after you turn 65

Special Enrollment Period (SEP): If you delayed Medicare enrollment because you had creditable employer coverage, you qualify for an SEP when that coverage ends. This gives you 8 months to enroll without penalty.

General Enrollment Period (GEP): If you miss your IEP and don’t qualify for an SEP, you can sign up during the General Enrollment Period from January 1-March 31 each year, with coverage starting July 1.

⚠️ Important: Missing your enrollment period can result in permanent late enrollment penalties and gaps in coverage.

Medicare Costs

Understanding Medicare costs helps you budget effectively for healthcare in retirement.

Part A (Hospital Insurance):

$0 monthly premium if you or your spouse paid Medicare taxes for 40+ quarters

$285/month with 30-39 quarters of work (Estimated Costs)

$518/month with fewer than 30 quarters of work (Estimated Costs)

Part B (Medical Insurance):

$185.00/month standard premium (Estimated Costs)

Higher premiums for those with income above $103,000 (single) or $206,000 (married)

Part D (Prescription Drug Coverage):

Varies by plan, averaging $55/month

New (estimated cost) $2,000 annual out-of-pocket cap

Income-related surcharges may apply

⭐⭐⭐⭐⭐ Google Review “Senior Benefit Services was the best decision I made in choosing someone to help me navigate my retirement options! Karen was amazing! She really knew her stuff and gave me several avenues to choose from but also she carried thru with all the details of completing my application. It was a stress-free experience!” — Deborah R., Maryland

Don’t navigate Medicare alone! Our team of licensed advisors at Senior Benefit Services can verify your eligibility for free and help you understand all your coverage options.

Call (800) 924-4727 today for your free Medicare consultation. Or visit one of our offices:

Requirements For Medicare Eligibility

The three fundamental requirements for Medicare eligibility are:

Age or qualifying condition:
- Being 65+ OR
- Having a qualifying disability for at least 24 months OR
- Having End-Stage Renal Disease (ESRD) OR
- Having Amyotrophic Lateral Sclerosis (ALS)

Citizenship/residency status:
- Being a U.S. citizen OR
- Being a legal permanent resident with at least 5 years of continuous residency in the United States

Work history requirements:
- Having sufficient work credits (40 quarters/10 years) for premium-free Part A, OR
- Being willing to pay a premium if you have fewer credits, OR
- Qualifying through a spouse’s work history

At Senior Benefit Services, we handle these requirements for you. Our advisors will review your situation and clearly explain which requirements you meet and what options are available to you. Call us at (800) 924-4727 to speak with an experienced Medicare specialist who can walk you through your specific eligibility status.

Is Anyone Eligible for Medicare?

Not everyone is eligible for Medicare. Eligibility is specifically limited to:

U.S. citizens and legal permanent residents with at least 5 years of continuous residency

People aged 65 or older, OR

People under 65 with qualifying disabilities who’ve received SSDI for 24 months, OR

People of any age with End-Stage Renal Disease or ALS (with specific requirements)

Undocumented immigrants and people who don’t meet the residency requirements are not eligible for Medicare.

If you’re unsure about your eligibility status, the team at Senior Benefit Services can help. Many of our clients come to us confused about whether they qualify.

Our advisors can quickly assess your situation and explain your eligibility options. We have experience with complex cases including green card holders, those with non-traditional work histories, and people with specific medical conditions.

During your consultation, we’ll explain exactly which Medicare benefits you’re eligible for and when you can enroll. Call us at (800) 924-4727 to schedule your free eligibility check.

Free Consultation: We’ll explain your Medicare options and when to apply

10-Minute Application: We handle the paperwork to get you enrolled quickly

Ongoing Support: We’re here to help even after your coverage begins

Does Everyone Have to Pay $170 a Month for Medicare?

No, not everyone pays the same amount for Medicare:

Part A (Hospital Insurance):
- Most people get this premium-free based on their work history (or a spouse’s)
- If you have 30-39 quarters of work credits, you’ll pay $285/month (estimate cost)
- If you have fewer than 30 quarters, you’ll pay $518/month (estimate cost)

Part B (Medical Insurance):
- The standard premium is $185/month (estimate cost) for most beneficiaries
- Higher-income individuals pay more through Income-Related Monthly Adjustment Amounts (IRMAA)
- Low-income beneficiaries may qualify for assistance programs that reduce or eliminate these costs

Additional Coverage:
- Part D (prescription drug coverage): Varies by plan, averaging $55/month
- Medicare Supplement (Medigap): Varies by plan, location, and age, typically $50-$300+/month
- Medicare Advantage: Many $0 premium plans available, though costs vary widely

Do I Automatically Get Medicare When I Turn 65?

You only get Medicare automatically at 65 if you’re already receiving Social Security or Railroad Retirement Board benefits at least 4 months before your 65th birthday.

If you’re not receiving these benefits (which is increasingly common as many people work past age 65), you must actively apply for Medicare. This is a crucial point that many people misunderstand and can lead to costly penalties if you miss your enrollment window.

At Senior Benefit Services, we’ve helped thousands of clients navigate this transition. Our “3 Steps And You’re Done” approach makes enrollment simple:

We’ve seen many clients confused about automatic enrollment. One client, Mike from Hagerstown, told us: “I thought Medicare was automatic at 65, but my neighbor mentioned I needed to sign up.

I was just three months away from my birthday! The team at Senior Benefit Services guided me through enrollment and helped me avoid late penalties.”

Don’t leave your Medicare enrollment to chance. Call Senior Benefit Services at (800) 924-4727 to ensure you don’t miss important deadlines.

Senior Benefit’s Hagerstown Office

We are here to help. Contact us today!

(301)733-0085
(800) 924-4727

580 Northern Ave
Hagerstown, MD 21742

Hours :

Monday – Firday : 9am – 5pm EST
Sat & Sun: Closed

Senior Benefit’s Thurmont Office

We are here to help. Contact us today!

Hours :

Monday – Firday : 8am – 4pm EST
Sat & Sun: Closed

Senior Benefit’s Cumberland Office

We are here to help. Contact us today!

309 Willowbrook Road, Suite 1
Cumberland, MD 21502

Hours :

Monday – Firday : 9am – 5pm EST
Sat & Sun: Closed

Medicare Part B Calculator : Are you paying too much for your Medicare Part B Premium?

Medicare Part B Premium Calculator

Tax Filing Status (from 2023 return):

What was your Modified Adjusted Gross Income (MAGI) on your 2023 tax return?:

FAQs We Get About Medicare Part B Premiums

What is IRMAA and how does that apply to Medicare Part B?

IRMAA stands for Income-Related Monthly Adjustment Amount. Think of it as an extra charge that some people have to pay in addition to their standard monthly premiums for Medicare Part B (which covers doctor visits and outpatient care) and Medicare Part D (which covers prescription drugs).

It’s basically the government saying that if your income is above a certain level, you need to contribute a bit more towards your Medicare costs. It’s not a penalty, just a way the cost is adjusted based on income.

Want to know how you may be able to save more on your Medicare? Contact us for more details.

How does IRMAA work?

It works like this:

The Social Security Administration (SSA) gets income information from your federal tax return filed two years ago. For example, the IRMAA you might pay in 2025 is based on the income reported on your 2023 tax return.

They look at your Modified Adjusted Gross Income (MAGI). This is basically your Adjusted Gross Income (AGI) from your tax form plus some other tax-exempt income sources, like tax-exempt interest.

They compare your MAGI from two years ago to the income brackets set for the current year.

If your MAGI is above the starting threshold, you will be notified by SSA that you owe IRMAA.

There are several income tiers or brackets. The higher your income was two years ago, the higher your IRMAA amount will be for both Part B and Part D. This extra amount is added directly to your monthly premium bills.

Need help sorting out how this may impact you or how you may be able to save more? Reach out to us for a customized quote.

How Do I Find My Modified Adjusted Gross Income (MAGI) Amount?

You need to calculate it based on your federal tax return from the relevant year. Crucially, for this year’s Medicare premiums (IRMAA), they look at your tax return from two years prior.

Here’s how to find your MAGI relevant for Medicare costs:

Get Your Federal Tax Return From Two Years Ago: You’ll need your completed Form 1040 for that year.

Find Your Adjusted Gross Income (AGI): Look for the line labeled “Adjusted Gross Income” on your Form 1040. Note the amount on that line.

Identify Items to Add Back: Review your tax return and any related schedules to see if you had any of the specific income types listed above that need to be added back. The most common one to look for is tax-exempt interest (check Line 2a of your Form 1040 or your Schedule B if you filed one). Also check if you excluded foreign earned income or had the other less common items mentioned.

Calculate:
- Start with your AGI (from Step 2).
- Add the total amount of any tax-exempt interest you found (from Step 3).
- Add any other specific excluded income amounts identified in Step 3.
- The result is your MAGI, which is the figure used to determine your 2025 Medicare IRMAA.

If you are unsure, especially if your tax situation is complex, reach out to us and we’ll be happy to help.

Which Medicare costs besides Part B does IRMAA affect?

IRMAA specifically increases the monthly premiums for two parts of Medicare:

Medicare Part B: This is the part that covers things like doctor visits, outpatient procedures, lab tests, and durable medical equipment. Everyone pays a standard Part B premium, but if IRMAA applies to you, you’ll pay the standard amount plus the IRMAA surcharge.

Medicare Part D: This is the part that covers prescription drugs. If you have a Part D plan and your income triggers IRMAA, you will pay your plan’s regular monthly premium plus a separate Part D IRMAA amount. This Part D IRMAA is a fixed extra amount based on your income tier, regardless of which specific Part D plan you have.

IRMAA does not directly affect costs for Medicare Part A (hospital insurance) premiums (though most people don’t pay a Part A premium anyway) or costs for Medicare Supplement (Medigap) plans.

Wondering how IRMAA could impact your total Medicare spending? Get a free customized quote to see the potential costs.

How have Medicare Part B Premiums changed over the years?

Understanding Medicare Part B Premium Changes

Thank you for asking about Medicare Part B premium changes over the years. I understand this is an important topic for seniors who need to budget for healthcare costs. I’ll explain the historical trends, reasons for changes, and what to expect.

Historical Premium Changes

Looking at the information provided, Medicare Part B premiums have generally followed an upward trend over the years, though with some interesting fluctuations:

In 2012, there was actually good news when Medicare Part B premiums decreased by $15.50 to $99.90 per month from their 2011 levels of $115.40.

From 2013-2015, premiums first rose to $104.90 per month and then remained stable at that level for three years.

In 2016, there was a significant jump of $16.90, increasing premiums to $121.80 per month, though many beneficiaries were protected from this increase.

From 2017-2018, premiums rose again to $134.00 per month (about a 10% increase).

In 2019, there was a minimal $1.50 increase to $135.50 per month.

For 2020, premiums increased by $9.10 (about 6%) to $144.60 per month.

In 2021, the increase moderated to $3.90, bringing rates to $148.50 monthly, but 2022 saw one of the largest increases of about $21.60, raising the premium to $170.10 per month for most enrollees.

Why Do Premiums Change?

Several factors influence these premium changes:

The Hold Harmless Provision: This important protection prevents Medicare premium increases from reducing a beneficiary’s Social Security check when the premium increase would exceed their Social Security cost-of-living adjustment (COLA). However, this provision doesn’t apply to those newly enrolling in Medicare, who must pay the current year’s rate.

Income-Based Adjustments: Higher-income beneficiaries pay significantly more than the standard premium. This applies to single filers with adjusted gross incomes above $91,000 or joint filers above $182,000.

New Treatments: One major factor in the large 2022 premium increase was anticipation of covering a new Alzheimer’s treatment that was initially expected to cost around $56,000 per patient. This single factor accounted for about 50% of the premium increase. When the drug manufacturer later reduced the price to around $28,000 and questions arose about the treatment’s effectiveness, it created a situation where premiums had been unnecessarily increased.

Inflation and Healthcare Costs: General increases in healthcare costs and overall inflation also drive premium changes.

Take Action Today

Ready to understand exactly what your Medicare Part B premium might be?

Senior Benefit Services is here to help. Click here to contact Senior Benefit Services.

Don’t navigate Medicare alone – let our experienced team help you make informed decisions about your healthcare coverage!

Why is understanding IRMAA important for seniors?

Understanding IRMAA is crucial for seniors, especially when planning for retirement finances. Healthcare is already a significant expense in retirement, and IRMAA can add hundreds or even thousands of dollars per year per person to your Medicare costs if your income is above the thresholds.

Knowing about IRMAA helps you:

Budget accurately: You can anticipate potential extra costs and plan your retirement spending accordingly.

Make informed decisions: Understanding how withdrawals from retirement accounts (like traditional IRAs or 401(k)s) impact your MAGI can help you plan distributions more strategically to potentially manage or avoid IRMAA in future years.

Take action if your situation changes: Knowing about the life-changing events’ appeal process empowers you to lower your premiums if your income drops significantly after retirement.

Ignoring IRMAA can lead to unexpected and potentially stressful increases in your healthcare expenses during retirement.

Don’t end up overpaying by not planning. Contact us and we’ll help you find the best plan for you.

Senior Benefit’s Hagerstown Office

We are here to help. Contact us today!

(301)733-0085
(800) 924-4727

580 Northern Ave
Hagerstown, MD 21742

Hours :

Monday – Firday : 9am – 5pm EST
Sat & Sun: Closed

Senior Benefit’s Thurmont Office

We are here to help. Contact us today!

Hours :

Monday – Firday : 8am – 4pm EST
Sat & Sun: Closed

Senior Benefit’s Cumberland Office

We are here to help. Contact us today!

309 Willowbrook Road, Suite 1
Cumberland, MD 21502

Hours :

Monday – Firday : 9am – 5pm EST
Sat & Sun: Closed

Medicare Costs 2025

The Centers for Medicare & Medicaid Services (CMS) released the Medicare costs for 2025. Find out more about what Medicare costs for you in the new year

Medicare Part A Costs 2025

Medicare Part A is designed to help cover the costs of such things as inpatient hospital care and skilled nursing facility care. So lets take a look at what Medicare Part A costs in 2025.

Medicare Part A Deductible will rise to $1676 which is an increase of $44

Medicare Part A coinsurance for inpatient hospital stays that last more than 60 days will have a daily co-payment amount of $419 beginning on day 61 thru day 90 which is an increase of $11 per day.

Medicare Part A coinsurance for inpatient hospital stays that last more than 90 days will have a daily co-payment amount of $838 beginning on day 91 thru day 150 which is an increase of $22 per day.

Skilled Nursing Facility daily coinsurance will be $209.50 per day beginning on day 21 thru day 100. The daily co-payment is an increase of $5.50 per day.

The Medicare Part A premium has risen as well. Keep in mind that the majority of American retirees do not pay a Part A premium since they have worked at least 40 quarters of Medicare covered employment. For those who did not work enough quarters for premium-free Part A, their costs are as follows:

Medicare premiums and deductibles for 2025

Quarters Paid In		2025 Monthly Premium
0-29		$518.00
30-39		$278.00
40+ (10 years)		$0.00

Common Part A Questions

Is the Medicare Part A deductible an annual deductible? No, the Part A deductible can be charged more than once per year. You will be responsible for the Part A deductible for each benefit period (per occurrence) of inpatient hospital care. The benefit period restarts after you have not received any inpatient hospital care for at least 60 days in a row.

Is there a limit as to how benefit periods a person can have in one year? No.

Are there benefit periods for Skilled Nursing Facility (SNF)? Yes, a benefit period begins the day you are admitted as an inpatient and ends after you have not received any skilled care in a SNF for at least 60 days in a row.

Want to view more commonly asked questions about Medicare Part A? Click here.

Medicare Part B Costs 2025

Medicare Part B is designed to help cover medical costs such as doctors, surgeons, outpatient surgery some prescription drugs, and so much more. So lets take a look at what Medicare Part B costs in 2024.

Medicare Part B deductible will rise to $257 which is an increase of $17

Medicare Part B coinsurance will remain at 20%

The Medicare Part B premium has risen as well. For those individuals who are not classified as high income earners, the Medicare Part B premium will rise to $185 per month which is an increase of $10.30 per month.

If you are classified as a high income earner you will pay a Medicare Income-Related Monthly Adjustment Amount (IRMAA). It is important to keep in mind that this classification is based off of your IRS tax return from 2 years ago (which may be unknown to many that are new to Medicare). The additional premium you would pay each month for Medicare Part B in 2025 based on your yearly income in 2023 would be as follows:

File Individual Tax Return	File Joint Tax Return	File Married & Separate Tax Return	You Pay Each Month in 2025
$106,000 or less	$212,000 or less	$106,000 or less	$185.00
above $106,000 up to $133,000	above $212,000 up to $266,000	Not applicable	$259.00
above 133,000 up to $167,000	above $266,000 up to $334,000	Not applicable	$370.00
above $167,000 up to $200,000	above $334,000 up to $400,000	Not applicable	$480.90
above $200,000 and up to $500,000	above $400,000 up to $750,000	above $97,000 up to $403,000	$591.90
$500,001 or above	$750,001 or above	$403,000 or above	$628.90

Common Part B Questions

Is the Medicare Part B deductible an annual deductible? Yes.

What are Medicare approved amounts? This is the payment amount that original Medicare sets for a specific covered service or item.

If I am classified as a high income earner due to my tax returns but I don’t make that much income anymore, can I file an appeal? If you had a life changing event such as death of a spouse, marriage, divorce or annulment, work reduction, work stoppage, loss of income from producing property, loss or reduction of certain kinds of pension income then you can file an appeal. Other situations that would warrant an appeal would be such things as there being an error in the IRS data, the IRS provided older data and you have newer information available that shows lower income, or you filed an amended tax return for the year that the Social Security Administration (SSA) is using to make their classification of you being a higher income earner.

Takeaway

The overall increases released for 2025 are not the worst we have seen, but still will affect the net income a retiree will have each month. The Medicare Part B monthly cost for 2025 will be about 5.90% higher which is higher than the Social Security increase of 2.50%. Call us at (800)924-4727 to check if you can reduce your current Medicare Supplement plan premium or to explore if a Medicare Advantage plan suits you better. One of our knowledgeable advisors will assist you. Prefer to have us call you, then simply click on the box below and provide us with your contact information.

How to Disenroll from Medicare Advantage Plan in 2025

What is the Medicare Advantage Open Enrollment Period?

Learn the step-by-step process on how to disenroll from your Medicare Advantage plan during enrollment periods.

Expert guidance on timing, options, and securing new coverage.

Understanding how to disenroll from medicare advantage can seem overwhelming, but with proper guidance, you can navigate the process successfully

What is the Medicare Advantage Open Enrollment Period?

See How We Help Our Clients!

As Sharon Sass of Senior Benefit Services explains-

“I have been helping seniors navigate the complexities of Medicare for over 10 years. The most important thing is understanding your timeline and options.” The Medicare Advantage disenrollment process requires careful attention to timing and available options to ensure continuous coverage.

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When Can I Disenroll from My Medicare Advantage Plan?

The Medicare Advantage Open Enrollment Period runs from January 1 through March 31, 2025, offering beneficiaries a strategic “second chance” to evaluate and adjust their healthcare coverage.

During this period, you can make one coverage change if your current plan isn’t meeting your needs.

The Annual Election Period (October 15 – December 7) provides another opportunity to switch plans, with changes taking effect January 1.

Table of Contents

What Steps Do I Need to Take to Disenroll From Medicare Advantage?

To start the disenrollment from Medicare Advantage process, you have several options:

Online Disenroll From Medicare Advantage:

The online disenrollment from Medicare Advantage process can be guided through one of our representatives to ensure the process goes smoothly.

Whether it’s a disenroll from Medicare Advantage notice or a form to switch to Original Medicare, the rep can make sure the paperwork is filled out correctly.

After logging into your Medicare account, you’ll access the plan comparison tool to view and evaluate available options in your area.

The system guides you through each step, ensuring all necessary information is provided.
You’ll need your Medicare number, current plan details, and information about any new coverage you’re selecting.

Working with an Agent

“I started my search for Medicare with Senior Benefit Services. I knew nothing, and Andy got me started. I researched all options available to me, from multiple online sources, but in the end, I got the personalized assistance of a professional with decades of experience,” shares Kenny Bohrer.s.

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What Happens After I Disenroll From Medicare Advantage?

After you start the disenrollment from Medicare Advantage, there are several important steps that need to be taken:

Coverage Transition:

The coverage transition begins on the first day of the month following when you disenroll from Medicare Advantage and receive your confirmation.

Insurance cards and welcome materials from your new plan typically arrive before the coverage start date.

Senior Benefit Services, Inc. helps ensure all transitions proceed smoothly.

“We make sure there are no gaps in coverage and that all your doctors and prescriptions transfer correctly,” explains Karen Simundson, Senior Insurance Advisor.

Financial Considerations:

Budget for any new premiums or out-of-pocket costs

Understand new deductibles and copayments

Plan for potential gaps in coverage

Prescription Drug Coverage:

If returning to Original Medicare, you’ll need to enroll in a standalone Medicare Part D plan to maintain prescription drug coverage. This step is crucial to avoid late enrollment penalties.

What Special Circumstances Allow Disenrollment From Medicare Advantage?

Special circumstances that permit you to disenroll from Medicare Advantage outside standard periods include:

Moving Outside Service Area

Permanent relocation beyond plan coverage area

Temporary absence exceeding plan allowances

International moves

Plan Changes:

Medicare Advantage plans can modify their benefits, costs, and provider networks annually. Significant changes may qualify you for a Special Enrollment Period to select new coverage.

Monitor annual plan notices for changes affecting your care. Pay particular attention to provider network changes, prescription drug coverage, and cost modifications.

5-Star Special Enrollment Period:

Medicare offers a unique opportunity to switch to a 5-star rated plan once during the year.

This SEP runs from December 8 through November 30 and allows enrollment in the highest-rated plans.

How Do I Choose New Coverage?

When selecting new coverage, consider these factors:

Understanding Provider Networks

Network coverage forms a crucial part of your Medicare Advantage plan selection. When evaluating networks, start by verifying that your current healthcare providers participate in the new plan’s network.

The depth of specialist networks also requires careful consideration. Evaluate not just current specialist relationships but potential future needs based on your health conditions.

Senior Benefit Services advisor Sharon Sass notes, “Many seniors don’t realize their long-time doctor might not be in a new plan’s network. We help verify provider participation before making any changes.”

Certain specialists may only practice at specific hospitals, so understanding facility affiliations helps ensure comprehensive coverage.

Review the geographic distribution of providers – some plans offer broader networks but may require longer travel times for certain specialists.

Cost Analysis:

Compare monthly premiums

Evaluate deductibles and copayments

Calculate total annual out-of-pocket costs

Additional Benefits:

Dental and vision coverage

Fitness memberships

Over-the-counter allowances

What Are Common Mistakes to Avoid?

Missing Enrollment Deadlines:

Missing enrollment deadlines can have serious consequences for your Medicare coverage and potentially result in gaps or penalties.

It’s essential to mark all relevant enrollment dates on your calendar, including the Medicare Advantage Open Enrollment Period (January 1 – March 31) and Annual Election Period (October 15 – December 7), while allowing sufficient time for application processing.

Karen at Senior Benefit Services emphasizes, “We guide clients through enrollment timing to prevent missed deadlines. Processing can take up to several weeks, so planning ahead is crucial for continuous coverage.”

Overlooking Coverage Gaps:

When transitioning between Medicare plans, it’s critical to verify continuous prescription drug coverage to avoid late enrollment penalties and ensure access to needed medications without interruption.

Carefully document all coverage effective dates and keep copies of enrollment confirmations, plan acceptance letters, and any correspondence regarding your coverage changes.

“Maintaining meticulous records protects you during the transition,” advises Senior Benefit Services advisor Sharon Sass. “We help clients track their documentation and effective dates to ensure seamless coverage transitions.”

Insufficient Research:

Thorough research is crucial before making Medicare coverage decisions.
Take time to compare available plans’ benefits, costs, network coverage, and prescription drug formularies while carefully reviewing performance ratings and member satisfaction scores.

“Healthcare needs often change as we age,” explains Karen Simundson of Senior Benefit Services. “We help clients evaluate plans not just for current health situations but also considering potential future medical needs to avoid unexpected coverage issues down the road.”

How Can I Get Help with Disenrollment From Medicare Advantage?

Experienced agents from Senior Benefit Services, Inc. can provide personalized guidance through the disenrollment Medicare Advantage process and help you find the best coverage options for your needs.

To disenroll from a Medicare Advantage plan requires careful consideration of timing, options, and potential implications for your healthcare coverage.

Remember that when you disenroll from a Medicare Advantage plan, this is a significant decision that affects your healthcare coverage and costs.

Take time to understand your options and seek professional guidance to make the best choice for your situation.

Whether you’re switching to another Medicare Advantage plan or returning to Original Medicare with a supplement plan, careful planning ensures continuous coverage that meets your healthcare needs and budget.

For personalized assistance with your Medicare decisions, contact Senior Benefit Services today to speak with an experienced Medicare advisor who can help guide you through the process and ensure you make informed decisions about your healthcare coverage.

With over 50 years of combined experience, their team is dedicated to helping seniors navigate the complexities of Medicare with confidence and peace of mind.

For immediate assistance or to schedule a free consultation, call Senior Benefit Services at (800) 924-4727 or visit one of their convenient locations in Hagerstown, Thurmont, or Cumberland. Their experienced advisors are ready to help you understand your options and make the best decision for your healthcare needs.

Want a Medicare Supplement or Medicare Advantage Plan Today?

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You Can Also Contact our local offices for a free consultation:

Senior Benefit’s Hagerstown Office

We are here to help. Contact us today!

(301)733-0085
(800) 924-4727

580 Northern Ave
Hagerstown, MD 21742

Hours :

Monday – Firday : 9am – 5pm EST
Sat & Sun: Closed

Senior Benefit’s Thurmont Office

We are here to help. Contact us today!

Hours :

Monday – Firday : 8am – 4pm EST
Sat & Sun: Closed

Senior Benefit’s Cumberland Office

We are here to help. Contact us today!