Medicare, Simplified
“…Move Health was straightforward and clear in their information on original Medicare, Supplements and Advantage Plans. They are great to work with and I would highly recommend....”
-PJ
Your Move to Medicare
Whether you're approaching Medicare for the first time or considering a change in your existing plan, we know that Medicare benficiaries are flooded with mail, phone calls and commercials with people trying to sell you a plan.
Move Health is here to provide personalized guidance, ensuring you make informed choices tailored to your unique healthcare needs. With years of experience and a deep understanding of Medicare, we're committed to making Medicare coverage simple & clear.
We promise that you’ll never be “sold” a Medicare strategy at Move Health - that’s not how we work. Our goal is to create informed and empowered Medicare beneficiaries.
From helping you to transition to Medicare to ongoing support and coverage reviews. We are here to help.
Your Partner in Medicare
Move Health Partners utilizes the latest technology and our extensive knowledge to guide you to a Medicare coverage strategy that meets your needs. We provide guidance on the following Medicare plan types:
Medicare Supplement Plans
Prescription Drug Coverage (Medicare Part D)
Medicare Advantage Plans
Dental, Vision & Hearing Coverage
Hospital Indemnity Plans
Frequently Asked Medicare Questions
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With every client that we serve, we try to start the Medicare conversation no later than 6 months prior to their Medicare eligibility date. Everyone that is Medicare eligible (or soon to be) that works with Move Health goes through a 1:1 session that we call Medicare 101. In that session we cover important timelines for the different parts of Medicare.
You should begin signing up for original Medicare (Parts A & B) three months before you turn 65. This initial enrollment period lasts for seven months, starting three months before your birthday month and ending three months after. If you miss this window, you might have to wait for the General Enrollment Period (January 1 to March 31) and could face late enrollment penalties.
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This question has some nuance - so we'll do our best to answer below, but your unique situation may differ. We always suggest connecting with a Move Health team member to discuss your Medicare coverage even if you intend to work past 65 and keep your employer coverage.
If you're working past 65 and have health insurance through your employer, you may be able to delay enrolling in Medicare without facing penalties. If your employer has 20 or more employees, your employer’s insurance can be your primary coverage, allowing you to postpone Medicare Part B (medical insurance) until you retire or lose your employer coverage. It's important to confirm that your employer insurance is considered "creditable" for Medicare purposes to avoid any late enrollment penalties later on.
However, even if you decide to delay Part B, you should consider enrolling in Medicare Part A (hospital insurance), as it is usually premium-free if you've paid Medicare taxes while working. Enrolling in Part A can provide additional hospital coverage and may coordinate with your employer’s insurance to reduce your out-of-pocket costs. Be sure to discuss your specific situation with your benefits administrator at your employer and a Health Plan advisor at Move Health to make the best decision for your healthcare needs.
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We cover this question in great detail as a part of our Medicare 101 session that we hold with all individuals that come to us nearing Medicare eligibility or the transition to Medicare.
Medicare has four parts: Part A covers hospital stays, skilled nursing facility care, hospice, and some home health care. Part B covers outpatient care, doctor visits, preventive services, and some home health care. Part C, or Medicare Advantage, is an all-in-one alternative to Original Medicare offered by private companies, often including additional benefits like dental and vision. Part D covers prescription drugs and is also offered through private insurers.
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Whether you can keep your current doctor depends on the type of Medicare plan you choose. With Original Medicare (Parts A and B), you can see any doctor that accepts Medicare. Medicare Advantage (Part C) plans often have networks, so you'll need to check if your doctor is included in your plan’s network to avoid higher out-of-pocket costs.
If you're working with Move Health, we're always going to make certain that you fully understand the Medicare strategy we are recommending. This includes what doctors do and do not take your plan.