Medicare
Clear and professional guidance to understand your health rights in retirement
Service Description
Medicare can feel like a confusing puzzle of letters and deadlines. We explain in simple language how the federal government's health insurance works for individuals aged 65 and older or with specific conditions, ensuring you avoid penalties and choose the right supplement.
Understanding Medicare in Simple Terms
Medicare is the national health insurance program in the United States directed primarily at individuals aged 65 and older or younger people with certain disabilities or severe health conditions. Although it is a great benefit, understanding how its parts are structured and its enrollment deadlines can be very confusing.
Hospital Insurance
Covers inpatient hospital stays, care in a specialized nursing facility, hospice care, and home health care services.
Medical Insurance
Covers doctor visits, outpatient medical services, medical equipment, and preventive care (like vaccines and annual checkups).
Medicare Advantage
Private plans approved by Medicare that bundle Parts A and B coverage, and often include Part D benefits along with dental and vision care.
Prescription Drug Plans
Covers the cost of prescription drugs prescribed by your doctor, helping you pay less at the pharmacy counter.
Avoid Late Enrollment Penalties
The timing of your Medicare enrollment is critical. If you fail to enroll during your Initial Enrollment Period (which covers the 3 months before you turn 65, the month of your birthday, and the 3 months after), the government will charge you a lifetime 10% penalty for each year of delay added to your Part B premium.
How Does Patricia Lojan Help You?
We help you analyze your current prescriptions and primary care doctors to compare which Part C plans or Medicare Supplements (Medigap) best fit your specific needs in New Jersey, avoiding confusion and overpayments.
How the Process Works
Review of your eligibility and enrollment windows (usually around turning 65).
Analysis of your specific health needs, trusted doctors, and current medications.
Detailed comparison of plans available in your New Jersey zip code.
Guidance through the enrollment process and coverage activation.
Frequently Asked Questions
When should I enroll in Medicare?
Your Initial Enrollment Period lasts 7 months, starting 3 months before the month you turn 65, including the month of your birthday, and ending 3 months after.
What does Medicare Part A and Part B cover?
Part A covers hospital insurance (inpatient stays, skilled nursing facility care). Part B covers medical insurance (doctor visits, outpatient services, preventive screenings).
Advisory & Integrity in New Jersey
We understand our community's needs. We solve your doubts with clarity and total confidentiality.