Medicare

With more than 28 years of experience in healthcare and Medicare benefits, I specialize in helping seniors and individuals successfully navigate the complex and often confusing Medicare landscape. As founder of C3 Benefit Strategies, I provide personalized, one-on-one Medicare consultation to help clients understand all their options — including Medicare Advantage, Medicare Supplement (Medigap), prescription drug plans, and retiree coverage — and choose the best plan to fit their unique health needs, lifestyle, and budget.

I guide clients step-by-step through the entire enrollment process, helping them avoid costly pitfalls while maximizing their coverage and value. I also provide hands-on assistance with critical administrative tasks, including registering for ID.me accounts and applying for Social Security benefits, to streamline the process and reduce stress.

At C3 Benefit Strategies, client needs always come first. My goal is to deliver clear, unbiased guidance and ongoing support, empowering seniors to make confident Medicare decisions and enjoy greater peace of mind about their healthcare future.

CLICK HERE – To shop for Medicare plans in your area.

Call 404-819-6699

Fundamentals of Medicare

Millions of Americans are covered by Medicare, the federal health insurance program for seniors and people with disabilities. Typically, you must be 65 or older to be eligible. However, some disabled individuals are also eligible. Continue reading to discover what Medicare offers.

Medicare: What Is It?

The Social Security Administration is in charge of administering Medicare, a public health insurance program. Millions of Americans have access to health care benefits that are paid for in part by the Social Security fund. The program has four components, each of which gives beneficiaries different benefits. You may need to manage each part separately depending on how you arrange your benefits.

Medicare’s Four Components:

Part A – hospital insurance; Part A covers:

Inpatient coverage
Hospital stays
Home health care
Skilled nursing facility care
Hospice care
Nursing home care

Part B – medical insurance; Part B covers:

Outpatient care
Doctor visits
Ambulance services
Mental health services
Medically necessary services
Preventive services
Durable medical equipment

Part C – Medicare Advantage; Part C covers:

The same benefits as Part A and B
May also include coverage for:
Prescription drugs
Dental, hearing, and vision
Wellness programs
Fitness memberships
And more

Part D – drug coverage; Part D covers:

At least two drugs from each class
All Part D plans must cover:
Antipsychotics
Anticonvulsants
Anticancer
Antidepressants
Immunosuppressants
HIV/AIDs drugs

Who is entitled to Medicare?

To be eligible for Medicare, you typically need to be at least 65 years old. After receiving Social Security Disability benefits for at least 24 months and having been diagnosed with a disability, individuals under the age of 65 may also be eligible. For instance, individuals who have been diagnosed with Amyotrophic Lateral Sclerosis are immediately eligible for Medicare benefits.

What is the cost of Medicare?

Benefits from Part A without a premium are available, but only to those who have paid 40 quarters’ worth of Medicare taxes. Depending on how much you’ve paid in taxes, you can expect to pay $499 in premiums or as little as $274. Most people pay $170.10 for their Part B premium. During the initial review, we will talk about IRRMA and how it can affect your part B and D premium.