T.R.I.P. Process

Our road map to help you navigate Your Medicare Journey with Confidence

Your Answers, Your Choices, Your Guide

This road map will guide you through the different mile markers you will encounter and need to understand on your Medicare journey. Serving as your navigational guide, I highlight the options and empower you to choose. Each year during AEP we will recalculate to verify everything is still moving in the right direction.

Our T.R.I.P. Process

T - Take Time To Connect:

First, let's embark on a 20-minute chat where we will take time to connect, understand each other better, and uncover what truly matters to you. During this call we will delve into your current circumstances and explore your unique Medicare needs. It's an opportunity for us to lay the groundwork, ensuring we're aligned on your personal Medicare journey.

R - Realize Your Options:

During our Medicare Comprehension Analysis, we'll meticulously walk through our comprehensive 17-point questionnaire. This questionnaire serves as a roadmap to uncover any uncertainties or misunderstandings you may have and help you realize your Medicare options. We will cover the different medicare types and the coverage they offer. Throughout this analysis, our goal is to empower you with knowledge and clarity, dispelling any confusion or misconceptions along the way.

I - Identifying Your Needs:

This involves a comprehensive exploration of various aspects of your life and healthcare preferences. Here's how we'll approach it:

Lifestyle: Understanding how you live your life allows us to tailor your Medicare plan to seamlessly integrate with your lifestyle.

Existing Concerns or Prescriptions: Your current health concerns and prescription medications play a pivotal role in shaping your Medicare decisions. This information enables us to select a Medicare plan that provides comprehensive coverage for your specific medical requirements.

Network Clarification: This ensures that you have access to the healthcare providers you trust, without unexpected out-of-network costs.

P - Put a Plan in Place:

We'll place you in a Medicare plan that aligns with your specific needs and preferences, providing you with peace of mind.

Also, every year we will conduct a comprehensive review of your plan to ensure it continues to meet your evolving needs. Life is dynamic, and circumstances change. Whether it's shifts in your health status, changes to your prescriptions, or alterations in your financial situation, we'll evaluate your current plan and make adjustments as needed to keep you on the right track.

The Parts Of Medicare

Part A:

Hospital Coverage

Part B:

Medical Insurance

Part D:

Prescription Drug Coverage

Part C:

Medicare Advantage Plans offered by private companies that contract with Medicare. You still have Medicare but receive most of your Part A & B coverage from this plan. In addition there may be benefits for things not covered by Original Medicare including Part D coverage, vision, dental, and hearing to name a few.

Supplemental

Insurance:

Medigap plans = sold by private insurance companies to fill the “gaps” in Original Medicare. Gaps may include copayments, coinsurance and deductibles.

Important Dates For Medicare

Annual Enrollment Period (AEP)

October 15 - December 7

This is the yearly time period where Medicare Beneficiaries can join, switch or drop their Medicare Advantage health plans and/or Prescription Drug Plans

Open Enrollment Period (OEP)

January 1 - March 31

Each year Medicare Advantage enrollees may change to a different MA plan or switch to Original Medicare & join a Medicare Prescription Drug plan.

Annual Enrollment Period (AEP)

a 7 month period

When you are first eligible for Medicare you have a 7 month period to sign-up. Beginning 3 months prior to your 65th birthday, the month of and 3 months after the birthday month.

Special Enrollment Period (SEP)

A time outside IEP, AEP or OEP when

you may be able to sign up or switch plans due to a qualifying event.