People who are new to Medicare often have a hard time sorting things out in the beginning. There are all these parts and plans with similar letters, which makes it hard to figure out what is what — the typical signs are:
Your mailbox has likely been bombarded.
You have a stack of Medicare mail.
And you think to yourself... THIS IS CRAZY!!
When it comes to considering your Medicare options, you can spend hours doing your own research or you can work with your own Medicare Concierge, a licensed and certified Medicare Agent. Your Medicare Concierge will compare your options to find the coverage that is right for you… at a price that fits your budget.
With your Medicare Concierge, you get the benefit of great counsel along with great choices and Free lifetime customer support.
We built this uniquely different program because the face of Medicare is changing and frankly... we thought it was time the whole process changed.
You could spend countless hours researching Medicare yourself, but why?
Let Make Medicare Work provide you the concise information based on YOUR individual needs – with out having to invest countless hours of painstaking study.
Trying to navigate Medicare’s complex and confusing landscape is enough to give anyone a headache.
Our process is simple. It consists of answering some simple questions and then sitting back while we roll up our sleeves and create a step-by -step Medicare plan “just for you”.
Unlike insurance carriers or brokers who have a vested interest in “selling” you their insurance plan, we simply work for you.
We will provide clear and concise options specific to your needs, insuring both your heath and financial needs are met…
We understand that sometimes you just need to ask a question or need help understanding a bill or claim.
We're more than happy to share our years of expertise with you. It may be your first time with a Medicare issue but we can almost guarantee it is not ours.
Words from the heart of our past clients who used Make Medicare Work
If you aren't sure who to turn to for Medicare advice, give this group a call. We've used Denise for 6 years and have been very happy with her advice and follow-up. We've also recommended them to friends who've found their help and advice invaluable.
Great service to facilitate understanding Medicare. Based on my personal needs, we were able to find the best matches of Supplemental and Drug plans. Denise has a deep, thorough understanding of the plans and I highly recommend her!
I am amazed at the wonderful services provided for these very complicated Medicare issues, all free of charge!
Denise is amazing!!! She does all the leg work to find the best medical insurance and prescription drug plans for us each year. She is professional, accessible and easy to work with. I highly recommend her!
No one is better at making her clients feel at ease and confident regarding their options and ultimate choices for Medicare coverage than Denise Anderson!! She’s kind and professional...!
WARNING: Medicare Advantage and prescription drug plans change yearly. These changes can cost you if you are not paying close attention:
Premiums can go up.
Deductibles can change.
Co-pays can increase.
Reading through the insurance carriers “notifications” is sometimes mind boggling. Approximately 52.6m Americans are enrolled in Medicare and only 13% review their coverage annually. That is a lot of surprises come January.
Medicare rules and complexities can be confusing and scary. Who has the time and interest in becoming an expert on Medicare regulation? (Well we did, but that's a long story).
Timing is critical when it comes to Medicare. One wrong move can cost you tens of thousands of dollars and leave you without critical coverage.
We see too many people get confused early on.
They try to jump right into figuring out Medigap plans and Medicare Advantage plans or how Medicare will coordinate with their employer coverage. That is putting the cart before the horse, so let’s set that aside for now. Before you worry about all that, let’s first familiarize you with the Medicare basics.
Medicare has PARTS but Insurance has PLANS
This little tip will help you decide if you're talking about Medicare or an Insurance Plan that works with Medicare.
Together, Parts A and B are known as Original Medicare. They cover some, but not all, health care expenses. Original Medicare has deductibles and co-insurance and does not pay for long-term personal care services at home or long-term care. Original Medicare also does not cover eye exams, eyeglasses, hearing aids, dental care or non-emergency care provided outside the U.S. It also does not cover deductibles and coinsurance.
Original Medicare may not be enough coverage to protect both your health and well-being. Original Medicare’s cost sharing, deductibles and co-pays can be unpredictable and difficult to discern. There is no annual limit on what beneficiaries could be expected to pay out-of-pocket. Choosing a coverage option that works with Original Medicare can help protect beneficiaries from unexpected costs.
Individuals who are receiving Social Security benefits may be automatically enrolled in Medicare parts A and B, and coverage begins the month they turn 65. But those who haven't claimed Social Security will need to take action to sign up for Medicare. Your coverage can begin as early as the first day of the month you turn 65, or the first day of the prior month if your birthday falls on the first of the month.
Is Medicare mandatory?
No part of Medicare is mandatory, but if you choose to enroll in any part of Medicare after your Initial Enrollment Period, you could face financial penalties unless you qualify for a Special Enrollment Period with creditable employer coverage.
What is the late enrollment penalty for Medicare Part B?
Medicare Part B enrollment is complicated, and the wrong decision can leave you without health coverage for months – and lead to lifetime premium penalties.
Can I keep my doctor and/or specialist?
Keeping your doctors and/or specialists is our number one priority. We will always try our best to find a plan which your doctor accepts. Each situation is different, and we will discuss all your options in further detail at your benefit review.
Will my medications be covered?
Our Medicare Concierge will always do a complete review of your medications to ensure you are placed on a plan that covers your specific drug needs.
Does Medicare cover long-term care?
No. This is a surprise for most people. Medicare covers up to 100 days of skilled nursing care only, and that’s following a hospitalization and based on doctor’s orders. Medicare does not cover custodial care at all. This is the type of care older people need when they have trouble bathing and dressing themselves. Medicare won’t pay for it.
Is there a cost for your service?
Our services are no cost to you and there is no fee or extra charge for working with an MMW agent. We are a free, non-biased public service for Medicare beneficiaries.
Do you represent all Medicare plans?
MMW brokers represent most Medicare plans in the market. We are happy to give you our expert opinion on all available plans and we will not hesitate to recommend a plan we do not represent if it is the best fit for you.
Am I automatically enrolled in Medicare Part A and Part B if I file for social security?
Yes, IF you have been receiving social security benefits for at least 4 months before your 65th birthday. IF YOU HAVE NOT been receiving social security benefits at least 4 months before turning 65, then you will need to complete the Medicare Benefits application.
How do you get paid?
Our agents are compensated by the health plan. Compensation is regulated by Medicare. Our services are always at no cost to you and there is no extra fee or charge for working with an MMW Concierge.
Make Medicare Work is a service of J Johnston Insurance Services, a licensed and certified representative of Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal. Enrollment in the plan depends on the plan’s contract renewal with Medicare. Medicare Advantage organizations and/or Medicare Part D plan sponsors comply with applicable Federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability, or sex.
Out-of-network/non-contacted providers are under no obligation to treat Plan/Part D Sponsor members, except in emergency situations. Please call the Plan’s customer service number or see your Evidence of Coverage for more information, including cost sharing that applies to out-of-network services.
Every year, Medicare evaluates plans based on a 5-Star rating system. You are not required to provide any health related information unless it will be used to determine enrollment eligibility. Licensed sales agents/producers may be compensated based on your enrollment in a health plan.
*We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1800Medicare to get information on all of your options. *While the Center for Medicare and Medicaid Services (CMS) is requiring us to add this disclaimer, please note that we will discuss all plans available in your area, helping you choose the best plan to fit your needs.