Medicare is a health insurance program provided by the federal government. It can be used by individuals ages 65 and older (or younger individuals with certain disabilities) to help cover medical fees, like hospital stays and medical procedures. It can be a beneficial plan for individuals who need extra funding, and it can be used along with other types of insurance plans. Unfortunately, enrollment can be confusing, and people often make costly mistakes. When you need Medicare help, contact iWill Advocates, and our Medicare consultants can assist you. Read on to discover how.
What is Medicare Part B?
So many people are struggling to enroll in Medicare Part B, which provides medical insurance and covers outpatient services. Medicare Part B is beneficial because it covers a broad range of services that are considered medically necessary, including:
- Ambulance services
- Mental health services (inpatient, outpatient, partial hospitalization)
- Durable medical equipment (DME), such as wheelchairs and ventilators
- ER care
- Chemotherapy
- Physical therapy
- Transplants
It can also cover a few preventative medical services, such as cancer, STI, and cardiovascular disease screenings. It even covers a limited number of prescription drugs (if you need a more comprehensive plan, you may need Medicare Part D, offered by private insurance companies). Medicare Part B Plan is available to individuals who qualified for Medical Part A and:
- Are aged 65 and older
- Have a disability
- Are in the final stage of renal disease
Enrollment difficulties
Some people are automatically enrolled in this plan, but others must sign-up. Many individuals find signing up to be difficult, while others don’t properly understand the complexities of the plan. If a mistake simply resulted in a delay, we wouldn’t recommend that individuals hire Medicare consultants.
You could merely correct the mistake and receive your benefits afterward. Unfortunately, this is not the case.
Mistakes can lead to you paying more for Medicare and paying for parts that you don’t even need. As a result, it’s recommended that you contact a health advocate for our professional Medicare help.
What is a health advocate?
If you have never heard this term before, you’re certainly not alone. A health care advocate is a professional who can assist you in navigating the healthcare system. Not only can they help you correctly enroll in Medicare, but they can also be used for a variety of other needs, including:
- Submitting paperwork on your behalf.
- Helping you make important healthcare decisions based on your needs.
- Identifying and correcting clerical mistakes with all medical documents.
Why should you rely on a professional?
In many cases, they have a medical background or firsthand experience. This makes them ideal counselors to help guide you through a complex medical industry. Many individuals don’t enroll in Medicare Part B when they’re supposed to. This leads to a lifetime penalty, which is an additional 10 percent for each year you should have applied for Part B (if you were not covered by another health insurance from a current employer after age 65). This may seem unfair, but it’s designed to keep costs low.
By receiving professional Medicare help from our professionals, you avoid these mistakes and many more.
Is an advocate expensive?
When hiring a professional advocate, it’s recommended to hire someone who has the background and expertise to bring about the best possible outcome. This way, you know you’ll be properly guided away from costly and inconvenient mistakes. It will also give you peace of mind in knowing that your money is being spent wisely.
When considering the cost of professional Medicare help, you should compare it with the cost of possible mistakes you can make without one.
For example, late enrollment for Medicare plans is considerably high. Additionally, if you don’t completely understand what you’re signing up for, you may end up opting for services you don’t need. There is also the possibility of accidentally paying for a higher premium than the one you wanted.
As you can see, too many costly mistakes can be made. Without the proper knowledge of Medicare Plans A, B, C, and D, mistakes are difficult to avoid and a headache to correct (if a correction is possible).
Take some time to determine what you stand to gain and what you may possibly lose. At iWill Advocates, we offer affordable services. For just $20/month, our clients enjoy the immediate assistance and guidance of an experienced advocate.
Contact us today to see how we can help you!