Welcome to Shorepointe Benefits, Your Medicare Supplement Accredited Advisor.
“Knowledge is power” – Sir Francis Bacon
Our passion is education, making sure you have the tools and information to make the best decision for your health care insurance needs. There is no ‘one size fits all’ policy and just because your brother, sister or neighbor has ‘that’ plan doesn’t mean it is the right plan for you.
Let’s face it, Medicare is confusing! With over 20 years of insurance background, Shorepointe Benefits has the education, experience and expertise to help you navigate on your journey into the unknown.
The decisions you make with regard to your insurance can have a tremendous impact on your finances should you choose the wrong coverage and suffer a chronic or serious illness. We specialize in these essential products and we are here to make sure there are no ‘fatal’ errors.
Being a member of the National Association of Health Underwriters makes us part of an elite group of health insurance professionals — those who have dedicated their careers to the principle that everyone should have adequate and affordable health insurance coverage. NAHU advocates for members on legislative issues, provides professional development and delivers resources to promote excellence.
Medicare Supplement Accredited Advisor, and member of National Association of Medicare Supplement Advisors (NAMSA)
The services provided are:
Frequently Asked Questions:
Who is eligible for Medicare?
Someone who is a US Citizen or legal resident for at least 5 consecutive years AND Age 65 or older, younger than 65 with a qualifying disability or any age with a diagnosis of end-stage renal disease or ALS
What are some of my coverage options?
- Part A – Hospital insurance
- Part B – Doctor and outpatient visits
- Part C – Medicare Advantage Plans
- Part D – Prescription Drug Plans
- Medicare Supplement Insurance Plans
Will I be enrolled in Medicare automatically?
If you are receiving your Social Security benefits at age 65, you will automatically enrolled in Medicare Part A & Part B
When can I enroll in Medicare if I am not enrolled automatically?
Your enrollment window depends on your specific situation, generally: Parts A,B,C & D offer a 7-month initial election period that begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65. Medicare Supplement Plans offer an Open Enrollment Period This period lasts for 6 months and begins on the first day of the month in which you’re both 65 or older and enrolled in Medicare Part B.
How do I sign up for Part B if I already have Part A?
You will need to complete form CMS 40-B, Application for Enrollment in Medicare – Part B (Medical Insurance), and take or mail it to your local Social Security office. You can also call Social Security’s toll-free number 800-772-1213 If you currently have employer coverage you will also need to complete CMS-L564, Request for Employment Information
How much is Medicare going to cost?
It depends, if you have a higher income, you might pay more for your Part B & Part D coverage. If your income is above a certain limit, you’ll pay an extra amount in addition to your plan premium.
Do I have to have coverage in addition to Original Medicare?
No but beware
What is the ‘Donut Hole’?
The ‘Coverage Gap’ also known as the donut hole begins after you and your drug plan together have spent over $4,000 for covered drugs. Once you enter the coverage gap, you pay 25% of the plan’s cost for covered brand-name drugs and 25% of the plan’s cost for covered generic drugs until you reach the end of the coverage gap.
Will there be added fees or commissions if an agent helps me?
The insurance companies charge the exact same premiums whether you purchase online, directly through the company or through a professional insurance agent certified by the company to represent the plans.
Can I make changes to my coverage?
No matter how you decide to get your Medicare coverage, keep in mind that costs and benefits may change from one year to the next, so it’s a good idea to review your coverage annually to make sure it’s still meeting your needs. Premiums, cost sharing expenses, and specific benefits are all subject to change, whether you’re enrolled in Original Medicare, a Medicare prescription drug plan, or a Medicare Advantage plan
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