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Keep up to date with our news, tips & tricks, and latest information!
Can My Spouse Get Medicare Through Me?
It’s a question we get from clients all of the time – “can my spouse get Medicare through me?” It’s a good question. We’ve all been trained to understand that this is how insurance typically works. However, Medicare is different. Medicare is for the individual, so spouses can’t be on a Medicare plan together. While your spouse who never worked may reap the benefits of having no Part A premium because you worked more than 40 quarters over your lifetime, he or she will not be able to get Medicare through you when you are eligible.
In this article, we’ll discuss...
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Are You Making Expensive Medicare Mistakes?
Medicare is supposed to be affordable healthcare for Americans 65 years of age and older. If done correctly, Medicare has many benefits. However, it’s a complex and confusing system. This complexity leads many Medicare beneficiaries to make costly mistakes. In this article, we’ll discuss the expensive Medicare mistakes that can clean out your pockets if you’re not careful.
If you believe you’re paying too much for your Medicare plan, our Medicare experts can help! Our mission at Delta Medicare Benefits Group is to help seniors navigate their Medicare and...
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Does Medicare Pay for Prescriptions?
Medicare-eligible seniors often wonder “does Medicare pay for prescriptions?” Perhaps you have a variety of medications that you need, and you want to know if Medicare will cover them once you switch. Will you have to change your medications? Switch to generic? How does it work?
In this article, we’re discussing prescriptions and Medicare coverage. If you have specific questions about your medications coverage through Medicare, give our Medicare consultants in Memphis a call today at (901) 460-7220.
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Do You Really Need Medicare Part B?
When you turn 65, you have many decisions to make regarding Medicare. There’s a lot to learn, too. What Parts do I need? What does each Part cover? Can I choose to delay coverage if I have insurance benefits through my employer? Note that we address all of these questions on our blog and within our eBook (links included below). However, in this article, we’ll discuss Medicare Part B, specifically – can you skip it? Are there penalties? Here’s what you need to know.
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How to Reduce Medicare Costs
Some people are shocked to learn that they are required to pay premiums, such as the Part B (which is $170.10 per month in 2021), deductibles, co-pays, and other costs when they are on Medicare. After paying into Medicare and social security for so many years, people think they must be covered entirely. Unfortunately, these Medicare and social security payments do not apply to certain costs associated with Medicare, such as the Part B premium. If you are experiencing problems paying your premiums, there may be certain actions you can take that may reduce your Medicare costs. In this...
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Important Medicare Dates Part II
Last week, we posted an overview of important Medicare dates to remember every year. There are so many that we had to write a “Part II.” To read about three important Medicare dates that you should put on your calendar, click here for Part I. In Part II, we’re discussing two more important Medicare dates:
General Enrollment Period (GEP)
Special Enrollment Period (SEP)
These periods won’t apply...
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Important Medicare Dates Part I
Medicare is fraught with enrollment periods and important deadlines to remember. There’s the Annual Enrollment Period (AEP), the Open Enrollment Period, and all of the personalized dates that you need to know when you enter Medicare. If you’re like most people, it’s hard to keep up with all of it. In this article, we’ll outline the following Medicare periods you may need to know about:
Annual Enrollment Period
Open Enrollment Period
Initial Enrollment Period
If you have a Medicare...
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Medicare Is As Easy As 1-2-3 (3 Simple Steps to Medicare)
As your sixties approach, your overwhelm over all the things you need to know in the coming years typically increases. There’s retirement planning, estate planning, and the ever-daunting enrollment into Medicare. The good news is that when you take the right steps Medicare, in reality, is a lot less daunting than it may initially seem. In this blog, we’ll discuss the 3 important steps to navigating your Medicare enrollment and benefits.
We hope our content helps you better understand your Medicare and insurance options. If you have remaining questions, please...
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Should I Have Critical Illness Insurance?
According to the CDC, every year, about 805,000 people in the United States suffer a heart attack. In fact, heart disease, which includes strokes, is the first leading cause of death in the US. The second-leading cause of death is cancer. Every year, more than 1.6 million people in the US are diagnosed with a form of cancer.
With so many people being diagnosed and treated with significant illnesses, how can you protect yourself and your family in the event you need to be treated? The answer is critical illness insurance. In today’s blog, we’re discussing...
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Should I Have Hospital Indemnity Coverage?
Imagine you need hospital care for longer than your insurance covers you. Even a few days in the hospital can be extremely costly. Just a three-day hospital stay averages about $30,000. No matter what insurance you have, that can be an enormous expense. You may have uncovered out-of-pocket costs, deductibles, and other expenses that will be your responsibility to pay. Hospital Indemnity may be the answer when it comes to covering those gaps. Today, we’ll talk about how hospital indemnity works with Medicare. We’ll discuss what it is, why you may want it, and how you can customize it with...
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Are You Paying Too Much for Your Medicare Supplement?
Written By: Bobby Jones
Are you paying too much for your Medicare supplement? This is one of the biggest questions our Medicare clients ask us. The answer is usually a resounding “yes.” The same goes for those enrolled in a Medicare Advantage plan. In this article (and in the below video interview), we’ll discuss when it’s time to change your Medigap or Medicare Advantage plans and when you are permitted to do so.
If you have specific questions about your plan, please give our Memphis Medicare consultants a call at 901-460-7220. Our main office is located in Memphis, Tn, and we...
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Explained: Medicare Advantage Vs Original Medicare
Written By: Bobby Jones
All of the terms associated with Medicare can become really complex. They sound so similar, but they mean very different things. One such example of this is the difference between Medicare Advantage and Original Medicare. This is a hot topic right now during Annual Enrollment (Oct 15 - Dec 7), so, this week, we’re going to talk about the differences between the two Medicare options, and why you may want to consider one over the other.
If you have specific questions about your Medicare Advantage plan or how you can supplement your Original Medicare, give us a...
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What Is Medicare Advantage, and Do I Need It?
Written By: Bobby Jones
Typically, in October, the spam calls and mountains of junk mail start pouring in to let you know it’s time for Annual Enrollment. The hubbub can bring about a lot of confusion. This week on the blog, we’re going to review why autumn brings about Medicare hysteria and break down what, if any, action you should take before Annual Enrollment ends on December 7.
Why Am I Getting So Much Medicare Mail?
Annual Enrollment is here, and that’s the reason for the Medicare mail and spam calls. But be careful – you cannot trust every “Medicare professional” out there. One...
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What Does Medicare Part B Cost?
Written By: Bobby Jones
Medicare Part B makes up a significant portion of your Medicare benefits, and it’s the part that most people do pay a premium on. In this article, we’ll discuss what Part B covers and outline the associated costs updated for 2022.
If you have questions about your Part B coverage or general Medicare benefits, the experts at Delta Medicare Benefits Group are here to help you. Give us a call at (901) 460-7220, or send us an email at info@deltabenefitsgroup.com. We look forward to helping you make the most of your...
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Updated Costs for 2022 Medicare
Written By: Bobby Jones
It’s the time of year when Centers for Medicare & Medicaid Services (CMS) reveal the updated costs for the next year. With the update comes news that Medicare recipients will pay higher costs for certain Medicare benefits. In this article, we’ll outline the updated 2022 premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs, and the 2022 Medicare Part D income-related monthly adjustment amounts. We’ll also cover the reported reasons for the unprecedented 2022 Medicare cost increase.
As always, if you have questions about...
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Yum! What Is the 'Donut Hole' in Medicare?
Written By: Bobby Jones
Ok, this “donut hole” isn’t like the delicious ones over at Gibson’s or Krispy Kreme. While it has a yummy name, it’s a less-than-desirable place to be. This week, we’ll explain what the Medicare Part D “donut hole” is, how to avoid it, and other tips you need to know.
If you have other questions about your Medicare coverage, you can always go to our frequently asked questions page, call our knowledgeable Medicare agents, or email us at...
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Everything You Need to Know About Enrolling in Medicare
Written By: Bobby Jones
The time is nearly here – time to take care of your Medicare enrollment! You probably know that you must be 65 years old to enroll, but you may have a lot of questions about how to sign up for Medicare. When exactly are you allowed to enroll? When do your Medicare benefits go into effect? Which Medicare Parts Should You Enroll in? Our Medicare consultants have written this blog to help you answer all of these benefits questions and more.
If you have additional questions or need help enrolling, please contact us at (901) 460-7220, email us at...
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Join Us for Halloween Festivities at the Dedicated Senior Medical Center
We're sponsoring "Senior Trunk or Treat" this year!
We're looking forward to seeing you there in your costume Oct 29 at 4pm at the Dedicated Senior Medical Center on Quince Road in Memphis.
Best costume wins!
Call or text to RSVP at 901-426-3450
When? Friday, Oct 29 4pm - 5pm
Where? 5131 Quince Rd, Memphis 38117 | Dedicated Senior Medical Center
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What Is Medicare Part D?
Written By: Bobby Jones
Numbers updated for 2022
This week, we’re covering Medicare Part D. If you have prescriptions, as many of us do, you likely have questions about how Medicare covers your medicine. In this article, we’ll discuss what you need to know about your prescription benefits, including what does Medicare Part D cover, how much it costs, how it works with your Medicare benefits, and more.
If you have remaining questions, please give us a call at (901) 460-7220, send us an email at...
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What Is Medicare Part C?
Written By: Bobby Jones
It goes by many names – Medicare Part C, Medicare Advantage, MAPD. No matter what you call it, you may be wondering what this type of plan covers and how it’s different from Original Medicare. In this blog, we’ll discuss all the details you need to know about Medicare Advantage. From how it works with Original Medicare to its cost and everything in between, this is your complete guide to Medicare parts explained.
If you have remaining questions after reading this article, let us know. Our Medicare consultants will be happy to clarify any details for you. Call...
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Medicare Part B Explained with 2022 Updates
Written By: Bobby Jones
Continuing with our blog series on Medicare parts explained, we’re covering Medicare Part B today. You’ll learn about Medicare Part B enrollment, Part B costs, eligibility, coverage, and everything in between.
If you have additional questions, please reach out to our Medicare consultants. You can reach us by phone at (901) 460-7220, send us an email at info@deltabenefitsgroup.com, or fill out the contact form on this page. As always, our...
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Everything to Know About Medicare Part A Explained - Updated 2022
Written By: Bobby Jones
Medicare is just complicated. With changing premiums, multiple parts, supplemental options, and changing regulations, Medicare is difficult to keep up with. Our Medicare representatives at Delta Benefits Group are here to help you understand the ins and outs of your Medicare coverage. It’s our mission to help you get the most out of your plan, so we’ve started writing in-depth articles to explain all aspects of Medicare. This week, we’re covering everything you need to know about Medicare Part A.
If you have remaining questions, please give us a call at (901)...
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