Curtis Insurance, Serving Southwest Louisiana since 1973
Medicare Insurance FAQ
Q: What types of Insurance does Curtis Insurance Agency offer? A: Auto, RV, Motorcycle, Home, Life, Medicare plans
Q: I have Medicare and Medicaid (I’m “dual eligible”) do you have a plan for me? A: Yes we do! SW LA Residents, Contact Connie at: 337-310-2253 or Pam at: 337-246-4422
Q: I am about to turn age 65, what do I need to do to make sure I have appropriate coverage?A: You will need to be entitled to Part A and enrolled in Part B, in addition you will need to purchase a prescription drug plan. To not miss your window of opportunity, talk with your insurance agent one (1) month before turning 65. There are different options available to fit your needs and budget.
Q: What do all the different options (Part A, Part B, Part C, & Part D) under Medicare mean?A: Part A of Original Medicare covers hospitals, Part B covers most doctors and other provider services. Part D is prescription drug coverage and Part C combines Part A, Part B & Part D.
Q: Why would I need a Medicare Supplement? A: Original Medicare pays 80% of the approved charges for hospital, physician and other medical services. A Medicare supplement sold by private insurance companies can help pay some of the health care costs that Medicare does not pay, like copayments, co-insurance and deductibles.
Q: I’m 65, not retired and covered under a group health insurance policy. Do I still need Original Medicare? A: No, you do not need to enroll in Original Medicare. It is to your advantage to discuss with an insurance agent the pros and cons of Original Medicare in lieu of Employer Group Insurance. It is very important to discuss leaving your Employer Group Insurance with your Employer Benefits advisor before making any decisions.
Q: I heard there is a time frame in which I can enroll in Original Medicare. A: Some people will get Part A and Part B automatically, while others will need to sign up for Part A and Part B. Contact the Social Security Office for more information.
Q: I am disabled and have been told I can get Original Medicare, is this true? A: After receiving Social Security disability benefits for 24 months, you automatically get Part A and Part B. At this point, you should contact your insurance agent to discuss the plans in which you may be eligible to enroll.
Every circumstance is different when it comes to Medicare and supplement coverages. Please check with your licensed insurance agent and make sure you understand all the nuances of Medicare, how it works and what type of coverage(s) you need and/or entitled to.
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Call Curtis Insurance today at: 337-433-1683 and allow us to help you navigate your options and choose a policy that best suits your needs.