Medicare
Made Easy
Special Presentation for
Employees Nearing age 65
Reaching age 65
is an important
milestone…you’re
now eligible to
enroll in Medicare!
(whether you decide to retire
or continue working)
This brings up lots of questions…
 What is Medicare all about?
 What will it cover?
 How do I enroll?
 How much does it cost?
 Do I need to take it if I work
and have health coverage now?
 Where do I start?
Navigating the Medicare maze can be confusing!
The terms are complicated …
and the choices seem endless.
Now you have
someone to guide
you through it.
As part of your Health Advocate
benefit, your Personal Health Advocate
can help you understand the
ins and outs of Medicare.
Clearly. Simply.
How We Helped Trent
Trent was soon to turn
65, and planned to
postpone retirement for
a few years.
He wanted to know if
he should sign up for
Medicare coverage or
stay with his employer’s
health plan, and about
the next steps.
Trent’s Personal
Health Advocate:
 Researched/explained the
Medicare options, costs, and
how Medicare compared to
Trent was
to turn
65, and
his soon
current
health
planplanned
to postpone retirement for a few years.
He needed
to knowthe
if he
should and
sign
 Confirmed
medical
up for Medicare coverage or stay with
prescription services that
his employer’s health plan, and about
would be covered under his
the next steps.
employer's plan versus
Medicare plans
 This information helped him
decide to remain with his
current plan and postpone
Medicare until he retired
 Informed him about
enrollment deadlines after
retiring or leaving his health
plan
We Can Help You
We’ll Help You…
Know Your Options
We’ll explain the Medicare “parts”
 Part A – “Original” Medicare (covers hospital)
 Part B – (covers doctor visits, outpatient services such as lab studies)
 Part C – known as Medicare Advantage Plans (combines both Part A
and B) – and how it compares to Original Medicare
 Part D – prescription drug plans
Plus, we’ll research Medigap plans which cover what Original Medicare
does not pay
We’ll Help You…
Understand the Costs
We’ll review the costs
 Medicare is NOT free!
 Monthly premiums, copays and annual deductibles and
coinsurance costs may apply
We’ll Help You…
Be Informed to Make the Right Choices
Research and compare plans to see what may work
best for you
 Check providers - We'll check if your primary doctor, specialty
doctors and preferred hospitals are included
 Assist with medication review – We can see if generic and brands
are included in the pharmacy formulary and benefit
 Determine coverage out of your home service area if you travel a lot
We’ll Help You…
Compare Medicare to Your Employer’s Plan
We’ll help you do comparisons
 If you continue to work after age 65, we’ll do a side-by-side
comparison of Medicare with your employer’s or spouse’s health
benefits and if they may coordinate
We'll help you understand the next steps if you have an
HSA (Health Savings Account) and become Medicare-eligible
We’ll Help You…
Know When to Sign up
We’ll help you with enrollment questions
 Alert you to enrollment deadlines to avoid costly late
enrollment penalties
We Help in
Many Other Ways
Your Personal Health Advocate Can Help…
 Find providers in your health plan’s network
who participate with Medicare
 Schedule appointments, including with
specialists
 Facilitate transportation to medical appointments
 Identify lower-cost generic medications,
where possible
 Help resolve billing and claims issues
 ...and much more!
Has this ever
happened to you?
Maybe one day you receive
a bill for a procedure that you
thought Medicare covered.
Instead of stressing, call us
so we can sort out the bills
and uncover any errors.
…and put cash back in
your pocket.
Has this ever
happened to you?
Maybe one day you fall,
requiring rehab and you’re
worried if Medicare will cover it.
We can research Medicare
coverage requirements for
skilled nursing, in-home care
and medical supplies like
a wheelchair, and identify other
resources to help with expenses.
…so you can focus on
recovering!
You can access all these
benefits with just one call
to one toll-free number—
and you can call anytime!
Call Health Advocate…
We can help you
“I need to know about
signing up for Medicare.”
“I can help walk you
through it.”
“I don’t know which
treatment is right for me.”
“I’ll help you understand
your options.”
“I’m worried about caring
for my aging husband.”
“I’ll help you explore your
concerns and resources.”
“I’m confused by this
medical bill.”
“I don’t know how much
this procedure costs.”
“I’ll get it sorted out
for you.”
"I can research an estimate
for you.”
Contact us today to get started:
866.695.8622
[email protected]