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Using Medicare wisely can improve your physical and financial health:
$0...That's how much you typically pay for an annual wellness visit with your doctor, with Medicare. It's also how much you pay when you get certain screenings, such as mammograms, colonoscopies, diabetes screenings, and many more.

We know Medicare can be confusing!

The American Seniors Association has been working hard to protect your rights for over a decade. We were the first conservative senior association to stand up against the giant AARP on Obamacare, and we’re committed to offering you the best Medicare solutions available anywhere. We have done the due diligence so that you don’t have to! Whether you’re turning 65 and experiencing Medicare for the first time or you’re over the age of 65 and have questions regarding your existing policy, ASA can help you.

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Who is Eligible for Medigap Insurance?

If any of the following scenarios apply to you, then you are already guaranteed "eligible" to purchase Medicare supplemental insurance:

  • You are currently covered under Medicare Parts A & B
  • You are within 6 months of turning 65
  • You are within 6 months of receiving Part B coverage
  • If you are about to lose your group health insurance plan

Please note that you may still be required to answer some medical questions about your overall health and wellness. If you have questions, contact us today at (800) 951-0017.

Medicare Part A & B: Original Medicare Plan

Part A: Inpatient Hospital Insurance

Eligible individuals are automatically enrolled in Part A with no premium.  Others apply to the program when they are eligible or pay a monthly premium if they have worked less than 40 quarters (or 10 years) in their lifetime

Part B: Outpatient / Physician Insurance

To obtain Part B, an eligible individual must enroll at their Social Security office during a specific period and pay a premium that is determined by their annual income.  If an individual does not enroll during that period he/she must pay a penalty when he/she does enroll.

How it works

Individuals with Medicare are called beneficiaries.  Beneficiaries may go to any doctor, supplier, hospital or other facility that accepts Medicare and is accepting new Medicare beneficiaries.  Beneficiaries are responsible for the deductible and coinsurance for most services.  The deductible is the amount a beneficiary must pay before Medicare begins to pay for services and supplies covered under the program.

Coinsurance is the share of the cost for services that the beneficiary is responsible for after the deductible is met, normally 20 percent.  To help pay for some of the health care costs that the Original Medicare Plan doesn’t cover, beneficiaries may choose to purchase Medicare supplemental health insurance (Medigap policy).  They may also choose to enroll in a Medicare Prescription Drug Plan (Medicare Part D) to receive prescription drug benefits.