Griffin Agency

Fast Fact: “Minimum and Essential Coverage” is Health coverage that will meet the individual responsibility requirement. Minimum essential coverage generally includes plans, health insurance available through the Marketplace or other individual market policies, Medicare, Medicaid, CHIP, TRICARE, and certain other coverage.

Is it mandatory to go on Medicare when you turn 65? No, but there are significant penalties for late enrollment unless you have other creditable medical coverage, such as from a large employer.

At age 65, you are eligible for Medicare, regardless of whether you are already taking Social Security income benefits. Some people also qualify for Medicare earlier than 65 due to a disability or illness.

Leaving employer coverage to transition to Medicare as your primary insurance can be overwhelming because it’s all new to you. Never fear, though; it’s a painless process when you know the proper steps.

Confused About Medicare? It is not unusual for a client to bring in a whole bag of mail that he has received at home and ask for our help to identify which things should be kept or tossed out.

Medicare Advantage plans work differently from Medigap plans, so make sure you understand all the differences between the two before signing up for an Advantage plan.

Medicare has become very confusing. Contact us today to review your situation in a no cost consultation.

In order for you to join a Chronic Illness Medicare SNP, your doctor will have to complete a chronic condition verification form at the time of your enrollment.

Like all Medicare Advantage plans, Special Needs Plans will have a network, usually either an HMO or a PPO.

Reminder: There are late enrollment penalties if you do not sign up for Medicare when you are first eligible and do not have other creditable coverage.