How Does Medicare Work?
Medicare is the federal health insurance program that was developed to provide benefits to American citizens and permanent legal residents (five years or more) aged 65+ or who have a qualifying illness or disability. While many seniors are automatically enrolled into Original Medicare, Part A and Part B, when they become eligible, others will need to manually enroll into Medicare. Medicare Part A is hospital insurance while Medicare Part B is medical insurance. Availability and costs of Medicare plan options can vary greatly from one insurance company to another, and from one geographic area to another. At ABC Coverage, we recommend discussing your individual needs with a Medicare specialist so that you are assured to select the coverage that best fits your individual needs. Contact us today to schedule your personalized, no-obligation Medicare review
Can you help me find a Medicare plan?
A key advantage of working with Julie and ABC Health Coverage is that we discuss your lifestyle, health, coverage needs, and budget and present the range of Medicare plans that suit your unique requirements. We provide clear, concise information in a streamlined, one-stop experience so that you can more easily compare plans, benefits, and prices from a variety of companies in one place. All of our services are free to you and you and without bias -other than finding the best solution for your needs.
When may I enroll in Medicare?
You can enroll in Medicare Part A and/or Part B during the seven month period surrounding your 65th birthday. This includes the three months before you turn 65, your birthday month, and the three months after you turn 65. If you are receiving Social Security, you will automatically be signed up for Medicare Parts A and B beginning the first day of the month you turn 65.
Do I need to be on the same plan or plans as my spouse?
No, all Medicare plans are issued on an individual basis.
Will I have a dedicated account manager with ABC Health Coverage?
Absolutely. With ABC Health Coverage Julie Biederman will personally respond to you throughout the course of your relationship. Unlike other brokers who may take a “set it and forget it” approach, Julie is the healthcare warrior you want in your corner. From inquiry to enrollment through renewal and beyond, Julie will provide you with highly focused attention to ensure your questions are answered and that you thoroughly understand your options. She brings to force more than 20 years of experience to skillfully navigate the healthcare and Medicare system on your behalf and to help you get your claims paid.
Her stellar reputation for getting results stems from providing the highest level of customer service, integrity, responsiveness, and expertise. With Julie, you won’t just receive a knowledgeable insurance broker, you’ll also gain a savvy advocate fights for your rights and always make herself available to answer your questions -large or small.
Julie is a licensed insurance agent in the state of Florida and a Medicare/Medigap specialist. Her extensive experience with Medicare, medical practice management and billing enable her to get results in even the most complex and challenging health insurance situation. She is happily married and resides in Fort Lauderdale, Florida.
Why should I choose ABC Health Coverage over going direct?
Insurance companies only sell products from their own company line. Julie Biederman offers plans from multiple insurance companies giving her clients a wider range of options. With Julie, you’ll receive expert advice, better options and the highest level of customer service from a responsive, caring industry professional while also receiving the best price on your premiums.on your premiums.
What fees do you charge?
Our clients receive highly individualized, concierge service yet pays no fees to work with us. Working with a licensed health insurance agent such as Julie is designed to save you time and money while making the process a whole lot easier.
Will I find cheaper rates going directly to the Insurance provider?
Since health insurance plan rates are filed with and regulated by our state Department of Insurance, the monthly premiums should stay the same regardless of whether you buy with us or directly with the provider.
Are you able to help us understand the available plans on the government exchange?
Absolutely! We will help you understand your plan options both on and off the exchange and the benefits or drawbacks of each.
How does your ABC Health Coverage handle renewals?
Julie Biederman and ABC Health Coverage take renewals seriously. While some health insurance firms may have a systematic renewal process in place, we take a highly individualized and caring approach to each patient’s renewal. We understand that your health needs may change and your health coverage must change along with you.
Julie will take the time to discuss the changes in your health, business, finances and life that may impact your health care coverage requirements. She takes the time to thoroughly explain the nuances, benefits and drawbacks to each option so that you are empowered to select the coverage that is right for you. In addition, Julie is available to conduct an annual prescription review to optimize her client’s prescription coverage at no cost to her clients. (This only applies to Medicare clients)
Best of all, we are here for you throughout the year. Have a question about getting your bill paid? Have a change in your business or health? We embrace our clients like family and are here for you. if you have a health insurance or billing challenge or question, just give us a call. We’ll walk you through the best approach for your unique situation.
Will you act as my advocate if I have a problem with my coverage or a single bill?
Yes! Julie will act as your advocate after enrollment. Her extensive background managing medical offices, medical billing, Medicare and other health insurance has given her a thorough understanding of the medical system, billing codes and how to get things paid or pre-approved. This expertise puts her in the unique position to fight for you and get results.
In addition to enrollment, here are a few of the services we provide:
- Medicare/Medigap Specialization
- Annual Prescription review for Medicare clients.
- Explain plan designs, benefits and options.
- Work to resolve billing issues.
- Help COBRA-eligible beneficiaries with coverage following changes in their employment.
- Negotiate renewable rates for employers. (Can only negotiate rates for companies with 50+ employees)
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