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More than 365,000 Californians will turn 65 this year. Turning 65 is a lot like turning 16. When you turned 16, you didn’t automatically get your driver’s license; instead you had to take an exam and prove that you were a safe driver. There was a specific procedure for getting your driver’s license and the same is true for enrolling in Medicare for the first time when you turn 65. Much like you anticipated turning 16 and getting your driver’s license, you must anticipate and plan for becoming a Medicare beneficiary. Don’t wait until you’re 65 to start thinking about your Medicare choices. Start now and let Bridlewood Insurance Services help you with all your Medicare needs.

Bridlewood Insurance Services is San Diego’s leader in providing no-cost, unbiased information about Medicare and other insurance-related issues. It is recommended that you review your Medicare options before you need to enroll so that you don’t make any hurried decisions at the last minute. Your Medicare choices will depend on several factors, including:

➸ Are you retired, or will you or your spouse continue to work?

➸ Will you have access to medical and/or prescription drug coverage through an Employer Group Health Plan?

➸ How does your Employer Group Health Plan compare with Medicare Supplement Insurance plans and Medicare Advantage plans?

Of course there are other things to consider when determining your Medicare options. Bridlewood has an easy to read guide to help you navigate the Medicare system and initial enrollment process. Bridlewood has easy-to-read reference materials to help you navigate the Medicare system and initial enrollment process. Our licensed agents can help outline the decisions you’ll need to make and the options that are available to you. For more information, call Bridlewood at 1-877-267-5514.

The “Medicare 101 Workshops” will be held monthly in various parts San Diego. Mark your calendar for the upcoming workshops and bring your questions. Our friendly agents have years of experience and have helped thousands of members join Medicare right here in San Diego. You can also meet with a licensed and certified agent that specializes in Medicare Insurance in the comfort of your own home to discuss your Medicare options. To arrange an in-home appointment with a Bridlewood agent, contact Bridlewood at 1-877-267-5514.

Don’t wait to make your Medicare decisions — you can and should start the process before you become eligible for Medicare. Let Bridlewood help you understand your options and get you on the road to Medicare.

 

How do you know which Medicare Plan is right for you?

Our knowledgeable, trustworthy agents will provide you with the information you need to make your Medicare experience easy and affordable. Medicare is a critical part of life after 65, let Bridlewood take care of your Medicare needs.

Hospital Insurance (Part A)

Medicare (Part A) covers services like: doctor visits, lab tests & co-pays, as well as surgeries. Medicare (Part A) also covers supplies like: wheelchairs and walkers, or anything considered medically necessary to live daily life. If you’re in a Medicare Advantage Plan or other Medicare plan, you may have different rules, but your plan must give you at least the same coverage as Original Medicare. Some services may only be covered in certain settings or for patients with certain conditions.

Medical Insurance (Part B)

Medicare (Part B) is part of Original Medicare and covers services that are medically necessary to treat your health. It also covers part-time or intermittent home health and rehabilitative services, such as physical therapy; if they are directed by a doctor to treat your condition. As a new member to Medicare (Part B), you will be eligible for a one-time “Welcome to Medicare” physical exam. For a full list of preventive services covered under Medicare (Part B), contact your Bridlewood agent. By law, Medicare Advantage plans must offer at least the same level of coverage as Original Medicare, and some plans include additional coverage not included in Original Medicare.

Advantage Plans (Part C)

Medicare (Part C) is known as “Medicare Advantage”, and is not a separate benefit. Medicare (Part C) is the part of Medicare policy that allows private health insurance companies to provide Medicare benefits. These Medicare private health plans, such as HMOs and PPOs, are again known as Medicare Advantage plans. Bridlewood allows you to get your Medicare coverage through a Medicare Advantage plan instead of Original Medicare.

You may also see Medicare Advantage plans called Special Needs Plans (SNP), Provider Sponsored Organizations (PSO) and Medicare Medical Savings Accounts (MSAs).

Prescription Drugs (Part D)

Eligible parties across the U.S. have the option of enrolling in a Medicare (Part D) plan to receive their prescription drug coverage. Medicare (Part D) plans are offered through private insurance companies that are contracted by Medicare, so costs and availability may differ between carriers and by location. Part D plans include stand-alone Prescription Drug Plans (PDPs) and Medicare Advantage Prescription Drug (MAPD) plans. Medicare requires that all beneficiaries have some sort of creditable drug coverage, which includes Medicare (Part D) plans and employer health coverage. It is recommended that beneficiaries enroll in a Medicare (Part D) plan when they are first eligible to avoid any late enrollment penalties.