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plan with bob medicare
Let us help you navigate the Medicare insurance process and find the plan that works best for you!
Overwhelmed by Medicare Options?
At Plan With Bob Medicare, we've made it our mission to simplify the Medicare process - assisting you to make an informed decision that's best for you.
Check out our video to begin the process of understanding What is Medicare.
plan with bob medicare
Bob Chitrathorn
plan with bob medicare
Bob's passion in senior advocacy helps to ensure that seniors today have an understanding of the health and wellness packages available as part of their Medicare choices. She believes that with a thorough understanding of both the pros and cons of Medicare Supplements, Medicare Advantage, and the gaps in Medicare itself that require ancillary products; she can ensure a client has access to the medical services they need – without red tape, delays, or breaking the bank.
Stay up to date on the latest news and resources related to Medicare. Connect with Bob!
WHAT IS MEDICARE
WHAT IS MEDICARE
Medicare is our Federal Insurance Program designed for people 65 years or older, certain people with disabilities, and those with permanent kidney failure treated with dialysis or a transplant. Also known as Original Medicare, there are 2 Parts to Medicare - Part A (hospital insurance), and Part B (medical insurance).
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MEDICARE ELIGIBILITY
MEDICARE ELIGIBILITY
A US citizen or permanent resident who has lived here at least 5 years can enroll in Medicare 3 months before or after they turn 65. One can also enroll if they've been receiving Social Security disability benefits for at least 24 months, or if they have end-stage renal disease or ALS (Lou Gehrig's Disease).
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MEDICARE ENROLLMENT
MEDICARE ENROLLMENT
Those receiving Social Security, Railroad Retirement, or disability benefits, will be automatically enrolled in Medicare Part A & B, and sent an Initial Enrollment Package with Medicare Card 3 months prior to a 65th birthday or 24th month of disability. Others will need to file an application through the Social Security Administration.
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MEDICARE SUPPLEMENTS
MEDICARE SUPPLEMENTS
Also known as Medigap, Medicare Supplements are insurance policies that help one pay the out-of-pocket costs (coinsurance & copayments) of Medicare. Some will also help cover emergency care that may be needed when traveling outside the U.S. (which Medicare won’t do).
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MEDICARE ADVANTAGE
MEDICARE ADVANTAGE
Medicare Advantage (Part C) are private health plans that contract with the federal government to provide the same Medicare benefits included with Original Medicare (Part A & B); however, different costs, rules, and restrictions may apply, and added benefits may be offered above what Original Medicare provides.
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MEDICARE PART D
MEDICARE PART D
Original Medicare does not cover the cost of prescription drugs. Medicare Part D is the insurance plan that covers the cost of outpatient prescription drugs.
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VA BENEFITS & MEDICARE
VA BENEFITS & MEDICARE
A veteran may be eligible for Veterans Affairs (VA) benefits. VA benefits are administered by the federal government and include health care, among other benefits. Medicare and VA benefits do not work together, though one can be enrolled in both. Medicare will not pay for any care received at a VA facility though.
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DENTAL, VISION & HEARING
DENTAL, VISION & HEARING
Original Medicare does not include dental, vision, or hearing benefits, so generally there will be out-of-pocket costs for any dentures, hearing aids, or any eye wear needs. Fortunately, Medicare recipients can purchase a dental, vision, or hearing (DVH) insurance plan to help offset these costs.
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CANCER PLANS
CANCER PLANS
Insurance policies that supplement your current health plan to offset the costs associated with a cancer diagnosis. Benefits generally include hospital stays, surgery, radiation, chemotherapy, and other types of cancer treatment, though they can vary by plan.
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TESTIMONIALS
“Just wanted to let you know, we can’t say enough about how much we appreciate you helping my parents find insurance. It is almost unbelievable how much money they are saving! I was worried that this was going to be a long process and wasn’t sure they would save any money, but the process was fast, easy and they are saving a lot of money. Thank you so much! I will recommend your company to anyone I know that is looking for supplemental insurance! Thanks again!! ”
Carla B., Kansas
★★★★★
Happy Clients
“Just wanted to let you know, we can’t say enough about how much we appreciate you helping my parents find insurance. It is almost unbelievable how much money they are saving! I was worried that this was going to be a long process and wasn’t sure they would save any money, but the process was fast, easy and they are saving a lot of money. Thank you so much! I will recommend your company to anyone I know that is looking for supplemental insurance! Thanks again!! ”
Marilyn T., Oklahoma
★★★★★
“Just wanted to let you know, we can’t say enough about how much we appreciate you helping my parents find insurance. It is almost unbelievable how much money they are saving! I was worried that this was going to be a long process and wasn’t sure they would save any money, but the process was fast, easy and they are saving a lot of money. Thank you so much! I will recommend your company to anyone I know that is looking for supplemental insurance! Thanks again!! ”
Richard T., Arizona
★★★★★
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Whether you are just now approaching 65 and need help understanding the alphabet soup of Medicare’s offerings, or you’ve had a plan for a some time, we are here to support you!