This weeks show, features special guest Dr. Cheryl Winchell. Dr. Winchell is a phenomenal primary care doctor with WellMed, one of the sponsors.
In the second half, Tom and Gary, along with Cheryl, go into the details about the quick mistakes to avoid with medicare.
Hello and good morning to all our friends listening in on this fabulous Florida Tuesday morning the sun is shining we’ve got smiles that are abundant in the studio this morning and it is already August 17th. I’m your host Gary Owen and Tom Bouvier. Find us every Tuesday morning at WSTU AM 1450 and WPSL 1590 AM.
All the way from Sebastian, Florida, we have Dr. Cheryl Winchell from WellMed, one of our sponsors of our show. A phenomenal primary care doctor that has been practicing for 17 years. Welcome Cheryl and Tanner, whom also works there. Cheryl was born in Michigan, moved to Florida with her parents, went back to Michigan for undergrad at Michigan State, and back to school in Florida Nova Southeastern university to finish school.
Bringing Proactive Preventive Health Care to Older Adults
Our goal is to provide better preventive health care to older adults through a proven, measurable and results-driven health care delivery system.
To help the sick become well and to help patients understand and control their health in a lifelong effort at wellness.
To change the face of health care delivery for the nation by providing quality, proactive patient care with a focus on prevention.
Integrity – Honor commitments made to patients and providers; never compromise ethics
Compassion – “Patients come first”; provide a holistic approach to care
Relationships – Collaborate with all health care providers to improve the lives of patients and caregivers
Innovation – Improve efforts related to patient experience
Performance – Demonstrate value to patient in how we manage their health; require shared accountability across health care providers
10 Quick Mistakes to Avoid with Medicare
1. Not signing up for Medicare when you first become eligible.
Sign up when you turn 65! If you sign up late, you get a 10% penalty when you sign up for Part B premium and you cannot sign up until the General Enrollment Period. If you are taking Social Security, you will automatically get enrolled in Part A and Part B premium. If not, then you are not going to get your Medicare card in the mail automatically. You have 100 days prior to turning 65 to enroll in Part B.
2. Not Taking Advantage of The Annual AEP (Annual Election Period).
It is important to have an annual review, during the annual election periods. It is important to receive an annual physical because you don’t know if your body has changed in the last 6 months to a year. It is important to know how things could change in Part B Plans, prescription drug plans, and Medicare advantage plans, those will change each year.
Related artcile: 5 Ways To Maximize Your Medicare
3. Not Understanding the Difference Between Original Medicare with A Medicare Supplement Plan and A Medicare Advantage Plan.
When we ask our clients, "what plan do you have?" We take a look at your ID and make sure it’s the same plan. Talk to us during the Open Enrollment period, October 15th through December 7th, and we will be your guide.
4. If You Are on A Medicare Supplement or Medigap Plan, Be Sure to Get with The Right Company.
It’s not so much about your first-year premium but more importantly it's the rate stability. Also make sure to review your PDP plan.
5. Not Understanding Your Rights.
You have he right to switch plans. It is important to know when to switch, how to switch, and who to switch to. Work with an unbiased independent Medicare agency that can guide you. Find and agency that works with multiple plans, not just one. We represent all the carriers and all the plans, that’s why it’s important to work with a professional team. We serve here on the Treasure Coast and the entire state of Florida, also 30 other states as well.
6. People Would Always Delay their part B.
People will delay buying a Medicare supplement plan, without understanding that if you wait, you may not be able to get on a supplement plan later on. Especially if you have health issues.
7. Not Understanding Your Out-of-Pocket Costs
It’s important that you work with a professional to guide you through that.
8. Not Taking Advantage of LIS (Low Income Subsidy) For Part D.
We talked to a client yesterday that was on a five-tier drug Xeljanz and the cost per month was over thirteen hundred dollars. So now because that that client is making less than nineteen thousand dollars a year, she qualifies for a low-income subsidy.
9. Not Knowing What Is Not Covered Under Original Medicare.
Such as long-term care, dental, vision, hearing, dentures, acupuncture, and things of that nature.
10. It’s Complicated, It’s Convoluted, It’s Confusing.
Tom and Gary are here to help bring clarity over confusion. We simplify the insurance planning so you can live a stress-free life that you deserve.
Give us a call at Owen Insurance Group (772) 210-1020 and www.oweninsurancegroup.net
About five minutes of your time, we need your name, email, zip code, if you are a smoker or not, have you filed a tax return, how many people are on your tax return. We can get a quote to you.
Call Owen Insurance Group (772) 210-1020 and oweninsurancegroup.net