• positive review  I am so thrilled to have this selection over with. The relief is beyond description. Joann listens and talks straight. And with me if I hear or feel something is off I will politely exit the conversation. My questions and feedback were truthfully answered and at no time did I get the feeling that I was being lead, pushed or a sales pitch was happening. It was great service. Thank you and thanks for listening.

    Pilan Sue Butts Avatar Pilan Sue Butts
    April 5, 2019
  • 5 star review  I found Joann on YouTube while researching supplemental insurance. Her videos are so easy to understand Medigap. I have been in contact via email and phone. I highly recommend watching her videos. Thank you Joann for making it easy to navigate this new chapter in my life.

    Tina Hiebert Avatar Tina Hiebert
    September 19, 2018
  • 5 star review  Best decision I made going through Remdigap. I must have watched 40-50 videos from several different carriers and they mostly seemed shady. One I spoke to Joanne and walked through options, receieved some quotes she took care of the rest with absolutely no pressure. Oh yeah, her videos are clear and concise.

    Joe Moynihan Avatar Joe Moynihan
    June 15, 2018
  • 5 star review  My husband and I have been researching Medigap and Part D plans for months. Once we thought we knew what we were doing, we would find out we didn’t! Lol! If we would have started here, with Joann and REMEDIGAP, it would have been painless! So thankful we found her! Watch the videos, ask ANY question, and rest assured you’ll get a competitive rate and ZERO pressure. We got a super fast response which was helpful with my work schedule. Joann is genuine, easy to talk to, has a great sense of humor! What a Godsend. Feels like good old-fashioned customer service to me. Grateful.

    Angele Navares Avatar Angele Navares
    April 30, 2018
  • 5 star review  I came across Remedigap by chance and after reading some of the reviews I knew I had to check them out. I am so glad I did!!! So glad I had to tell anyone who will listen…hence this review. I cannot thank Joann enough for answering my questions at the 11th hour! She has, hands down, provided me with the most consise straightforward answers to my questions. Without so much as a hint of pressure in one direction or a other, so refreshing…so very important in this day and age when healthcare coverage can be dauntingly confusing! I appreciate it so much!

    Elizabeth Tatge Avatar Elizabeth Tatge
    December 7, 2017
  • 5 star review  Phoned them “cold” – based on a local area on aging recommendation and several comments penned by Ms. Quinn on websites. Unlike ALL other agencts, only Joann refrained from asking for my commitment to by a plan through them. At the same time, Joann put some searches into play and has promised to phone me once more with additonal input. It was I who offered to write this testimonial. Withouit purchasing a policy, it is the only way I know to express my gratitude for her professional conduct and genuine concern. Thank you, Joann! PS: You can take the teacher out of the school, but you can’t take the schoolteacher away. Your videos are very clearly laid-out: like a carefully constructed lesson

    Karen P. Katz Avatar Karen P. Katz
    November 7, 2017
  • 5 star review  Highly recommend REMEDIGAP videos if you want to understand the Medicare/medigap maze. Joann was thorough in her responses to my questions and requests for rates. Undoubtedly, I will be contacting this company when it is time for me to purchase a medigap policy.

    Rick Graves Avatar Rick Graves
    September 27, 2017
  • 5 star review  Very professional and courteous service. I will have a long term relationship with this business!

    Jack Broome Avatar Jack Broome
    May 12, 2017
  • 5 star review  This was the best thing I could have done for my self every thing was explained to me so I could make the best choice for me.And when I need help later they will be there for me .

    Diane Langille-stone Avatar Diane Langille-stone
    September 18, 2016
  • 5 star review  I left my Medicare Advantage HMO for a Medigap Plan N — I’m so happy I made the change. Joann was there to help me every step of the way and make the process so easy. What could have been an overwhelming situation ended up being completely stress free, thanks to Joann.

    Lorraine Roche Avatar Lorraine Roche
    August 7, 2016

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Medicare Part B

medicare part b

Medicare Part B is one of the 3 parts of Original Medicare. Part B is your health insurance and it provides coverage for preventative care or medically necessary outpatient medical services. A medically necessary service is a service or supply that is needed to treat or provide a diagnosis for a medical condition. Preventative service is a service that’s conducted in order to prevent an illness or detect it.

What Will Medicare Part B Cover?

Your Medicare Part B will provide medical coverage for a variety of medical services. Here are some of the most common outpatient services covered under Part B:

  1. Doctor Visits
  2. Preventative Care (Flu Shots, Mammograms, Colonoscopies, etc.)
  3. Ambulance Rides
  4. Chemotherapy & Dialysis
  5. Some surgeries
  6. Clinical research
  7. Durable medical equipment (DME)
  8. Lab Testing
  9. Some Chiropractic care
  10. Medications given in a medical setting (Antigens, Insulin with an insulin pump, Osteoporosis injections, and infused medications)

How Much Will Medicare Part B Cost?

Medicare Part B has a monthly premium as well as an annual deductible. The cost of the premium and deductible can change every year. Most people end up paying the monthly amount that is made by the United States government. A smaller amount of people can owe more based on their income level.

How you’ll Pay For Medicare Part B

Here are the 4 ways to pay for your Part B premiums:

  • Automatically: If you’re already enrolled and receive Social Security benefits, your Part B premiums will be deducted by Medicare straight from your SS check.
  • Quarterly: If you Medicare doesn’t deduct your Part B premium, then they will send you a quarterly bill.
  • Credit Card: You also have the ability to pay by credit card if you pay quarterly. This option can be found at the bottom of your quarterly invoice. You will simply fill out the payment coupon in the invoice. Once that’s completed, you’ll mail it to the Medicare Premium Collection Center.
  • Medicare Easy Pay: The last payment option is called the Medicare Easy Pay. This deducts your Part B premium payments every month from your preferred savings or checking account. The Medicare Easy Pay option is a free service.

Medicare Part B Eligibility 

Medicare Part B eligibility is linked to your Medicare Part A. If you are eligible for premium-free Medicare Part A; then you are eligible for Medicare Part B. You can simply enroll and pay your monthly premium. However, if you aren’t eligible for premium-free Medicare Part A, then you may qualify for Part B if you meet these requirements:

  • You are age 65 years or older
  • You are under the age of 65 years old and have a disability
  • You are a United States citizen or a permanent resident who resides in the U.S lawfully for at least 5 consecutive years

Enrolling In Medicare Part B

Are you getting your retirement benefits before age 65? Do you qualify for Medicare due to a disability? If you answered yes to these questions you will usually be enrolled automatically into both Medicare Part A and Part B once you become eligible.

  • Initial Enrollment Period (IEP) is a 7 month period that starts 3 months before 65th birthday “month”;  your birthday month; and finally the 3 months after your birthday month. You may enroll in Medicare Part A and Part B during your IEP.
  • Special Enrollment Period (SEP) is a special time that allows some people to delay enrollment in Part B without incurring a late enrollment penalty. You have to get confirmation of creditable coverage from your employer.
  • General Enrollment Period (GEP) Each year a General Enrollment Period for Medicare happens between January 1st and March 31. This is the time (usually the only time) when people who are eligible for Medicare Part A and/or Part B – but failed to enroll when 1st eligible. This is their other opportunity to join. Be aware, your coverage won’t start until July 1  of that that year. You still may have to pay a late enrollment penalty because you didn’t sign up when you were 1st eligible.

What if I’m late to enroll in Part B?

Make sure you don’t procrastinate with your enrollment – it can cost you! If you’re late with your Medicare Part B enrollment, you may have to pay a Part B penalty for life. It’s fairly common to miss your Medicare enrollment period so let’s avoid that at all costs.

Keep in mind that once you turn 65 years old (or older) and have Medicare Part B, you will enter your six-month Medicare Supplement Enrollment Period.

Medicare Enrollment Period Help

It’s so important to know all your Medicare options, rules and enrollment periods.

We hope that this article has helped, but we totally understand if you need some extra help. We know that missing an important enrollment date can cost you money that you’ll end up paying for the rest of your life.

If you want to be confident that you aren’t missing any deadlines then contact REMEDIGAP today! We’re Medicare experts and will help you with enrollment so you can avoid any costly enrollment penalties.

Call (888) 411-1329 for your free consultation today!

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