Maryland Medicare Options

The main difference between myself and other "agents" is that Medicare insurance is all I do.  I have elected to make Medicare my only line of business. I'm local to Maryland (Annapolis) and cover the entire state, no matter where you live. This means we can meet in person and I have local knowledge of the area, rules, deadlines and doctor networks. I'm licensed with many carriers that other agents don't even know about. And since I've helped 100's of seniors obtain great coverage, I know all the little "tricks and gotchas" of the Medicare universe.  My focus is to find you the best coverage for the lowest price.

You only get one chance to "start Medicare" and working with someone that knows exactly what to do is critical to ensure a smooth and efficient transition.  Give me a call to discuss your Medicare needs.

Sometimes too many choices leads to analysis paralysis and mass confusion. There is a ton of out-dated and misinformation out there. I always stay up-to-date and present my clients with ALL their choices in the marketplace, even if I don't have access to one or two options (I still want you to know about them).

Medicare insurance is complex.  It has various deadlines, acronyms, pricing structures and rules that if broken or ignored, can lead to penalties in the form of delayed coverage or even financial penalties. 

Since I offer all types of medicare plans, I can walk you through all of them, explaining them in plain english so you fully understand each benefit. This is the only way you can ever have a clear picture about your medicare options. If you're turning 65 soon, learn What To Do With Medicare When Turning 65.

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There are a few ways you can qualify for Medicare insurance. Most people qualify by turning 65 years of age. You can enroll into the Medicare system up to 3 months prior to your 65th birth month, but your benefits will not start until the first day of your 65th birth month. If you were born on the 1st, then your benefits start one month earlier, on the first day of the month prior to your 65th birth month.

You can also qualify for Medicare at any age if you're permanently disabled after a 2 year waiting period. Those that have End Stage Renal Disease (ESRD) or ALS (also known as Lou Gehrig’s disease) also qualify but do not have to wait 2 years to obtain benefits. Typically your benefits start after four months of dialysis or as soon as your SSDI benefits begin for those with ALS. To learn more about how you can qualify for Medicare, please visit Medicare.gov 

Waiting to enroll or missing vital deadlines may cost you money in the form of penalties, or even delayed enrollment!  Do NOT wait to enroll into Medicare unless you have credible coverage through a Union, or you are able to stay on your employer's group plan past your 65th birthday.  As long as you have credible coverage, you do not need to enroll into Medicare and you will not incur any penalties. There are exceptions to this rule, so please contact me at 410-896-1212 to discuss your situation.

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P.S.: Medicare is how I support my family.  I'm a hard working independent broker that is knowledgeable and committed to your satisfaction.  If you know of anyone I can help, I would appreciate you sharing my information with them.

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