We Pledge To Find You The Best Medicare Coverage Plan For You
BAC Associates, LLC is your one-stop shop for Medicare Coverage Plans with a variety of Medicare providers based on your Medicare eligibility and needs. Our licensed agents will walk you through how to apply for Medicare and assist in choosing the best Medicare coverage for your family.
With over 35 years of experience numerous professional designations and awards, Owner Brian Mills offers personalized assistance to create Medicare plans that are specialized for your life and health. We find the exact Medicare benefits and Medicare health insurance you need. BAC Associates offers the following Medicare insurance plans and types:
- Medicare Supplement Plans
- Medicare Advantage
- Medicare Part D
In addition to offering Medicare information and guidance, BAC Associates also provide a variety of other insurance offerings, including:
- Health Insurance
- Supplemental Insurance
- Disability and Asset Protection
- Long Term Health Insurance
- Short Term Health Insurance
- Life Insurance
- Vision Insurance Plans
- Dental Insurance Plans
Licensed Insurance Brokers Here to Help You
When you choose BAC Associates, you will receive face-to-face consultations and personal contact from a licensed insurance broker throughout the process as you apply for Medicare and use the insurance in your day-to-day life. When you call BAC Associates, you will be speaking with someone who understands your concerns and will listen to your needs, not provide a canned sales pitch for products or services you do not need.
Call us today and see if we can answer your questions today!
“We choose not to offer every plan available in your area. Currently we represent 10 organizations which offer over 68 different products in your area. Contact Medicare.
Medicare Supplement
Medicare Supplement plans, also known as Medigap plans, are sold by private companies and are structured to cover some or all of the out-of-pocket costs that Medicare Parts A and B do not cover.
Medicare Advantage
Medicare Advantage, also known as Medicare Part C, combines coverage for hospital costs, doctor visits, and other medical services.
Medicare Part D
Medicare Part D plans are also known as Medicare prescription drug plans because they help cover the cost of prescription drugs that are not covered in Parts A and B.
Other Insurance
BAC Associates, LLC offers a variety of other insurance products through our carriers, including health, dental, vision, and more.
Contact Us Today!
Call us today and see if we can answer your questions today! Explore our website to learn more about the different Medicare plans available as well as more about our other insurance offerings.
Medicare Enrollment & Eligibility Information
10,000 people turn 65 every day and understanding Medicare Eligibility and Medicare Enrollment is a challenge for every single one of them. That is why we are here to help. Here is how it works.
Medicare eligibility begins when you turn 65 years old if you are a U.S. citizen for at least five consecutive years. There are a few special situations where you can become eligible earlier with certain disabilities or health issues. If you meet these eligibility requirements, then you qualify for Medicare Parts A and B, automatically available and managed by the federal government. The initial Medicare enrollment period is available three months before, the month of, and three months after your birthday when you turn 65.
What Does Medicare Cover?
Medicare Parts A and B are considered to be “original Medicare” offered as a federal health insurance program. However, Parts A and B do not cover all of your healthcare costs. This is where you have the option to buy Medicare Supplemental Insurance, Medicare Part D, or Medicare Advantage from private companies to help cover additional healthcare costs.
Medicare Enrollment & Eligibility Information
10,000 people turn 65 every day and understanding Medicare Eligibility and Medicare Enrollment is a challenge for every single one of them. That is why we are here to help. Here is how it works.
Medicare eligibility begins when you turn 65 years old if you are a U.S. citizen for at least five consecutive years. There are a few special situations where you can become eligible earlier with certain disabilities or health issues. If you meet these eligibility requirements, then you qualify for Medicare Parts A and B, automatically available and managed by the federal government. The initial Medicare enrollment period is available three months before, the month of, and three months after your birthday when you turn 65.
What Does Medicare Cover?
Medicare Parts A and B are considered to be “original Medicare” offered as a federal health insurance program. However, Parts A and B do not cover all of your healthcare costs. This is where you have the option to buy Medicare Supplemental Insurance, Medicare Part D, or Medicare Advantage from private companies to help cover additional healthcare costs.
What is Medicare Part A?
Medicare Part A is provided by the federal government to pay for:
- Inpatient hospital stays
- Skilled nursing services
- Hospice care
- Certain blood transfusions
- Inpatient mental health
Most people do not pay premiums with Part A because they have paid into Social Security for at least 10 years. If you have not made contributions to Social Security or if you enroll in Medicare Part A late, your monthly premiums will be high. There are certain costs that come with Part A, such as:
- You pay a deductible before Part A starts paying costs for each hospital stay.
- If you stay in a hospital for longer than 60 days, you will pay a daily copay. The copay rises after 90 days in a hospital.
- If you stay in a skilled nursing facility for longer than 20 days, you pay a copay.
- There is a copay for outpatient prescription drugs received in hospice care.
- You pay coinsurance for inpatient respite care for hospice patients.
There is a possibility that multiple hospital stays mean multiple deductibles. There are other coverage limits for Medicare Part A, including:
- Hospital care outside of the U.S. (usually)
- Doctor services in the hospital
- Personal in-hospital costs (ie: custodial care)
- Prescription drug costs
- Additional Medicare benefits, such as hearing, dental, and vision
Medicare enrollment in Part A cannot be denied based on medical history or pre-existing conditions. To sign up for Medicare Part A, enrollment is automatic if you have been paying into Social Security. If you have not paid into Social Security, you can sign up at your local Social Security office.
What is Medicare Part B?
Medicare Part B goes hand-in-hand with Medicare Part A and is provided by the federal government if you have been paying into Social Security at the time of Medicare eligibility. Medicare Part B pays for:
- Necessary doctor visits and services
- Outpatient hospital visits, mental health, physical therapy, occupational therapy, speech-language therapy
- Ambulance
- Laboratory services
- Durable medical equipment including wheelchairs, oxygen tanks, etc.
- Some preventive care, diagnostic screenings, and skilled nursing
- Dental, vision, and hearing only in certain limited situations
For Medicare Part B, you will pay a monthly premium based on your yearly income. Joining after the initial enrollment period for Medicare Part B can make your monthly premium higher. If you receive Social Security, it will be deducted automatically from your Social Security benefits. Other costs associated with Medicare Part B include:
- A deductible paid for the year before Medicare Part B starts paying a share of your costs.
- A copay for outpatient hospital visits.
- Coinsurance after a deductible is paid. Part B covers 80% of the Medicare-approved coinsurance and you pay 20%, generally speaking.
There is no maximum out of pocket for Medicare Part B. There are some coverage limits depending on each situation. Care outside the U.S. is not usually covered.
Certain things, like the amount Part B will pay for occupational therapy or depending on when you get a screening, may not be covered. There are often excess charges that Part B will not cover.
To sign up for Medicare Part B, you can enroll as soon as you are eligible or certain times of the year during open enrollment. There may be a penalty if you do not enroll at the time of Medicare eligibility. Enrollment is usually automatic, or you can sign up at your local Social Security office. Medicare Part B cannot be denied because of your medical history or pre-existing conditions if you already have eligibility for Medicare.
Other Medicare Coverage Options from Private Companies
Medicare Parts A and B do not cover many things, including deductibles, coinsurance, premiums, and excess charges from Part B, prescription drug coverage, vision, hearing, and dental. This is where additional Medicare coverage plans offered by private Medicare providers come into play. You have two main options when it comes to additional Medicare plans for coverage.
Option 1
Medicare Supplemental Insurance which covers some or all of the costs that are not covered by Parts A & B and/or Medicare Part D which covers prescription drug costs.
Option 2
Medicare Advantage, also known as Medicare Part C, which combines Parts A & B to provide additional benefits. Most Part C plans cover prescription drug costs, dental, vision, hearing, fitness benefits , over the counter benefits and much more.
BAC Associates, LLC provides these Medicare plans through the many Medicare providers we work with. Our personalized service and face-to-face consultations ensure we will find the perfect plan that meets your needs.
“We choose not to offer every plan available in your area. Currently we represent 10 organizations which offer over 68 different products in your area. Contact Medicare.
Health Insurance Plans & Information
BAC Assocaites, LLC is your one-stop shop for all insurance needs. Brian Mills works with multiple insurance companies to find the most appropriate and affordable health insurance plan to fit your lifestyle and budget.
We will get to know you before recommending the most affordable health insurance option that also provides the most coverage for you and or your business. We can provide a variety of health insurance plans to cover all your needs, including:
Individual and Family Health insurance Plans
Alternative Health Plans and Share Plans
ACA Marketplace Assistance
Short Term Health Insurance
Dental Coverage
Vision Insurance Plans
Contact Us!
Call us today and see if we can answer your questions today! Explore our website to learn more about the different Medicare plans available as well as more about our other insurance offerings.
“We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.”
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- (816) 974-2679
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