Medicare provides excellent coverage, but it’s important to understand the costs associated with your benefits, so you can budget confidently for the year ahead.  Contact your SGIA Benefit Consultant  to find the best plans that meet your needs.  Premiums   A premium is the  monthly amount  you pay for insurance coverage.  Part A is usually  premium-free  for most beneficiaries  Part B has a  monthly premium set by Medicare   Part D and Medicare Advantage plans may also have 

Let's review the basics of  Medicare Enrollment Rules  to help you avoid penalties and ensure your coverage begins when you need it. When preparing to enroll, contact your SGIA Benefit Consultant and they will help you walk through the entire enrollment process, all at no cost to you.  Who Is Eligible to Enroll?  Adults turning  65   Individuals under 65 with qualifying disabilities   People with  ESRD or ALS   U.S.  citizens  or  permanent residents  (5+ years)  Part A & Pa

Medicare is divided into four parts, each with its own role. Our Benefit Consultants are here to guide you through understanding each part of Medicare while prioritizing you each step of the way.  Part A: Hospital Insurance  Helps cover:  Inpatient hospital stays  Skilled nursing facility care (after a qualifying stay)  Some home-health services  Hospice care  Most people receive Part A premium-free based on the Medicare taxes that you or your spouse paid while working fo

To start the year, let’s revisit some basic information about your coverage. Understanding the basics ensures you get the most out of your benefits and feel more confident when reviewing your plan with your SGIA Benefit Consultant throughout the year.  What is Medicare? Medicare is a federal health insurance program that helps cover healthcare costs for:  People age 65 and older   People under 65 with certain disabilities   People of any age with E nd-Stage Renal Disease (ES