{"id":42258,"date":"2018-09-11T13:30:45","date_gmt":"2018-09-11T18:30:45","guid":{"rendered":"https:\/\/unicogroup.com\/?page_id=42258"},"modified":"2025-11-06T15:00:34","modified_gmt":"2025-11-06T21:00:34","slug":"medicare","status":"publish","type":"page","link":"https:\/\/unicogroup.com\/personal-insurance\/medicare\/","title":{"rendered":"Medicare"},"content":{"rendered":"[vc_row][vc_column][vc_btn title=”Personal Insurance” style=”outline-custom” outline_custom_color=”#003a70″ outline_custom_hover_background=”#003a70″ outline_custom_hover_text=”#ffffff” size=”sm” i_icon_fontawesome=”fas fa-arrow-left” add_icon=”true” link=”url:https%3A%2F%2Funicogroup.com%2Fpersonal-insurance%2F|title:Personal%20Insurance” css=”.vc_custom_1617308496948{margin-right: 6px !important;}”][vc_btn title=”Employee Benefits” style=”outline-custom” outline_custom_color=”#003a70″ outline_custom_hover_background=”#003a70″ outline_custom_hover_text=”#ffffff” size=”sm” i_icon_fontawesome=”fas fa-arrow-left” add_icon=”true” link=”url:https%3A%2F%2Funicogroup.com%2Femployee-benefits%2F|title:Employee%20Benefits” css=”.vc_custom_1617308504348{margin-left: 6px !important;}”][\/vc_column][\/vc_row][vc_row content_placement=”middle”][vc_column width=”1\/2″][vc_column_text]\n

Do I need Medicare?<\/b><\/span><\/h1>\n

Medicare is for 3 basic groups of people.<\/p>\n

    \n
  1. People ages 65 and older.<\/li>\n
  2. People under age 65 with certain disabilities.<\/li>\n
  3. People of all ages with end-stage renal disease.<\/li>\n<\/ol>\n

    For today, we\u2019re going to assume you are in the first group.<\/p>\n

    Most people enroll around their 65th<\/sup> birthday. You can enroll during the 3 months before your birth month, the month of your birth and 3 months after that month giving you a 7 month initial enrollment period. Depending on when you enroll, coverage can start as early as the month of your 65th<\/sup> birthday.[\/vc_column_text][vc_btn title=”I need a Medicare quote” style=”outline” color=”inverse” align=”left” link=”url:https%3A%2F%2Funicogroup.com%2Fmedicare-quote-request%2F|title:Contact%20Us|target:%20_blank|”][\/vc_column][vc_column width=”1\/2″][vc_single_image image=”51056″ img_size=”600×450″ alignment=”center” style=”vc_box_rounded” css=”.vc_custom_1606161938839{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}”][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” gap=”10″ bg_type=”bg_color” bg_color_value=”#eff5f7″][vc_column][vc_column_text]\n

    Types of Medicare<\/strong><\/span><\/h2>\n[\/vc_column_text][vc_column_text]There are four types of Medicare: Medicare Part A, Medicare Part B, Medicare Advantage Plans and Medicare Part D.[\/vc_column_text][vc_row_inner content_placement=”middle” css=”.vc_custom_1593478581674{background-color: #ffffff !important;border-radius: 10px !important;}” el_class=”grow”][vc_column_inner width=”1\/12″ offset=”vc_hidden-sm vc_hidden-xs”][\/vc_column_inner][vc_column_inner width=”5\/6″][vc_column_text]\n
    Medicare Part A<\/strong><\/span><\/h5>\n

    Medicare Part A helps cover inpatient care in hospitals, skilled nursing facilities, and hospice and home health care. Generally there is no monthly premium if you qualify and paid Medicare taxes while working.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/12″ offset=”vc_hidden-sm vc_hidden-xs”][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=”yes” content_placement=”middle” css=”.vc_custom_1592430013216{background-color: #ffffff !important;border-radius: 10px !important;}” el_class=”grow”][vc_column_inner width=”1\/12″ offset=”vc_hidden-sm vc_hidden-xs”][\/vc_column_inner][vc_column_inner width=”5\/6″][vc_column_text]\n

    Medicare Part B<\/b><\/span><\/h5>\n

    Medicare Part B helps cover medical services like doctors\u2019 services, outpatient care and other medically necessary services that Part A doesn\u2019t cover. You need to enroll in Medicare Part B and pay a monthly premium determined by your income, along with a deductible.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/12″ offset=”vc_hidden-sm vc_hidden-xs”][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=”yes” content_placement=”middle” css=”.vc_custom_1592430030157{background-color: #ffffff !important;border-radius: 10px !important;}” el_class=”grow”][vc_column_inner width=”1\/12″ offset=”vc_hidden-sm vc_hidden-xs”][\/vc_column_inner][vc_column_inner width=”5\/6″][vc_column_text]\n

    Medicare Advantage Plans<\/strong><\/span><\/h5>\n

    Medicare Advantage plans require that you have original Medicare Parts A & B.\u00a0 It provides coverage though provider networks also called HMOs, PPO, and MSAs.\u00a0 Medicare Advantage Part C basically replaces original Medicare Parts A and B and can include coverage for Medicare Part D.\u00a0 The key benefit is that Medicare Advantage plans include a maximum out of pocket feature to help you control costs.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/12″ offset=”vc_hidden-sm vc_hidden-xs”][\/vc_column_inner][\/vc_row_inner][vc_row_inner equal_height=”yes” content_placement=”middle” css=”.vc_custom_1601393977089{background-color: #ffffff !important;border-radius: 10px !important;}” el_class=”grow”][vc_column_inner width=”1\/12″ offset=”vc_hidden-sm vc_hidden-xs”][\/vc_column_inner][vc_column_inner width=”5\/6″][vc_column_text]\n

    Medicare Part D<\/strong><\/span><\/h5>\n

    Medicare Part D is prescription drug coverage and is available to everyone with Medicare. It is a separate plan provided by private Medicare-approved companies, and you must pay a monthly premium.[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/12″ offset=”vc_hidden-sm vc_hidden-xs”][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row content_placement=”middle”][vc_column width=”1\/2″][vc_column_text]\n

    Trust UNICO to answer the complicated questions like:<\/span><\/strong><\/h2>\n
      \n
    • Should I enroll in Medicare Parts A & B now or remain on my current group health plan?<\/li>\n
    • If I remain on my current group health plan, is the prescription drug benefit portion of that plan \u201ccreditable\u201d by federal definition or will I face a future penalty?<\/li>\n
    • If I enroll in Medicare, should I use a Medicare Supplement and separate Prescription Drug card or a Medicare Advantage Combination plan?<\/li>\n
    • I have Medicare NOW. Am I spending too much in premium?<\/li>\n<\/ul>\n[\/vc_column_text][vc_btn title=”Get a Quote” style=”outline” color=”inverse” link=”url:https%3A%2F%2Funicogroup.com%2Fmedicare-quote-request%2F|target:_blank”][\/vc_column][vc_column width=”1\/2″][vc_single_image image=”51281″ img_size=”600×450″ alignment=”center” style=”vc_box_rounded” css=”.vc_custom_1617308682441{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}”][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” content_placement=”middle” css=”.vc_custom_1617308739740{background-color: #f5f5f5 !important;}”][vc_column][vc_column_text]\n

      Get in touch with a Medicare specialist today<\/strong><\/span><\/h2>\n[\/vc_column_text][vc_row_inner][vc_column_inner width=”1\/2″][vc_btn title=”I’m a new client and need my portfolio reviewed” style=”outline” color=”inverse” align=”center” button_block=”true” link=”url:https%3A%2F%2Funicogroup.com%2Fmedicare-quote-request%2F|title:Contact%20Us|target:%20_blank|”][\/vc_column_inner][vc_column_inner width=”1\/2″][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row full_width=”stretch_row”][vc_column][vc_column_text]\n

      Related Insights<\/strong><\/span><\/h2>\n[\/vc_column_text][vc_basic_grid post_type=”post” max_items=”3″ item=”49338″ grid_id=”vc_gid:1762462734407-a19377ad-44bc-10″ taxonomies=”242″][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"

      [vc_row][vc_column][vc_btn title=”Personal Insurance” style=”outline-custom” outline_custom_color=”#003a70″ outline_custom_hover_background=”#003a70″ outline_custom_hover_text=”#ffffff” size=”sm” i_icon_fontawesome=”fas fa-arrow-left” add_icon=”true” link=”url:https%3A%2F%2Funicogroup.com%2Fpersonal-insurance%2F|title:Personal%20Insurance” css=”.vc_custom_1617308496948{margin-right: 6px !important;}”][vc_btn title=”Employee Benefits” style=”outline-custom” outline_custom_color=”#003a70″ outline_custom_hover_background=”#003a70″ outline_custom_hover_text=”#ffffff” size=”sm” i_icon_fontawesome=”fas fa-arrow-left” add_icon=”true” link=”url:https%3A%2F%2Funicogroup.com%2Femployee-benefits%2F|title:Employee%20Benefits” css=”.vc_custom_1617308504348{margin-left: 6px !important;}”][\/vc_column][\/vc_row][vc_row content_placement=”middle”][vc_column width=”1\/2″][vc_column_text] Do I need Medicare? Medicare is for 3 basic groups of people. People ages 65 and older. People under age 65 with certain disabilities. People of all ages with end-stage renal disease. For today, we\u2019re going to assume you are in the first group. Most people enroll around their 65th birthday. You can enroll during the 3 months before your birth month, the month of your birth and 3 months after that month giving you a 7 month initial enrollment period. Depending on when you enroll, coverage can start as early as the month of your 65th birthday.[\/vc_column_text][vc_btn title=”I need a Medicare quote” style=”outline” color=”inverse” align=”left” link=”url:https%3A%2F%2Funicogroup.com%2Fmedicare-quote-request%2F|title:Contact%20Us|target:%20_blank|”][\/vc_column][vc_column width=”1\/2″][vc_single_image image=”51056″ img_size=”600×450″ alignment=”center” style=”vc_box_rounded” css=”.vc_custom_1606161938839{margin-top: 0px !important;margin-right: 0px !important;margin-bottom: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-right: 0px !important;padding-bottom: 0px !important;padding-left: 0px !important;}”][\/vc_column][\/vc_row][vc_row [\u2026]<\/span><\/p>\n","protected":false},"author":5,"featured_media":51056,"parent":40807,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-42258","page","type-page","status-publish","has-post-thumbnail","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/unicogroup.com\/wp-json\/wp\/v2\/pages\/42258","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/unicogroup.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/unicogroup.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/unicogroup.com\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/unicogroup.com\/wp-json\/wp\/v2\/comments?post=42258"}],"version-history":[{"count":2,"href":"https:\/\/unicogroup.com\/wp-json\/wp\/v2\/pages\/42258\/revisions"}],"predecessor-version":[{"id":62933,"href":"https:\/\/unicogroup.com\/wp-json\/wp\/v2\/pages\/42258\/revisions\/62933"}],"up":[{"embeddable":true,"href":"https:\/\/unicogroup.com\/wp-json\/wp\/v2\/pages\/40807"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/unicogroup.com\/wp-json\/wp\/v2\/media\/51056"}],"wp:attachment":[{"href":"https:\/\/unicogroup.com\/wp-json\/wp\/v2\/media?parent=42258"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}