If you've begun receiving Social Security Disability Insurance benefits, it's time to think about signing up for Medicare. Be sure that if you go this route for Medicare lead generation that you make the focus of your campaign around education and becoming a resource, rather than trying to sell Medicare supplements right away to people who don't know you from a hole in the wall.

However, as described earlier, four of the states that have community rating (CT, MA, ME, NY), have guarantee issue protections and require insurers to issue Medigap policies to eligible applicants either continuously during the year, or during an annual enrollment period.

Another perk of shopping United healthcare is the number of plans the company offers. For Medicare beneficiaries younger than age 65, policymakers could consider adopting federal guaranteed issue protections, building on rules already established by the http://heartvod.com/ majority of states.

Remember, in most cases, if you don't sign up for Part B when you are first eligible, you will have to pay a late enrollment penalty for as long as you have Part B. Your monthly premium for Part B may go up 10% for each full 12-month period that you could have had Part B, but didn't sign up for it. Also, you may have to wait until the General Enrollment Period (from January 1 to March 31) to enroll in Part B, and coverage will start July 1 of that year.

Insurance plans like these also go by the name Medigap because they aim to take care of the things Medicare does not cover. With Railroad Medicare, the Part A plan will be able to cover hospitalization. As long as you pay the monthly premium associated with your Medigap policy, it cannot be canceled by the insurance company.