COH_Medicare-Brochure

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Connect One Health is your expert at guiding you through the Medicare health plan maze. We are here to help you understand your choices and answer all of your questions about Medicare, Medicare Advantage, and the Prescription Drug plans. We can help you with questions about Supplemental Insurance, and Medicare B. We are patient, and we explain things in plain English.

There are several ways to contact us. You can call us toll free at 1-877-766-4448 to talk with one of our helpful professionals. You can also chat live with one of professionals through our Internet Chat link. We are here to make this easy for you. Contact us today.

Questions? Call Us at 1-877-766-4448

Our staff is ready to answer all your questions.

Medicare: Basics

Quick FAQ

Medicare Effective Dates: How do they work?There are two effective dates for the two types of qualified events. The first is the day you turn 65 years of age. This would be your effective date for Original Medicare part A and part B. The second effective date is for those who suffer from a qualifying disability.

The effective date for your Medicare benefits will be after your 24th month of receiving disability benefits. Once these dates have passed you may use your Medicare benefits and Medicare cards.


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Am I Eligible for Medicare?If you are age 65 then you are probably eligible for Medicare. If you have a qualifying disability then you may also qualify for Medicare. For either case, you must be a U.S. citizen or a permanent resident of more than 5 years to qualify for Medicare once you are age 65.

If you do have a qualifying disability or illness and have been disabled for more than 24 months then you should also qualify for Medicare. The enrollment process is usually automatic, but in some cases you must enroll yourself. If you want to qualify for Medicare C or Medicare D you must first be qualified for, and enrolled in Medicare part A and B.


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Medicare Part B: What does it Cover?Medicare B covers the outpatient type of services needed to manage a person’s health. This would include medical care needed to prevent illness, and to manage illness when the patient is not admitted to a medical facility, such as a hospital.

Medicare part B covers things like doctors visits, Durable Medical Equipment (DME,) mental health services, lab tests, etc. Medicare part B is paired with Medicare part A and is referred to as “Original Medicare.” The two plans work together to provide comprehensive medical coverage.

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What is Medicare Supplemental Insurance?Medicare Supplemental insurance is also called a Medigap insurance policy. It is a secondary insurance that is only offered to those people who have “Original Medicare” Medicare part A and B. Medicare Supplemental Insurance helps to cover medical expenses that Medicare part A and part B do not cover.

Those would include things like co-payments, deductibles and other out of pocket expenses. Medicare Supplemental Insurance DOES NOT work with:

  • Medicare C
  • Medicare D
  • Veterans’ Administrative Benefits (VA Benefits)
  • TRICARE
  • Private Insurance
Medicare Supplement Insurance is sold by private insurance companies and it is highly regulated by both State and Federal laws. Plans are Labeled as A, B C, D, F, G, K, L, M and N. Each letter represents a different type of plan. Each lettered plan is always identical regardless of who is selling it. So every Medicare Supplement Insurance plan G is identical to every other Medicare Supplement Insurance plan G, but they are different from other lettered plans such as K, L, and F.

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Things to look for would be cost between plans that are the same, all the plan G’s. look for differences between plan types. For example how does plan F differ from plan D. Some states offer Medicare Select programs that are like an HMO. You only go to doctors and hospitals that are within the network. Those states are Wisconsin, Massachusetts, and Minnesota.


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