If you're approaching the golden age of 65, it's time to think about Medicare. Cogswell Insurance Agency is here to guide you through the enrollment process and help you make informed decisions. Don't hesitate to call us at 406-761-5000 for more information.
For personalized consultation, reach out to us at 406-761-5000 or scroll down to use our online quote request form.
Turning 65 is more than just a milestone; it's also the age you become eligible for Medicare. This government-funded health insurance program can be your safety net for medical expenses as you age.
It's crucial to enroll in Medicare during the Initial Enrollment Period, which starts three months before you turn 65 and extends three months after your 65th birthday. Missing this window can result in penalties and delayed coverage.
Covers inpatient hospital stays, hospice care, and some home health care.
Covers certain doctors' services, outpatient care, medical supplies, and preventive services.
Offers prescription drug coverage and can be added to Original Medicare.
Known as Part C, Medicare Advantage plans are offered by private insurers like Cogswell Insurance Agency. These plans include coverage from Part A, Part B, and often Part D, along with additional benefits. Call us at 406-761-5000 to explore your options.
While Part A is usually premium-free if you or your spouse worked and paid Medicare taxes, Parts B and D do have premiums. To get a full understanding of the potential costs, don't hesitate to contact us at 406-761-5000.
A Medigap policy can help you cover out-of-pocket costs that Original Medicare doesn’t cover. This is particularly useful for avoiding unexpected medical bills.
Still feeling overwhelmed? Cogswell Insurance Agency can help you understand your Medicare options, costs, and additional coverages to suit your healthcare needs in Montana.
To get the ball rolling, you can fill out our online quote request form.