Medicare Made Easy Special Presentation for Employees Nearing age 65

Reaching age 65 is an important milestone…you’re now eligible to enroll in Medicare! (whether you decide to retire or continue working)

This brings up lots of questions… What is Medicare all about? What will it cover? How do I enroll? How much does it cost? Do I need to take it if I work and have health coverage now? Where do I start?

Navigating the Medicare maze can be confusing! The terms are complicated … and the choices seem endless.

Now you have someone to guide you through it.

As part of your Health Advocate benefit, your Personal Health Advocate can help you understand the ins and outs of Medicare. Clearly. Simply.

How We Helped Trent Trent was soon to turn 65, and planned to postpone retirement for a few years. He wanted to know if he should sign up for Medicare coverage or stay with his employer’s health plan, and about the next steps.

Trent’s Personal Health Advocate: Researched/explained the Medicare options, costs, and how Medicare compared to his current health plan Confirmed the medical and prescription services that would be covered under his employer's plan versus Medicare plans This information helped him decide to remain with his current plan and postpone Medicare until he retired Informed him about enrollment deadlines after retiring or leaving his health plan Trent was soon to turn 65, and planned to postpone retirement for a few years. He needed to know if he should sign up for Medicare coverage or stay with his employer’s health plan, and about the next steps.

We Can Help You

We’ll Help You… Know Your Options We’ll explain the Medicare “parts” Part A – “Original” Medicare (covers hospital) Part B – (covers doctor visits, outpatient services such as lab studies) Part C – known as Medicare Advantage Plans (combines both Part A and B) – and how it compares to Original Medicare Part D – prescription drug plans Plus, we’ll research Medigap plans which cover what Original Medicare does not pay

We’ll Help You… Understand the Costs We’ll review the costs Medicare is NOT free! Monthly premiums, copays and annual deductibles and coinsurance costs may apply

Be Informed to Make the Right Choices We’ll Help You… Be Informed to Make the Right Choices Research and compare plans to see what may work best for you Check providers - We'll check if your primary doctor, specialty doctors and preferred hospitals are included Assist with medication review – We can see if generic and brands are included in the pharmacy formulary and benefit Determine coverage out of your home service area if you travel a lot

Compare Medicare to Your Employer’s Plan We’ll Help You… Compare Medicare to Your Employer’s Plan We’ll help you do comparisons If you continue to work after age 65, we’ll do a side-by-side comparison of Medicare with your employer’s or spouse’s health benefits and if they may coordinate We'll help you understand the next steps if you have an HSA (Health Savings Account) and become Medicare-eligible

We’ll Help You… Know When to Sign up We’ll help you with enrollment questions Alert you to enrollment deadlines to avoid costly late enrollment penalties

We Help in Many Other Ways

Your Personal Health Advocate Can Help… Find providers in your health plan’s network who participate with Medicare Schedule appointments, including with specialists Facilitate transportation to medical appointments Identify lower-cost generic medications, where possible Help resolve billing and claims issues ...and much more!

Has this ever happened to you? Maybe one day you receive a bill for a procedure that you thought Medicare covered. Instead of stressing, call us so we can sort out the bills and uncover any errors. …and put cash back in your pocket.

Has this ever happened to you? Maybe one day you fall, requiring rehab and you’re worried if Medicare will cover it. We can research Medicare coverage requirements for skilled nursing, in-home care and medical supplies like a wheelchair, and identify other resources to help with expenses. …so you can focus on recovering!

You can access all these benefits with just one call to one toll-free number— and you can call anytime!

Call Health Advocate… We can help you “I need to know about signing up for Medicare.” “I can help walk you through it.” “I don’t know which treatment is right for me.” “I’ll help you understand your options.” “I’m worried about caring for my aging husband.” “I’ll help you explore your concerns and resources.” “I’m confused by this medical bill.” “I’ll get it sorted out for you.” “I don’t know how much this procedure costs.” "I can research an estimate for you.”

Contact us today to get started: 866.695.8622 info@HealthAdvocate.com