Medicare

Serving San Diego County since 1996. By keeping clients’ best interests first, we have flourished and are proud to now serve all of Southern California.

What is Medicare?

Medicare is a federal health insurance program for people 65 years old and older, and for some younger people with disabilities or End Stage Renal Disease. The Initial Enrollment Period is from 3 months before you turn 65 until 3 months after. A late enrollment penalty may apply for those who join late.

Frequently Asked Questions

No, your monthly premium price will be the same; possibly even higher. We may be able to recommend a health insurance plan that fits your needs better and saves you money. We will also gladly review your coverage with you every year to see if there are any changes you would like to make.

Lynway Insurance Services respects your right to choose a Medicare plan that works best for YOU. Our licensed, independent insurance agents are very familiar with what each policy does and does not cover. We can help you review all of your options for coverage and then help you narrow it down to the one that best fits your needs and your budget.

When you first enroll in Medicare, you are automatically placed in the Original Medicare program, which is Part A and/or Part B. There is generally no monthly premium for Part A, and most people are eligible for it, as long as you or your spouse paid Medicare taxes while working. (Some other qualifications include being 65 years of age or older, and a US citizen or permanent legal resident. Those under 65 with disabilities or End Stage Renal Disease may also be eligible.) There is, however, a monthly premium for Part B.

It’s important to know that you have a choice. You can choose to stay in the Original Medicare program, or you can choose to join a Medicare Advantage Plan, like a PPO or HMO. You may also have coverage through an employer, union, TRICARE, the VA, or Medicaid. You can also choose to have prescription drug coverage.

If you are eligible for Part A, you are eligible for Part B. If you are not eligible for Part A, you may still qualify for Part B.

Medicare Advantage

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Medicare Suppliment

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