Medicare
Make Sense of Medicare
Understand your choices with a NO COST Medicare 101 webinar
Medicare can be puzzling. Most people don’t know exactly what Medicare covers and how much it costs. By attending a no cost, no obligation Medicare 101 webinar, you’ll have the tools you need to make the most informed decision about your healthcare.
We’ll help you understand:
• What original Medicare does and doesn’t cover
• The different parts of Medicare
• Options for prescription drug coverage
• Deadlines for enrolling
Call (716) 276-0880 to reserve your space or to schedule a one on one appointment with a licensed sales agent. For persons with special needs accommodations, please call 716-276-0880. TTY Users: 1-800-421-1220 (711)
Not connected with or endorsed by the U.S. government or the federal Medicare program.
Group & Individual Health Insurance
We offer group and individual health insurance, in addition to Medicare, and are contracted with all the major carriers. Here to help at no cost to you. Let us save your hours of research and help you find the right coverage.
Maria Schenk
Benefits Consultant
Sheridan Benefits, LLC
7 Limestone Drive
Williamsville, NY 14221
Office: 716-580-3773 ext. 210
Fax: 716-580-3778
mschenk@sheridanbenefits.com
Luann Blair
Licensed Sales Agent
Office: (716) 580-3773
Fax: (716) 580-3778
Mobile: (716) 374-5353
lblair@sheridanbenefits.com
Barry H. Kantrowitz
Director, Individual Products and Carrier Relations
Office: (716) 580-3773
Fax: (716) 580-3778
Toll Free: (866) 308-0427
bk@sheridanbenefits.com
Sign Up Today!
Webinar Schedule
November
Monday November 9, 6:0opm
Wednesday November 11, 6:00pm
Monday November 16, 6:0opm
Wednesday November 18, 6:00pm
Monday November 23, 6:0opm
Monday November 30, 6:0opm
December
Wednesday December 2, 6:00pm
Monday December 7, 6:0opm
Wednesday December 9, 6:00pm
Monday December 14, 6:0opm
Frequently Asked Questions
1. Do I have to enroll in Medicare, I’m still working?
If you are actively working and receiving benefits from your employer and there are more then 20 employees you do not need to enroll in part B until you retire.
2. How much will Medicare cost me?
Since 2007, a beneficiary’s Part B monthly premium is based on his or her income. These income-related monthly adjustment amounts affect roughly 7 percent of people with Medicare Part B. The 2021 Part B total premiums for high-income beneficiaries are shown in the following table:
|
Beneficiaries who file |
Beneficiaries who file |
Income-related monthly adjustment amount |
Total monthly premium amount |
|
individual tax returns with income: |
joint tax returns with income: |
||
|
Less than or equal to $88,000 |
Less than or equal to $176,000 |
$0.00 |
$148.50 |
|
Greater than $88,000 and less than or equal to $111,000 |
Greater than $176,000 and less than or equal to $222,000 |
$59.40 |
$207.90 |
|
Greater than $111,000 and less than or equal to $138,000 |
Greater than $222,000 and less than or equal to $276,000 |
$148.50 |
$297.00 |
|
Greater than $138,000 and less than or equal to $165,000 |
Greater than $276,000 and less than or equal to $330,000 |
$237.60 |
$386.10 |
|
Greater than $165,000 and less than $500,000 |
Greater than $330,000 and less than $750,000 |
$326.70 |
$475.20 |
|
Greater than or equal to $500,000 |
Greater than or equal to $750,000 |
$356.40 |
$504.90 |
3. What does Medicare cover?
Under part A Medicare covers inpatient care, home health care & hospice care. Medicare part B covers outpatient services, doctors, labs, x-rays, etc.
4. Can you explain the coverage gap?
There are different phased in the prescription program. Phase one, is where you pay the plan deductible is there is one, Phase two, you pay the plan copays until your total drug cost reached the initial coverage limit. Phase three- the coverage gap is where is you pay 25% of all medication until you reach the out of pocket maximum. Phase four is catastrophic coverage where you will pay no more than 5% for the copay.
5. Why do I have to pay for part B if I’m enrolling in another plan?
By paying your part b premium the health insurance you choice will get a monthly subsidy to help off set the cost of your plans premiums and copays.
Personalized Compliance Expertise & Enrollment Assistance
If you are unsure if a Medicare program is right for your company, or you have questions about whether you personally qualify for these benefits, please give us a call at (716) 580-3773 to reach our office. Our experienced consultants will help you navigate the ins and outs of applying for Medicare. We are here for you every step of the process.
Understanding Your Medicare Choices
Helping you find the best plan to fit your health care needs
Do you currently have Medicare but are unsure if you are on the right plan that meets your individual medical needs?
As an independently owned insurance agency, Sheridan Benefits works for you — our client — and not insurance providers. This allows us to provide you with the most current Medicare plans from major carriers that fit your individual medical needs. (link to individual benefits page) We are here to help.
Let us show you how!
As your healthcare resource, we can offer you Medicare plans from various private insurance companies. So you’re provided a plan that is the best fit for you. We can help you get answers to your Medicare questions like:
- What is Original Medicare and are there other health care choices?
- What do Medicare parts A, B, C, D mean?
- What are the differences between Medicare and other Health Care Coverages?
- Is Original Medicare enough health coverage for me?
- Are my prescriptions covered?
- How much will it cost?
- Do I have a deadline to enroll?
Personalized Compliance Expertise & Enrollment Assistance
Testimonials
Buffalo Office
7 Limestone Dr.
Buffalo, NY 14221
Hours
Monday - Friday
8:00 am - 5:00 pm
