Make Sense of Medicare
If you are turning 65 or recently retired our agents can guide you through the Medicare process, explaining the different parts of Medicare (A, B, C & D). Walk you through the timeliness of when and how to enroll.. We will explain the difference between Medicare Advantage plans and Medigap plans. We will also explain the prescription coverage.
Our agents are appointed with multiple carriers both local and national carriers, allowing us to bring all your options to you in one convenient meeting. Our agents will ensure your providers participate and that your medications are covered by the plan you choose. Our dedicated team will be there for throughout the year to answer any questions or concerns that may arise.
Call to schedule your no cost, no obligation consultation with a licensed sales agent at (716)-276-0880.
We can meet in our office, your home or a convenient community location.
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.
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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 below.
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?