For many people approaching age 65, Medicare may be the first time in decades that they have had to make health insurance decisions on their own. NYC Business Group helps new Medicare beneficiaries understand how Medicare works, compare available health plan options, check doctors and prescriptions, explore programs that may help reduce health insurance costs, and complete the enrollment process. Just as importantly, we remain available throughout the year and during the Annual Enrollment Period as plans and individual needs change.
The Challenge
Many people entering Medicare have received health insurance through an employer for much of their working lives. After decades of having coverage provided through work, suddenly being responsible for understanding Medicare and choosing among available options can feel overwhelming.
There is more to consider than simply selecting a plan. A new Medicare beneficiary needs to understand the basics of Medicare, the different health plan options available, whether their doctors participate, how their prescriptions are covered, and what their costs may be under the plans they are considering.
There may also be New York State and federal programs available that can help eligible Medicare beneficiaries reduce their health insurance costs.
For someone encountering all of this for the first time, knowing where to begin can be one of the hardest parts.
How We Helped
We start with what we call Medicare 101.
Before discussing individual plans, we explain how Medicare works and help the client understand the basic choices available to them.
From there, we review the health plan options and look at the details that matter to the individual. We check the client's doctors and prescriptions to help determine whether they are included in the plans being considered and what the associated costs may be.
We also discuss New York State and federal programs that may be available to help eligible Medicare beneficiaries save money on health insurance.
Once the client understands the options and has decided how to proceed, we help complete the paperwork necessary for enrollment.
The Result
The goal is for a new Medicare beneficiary to move from being unfamiliar with Medicare to understanding the options available and making an informed coverage decision based on their own doctors, prescriptions, costs, and needs.
But our assistance doesn't end when the enrollment paperwork is completed.
NYC Business Group remains available to answer questions throughout the year and to help clients review their coverage again during the Annual Enrollment Period, when plan benefits, costs, availability, and other details may change.
For someone who may have spent decades receiving health insurance through an employer, that means having someone available to help not only with the initial transition to Medicare, but with the decisions that come afterward.
“Choosing a Medicare plan isn't just about the premium — your doctors, prescriptions and available benefits all matter.”
Insurance support goes beyond the policy
Choosing Medicare coverage isn't necessarily a one-time decision.
Plans can change from year to year, and a plan that works well for someone today may need to be reviewed again as benefits, costs, doctors, prescriptions, or personal circumstances change.
That's why NYC Business Group approaches Medicare as an ongoing relationship rather than simply an enrollment transaction.
We help clients understand Medicare, review the health plan choices available to them, consider their doctors and prescriptions, explore programs that may help with costs, complete enrollment paperwork, and remain available when questions arise later.