Medicare Advantage
Medicare Advantage plans are new health care options that are part of the Medicare program. Coverage may include Medicare Part D prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services.
The Right Plans for Your Needs.
We recognize that your needs and situation are unique. We spend the time to get to know you to make sure that you get coverage and support that fits your lifestyle.
Medicare Supplement
A Medicare Supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
Medicare Part D
Medicare Part D is the federal government's prescription drug program that covers both brand-name and generic prescription drugs at participating pharmacies in your area.
Individual Health Insurance
No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and protects you from very high expenses.
Dental Insurance
Proper dental care can be an important component of our well being. Dental coverage of some kind can help you ensure the health of your teeth and gums.
Life Insurance
Life insurance coverage can be relatively easy to comparison shop. It simply covers you in the event that you die before the end of the term for which you are covered.
Accident Insurance
Accident Insurance can be used not only to offset the costs associated with an accident such as ambulance transportation, emergency room visits, X-rays and rehabilitative therapies, but also for ordinary daily bills.
Critical Illness
If you are diagnosed with a covered illness like Cancer, Heart Attack, Stroke or Alzheimer’s disease, Critical Illness insurance typically pays a lump sum. Additionaly, some policies may pay a monthly cash benefit.
Vision Insurance
At its most basic level, vision insurance helps cover the cost of routine eye exams, contact lenses and glasses. Some vision plans also pay for corrective procedures such as laser eye surgery. Additionally, most plans include one pair of glasses or contacts a year.
ABOUT OTIS L. McQUEEN FINANCIAL SOLUTIONS
Your Trusted Insurance Professional:
Otis L. McQueen Financial Solutions is an independent insurance operation focusing on Health, Life Insurance, & Retirement Strategies. Otis works with the major insurance companies so he can offer his clients appropriate coverage for them. His clients are located all across the United States, giving him a great feel for the insurance landscape. He designs plans with a focus on low costs, and proper benefit structure, which he combines with personalized insurance advice aimed at helping his clients make better-informed decisions.
If you have a question, we have the answer
Check out our Medicare FAQ's:
I’m turning 65 this year and I plan to retire. When am I eligible to enroll into Medicare?
Assuming you have met the work-related eligibility requirements, you may begin enrollment into Medicare 90 days in advance of the month you turn 65.
Can my dependent spouse be on my Medicare plan?
Medicare does not have spousal or dependent coverage. Medicare is individual. If your spouse has reached age eligibility (65), then they can enroll in Medicare of their own accord 90 days in advance of the month they turn 65.
Can I keep my employer coverage?
Maybe. If the employer group has 20 eligible employees or more, and you’re going to continue to work, then yes it’s an option. But there are many things to consider.
Do I need to enroll in Part “A” and Part “B” of Medicare?
Part “A” is typically in place, and a paid-up benefit when you turn 65. Part “B” is not, unless you have enrolled in Social Security prior to age 65. If you have not filed to receive Social Security benefits, then you need to proactively enroll in Part “B” benefits and begin paying for them.
Can I just have “Original Medicare” A+B as my health insurance at retirement?
es. However, you will not have prescription coverage, and you will face unlimited exposure to those costs due to the gaps in Original Medicare.
Can I keep all my same doctors when I’m on Medicare?
You usually can. It’s important to be sure your doctor accepts Medicare. Some don’t.
Does Medicare cover me if I’m in a nursing home?
Yes, for up to 100 days, after a required three-day hospital stay.
Does Medicare have dental plans?
No. But some Advantage plans offer limited dental coverage.
I am entitled to retiree benefits. Does that mean I won’t need Medicare?
No, a retiree plan will typically wrap around Medicare primary benefits.
What is Part “D”?
Part “D” is the Prescription Drug plan Medicare introduced in 2006.
What happens if I miss my designated enrollment window into Medicare?
In addition to having a huge gap in coverage, you will likely face a penalty from Medicare. A Part “B” penalty can be 10% of your Part “B” premium for each 12-month period outside of Medicare, and up to 1% of the national average of a Part “D” plan for each month absent Part “D”.
What is a Part “C” plan?
Part “C” is another name for Medicare Advantage. Also named MA, MSA, or MA-PD (when prescriptions are included).
Where do I go to get signed up for Medicare?
Online at SSA.gov or in person at a local Social Security office.
What is creditable coverage?
This is a Medicare term that establishes previous coverage being at least as good as Medicare’s. Typically is in play for Part “D” to avoid penalty.
Should I have both a Medicare Advantage Plan and a Medicare Supplement Plan?
No.
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