Your Local and Honest Medicare Expert in Georgia!
MEDICARE PLANS IN GEORGIA
I offer a variety of Medicare coverage options. I am here to help explain your options and get you covered!
Becoming eligible for Medicare can be daunting. But don’t worry, I'm here to help you understand Medicare in minutes.
-Sami Aragon
Your Local and Honest Medicare Expert in Georgia!
MEDICARE PLANS IN GEORGIA
I offer a variety of Medicare coverage options. I am here to help explain your options and get you covered!
Becoming eligible for Medicare can be daunting. But don’t worry, I'm here to help you understand Medicare in minutes.
-Sami Aragon
Medicare Basics
My goal is to provide helpful information and honest advice for people turning 65 or retiring and trying to figure out Medicare for the first time. I am here to help you wade through your options and provide answers to your questions so you can make an educated decision about your Medicare coverage.
Medicare is the Federal health benefits program for US citizens and people living in the US legally as permanent residents that are:
Age 65 or older
Under age 65 with certain disabilities
People with End Stage Renal Disease
Have questions?
Read more below or call/text me now at
404-566-1608
You can also Click Below to request a FREE 15-minute telephone appointment with ME - your local
agent Sami Aragon.
Medicare Basics
My goal is to provide helpful information and honest advice for people turning 65 or retiring and trying to figure out Medicare for the first time. I am here to help you wade through your options and provide answers to your questions so you can make an educated decision about your Medicare coverage.
Medicare is the Federal health benefits program for US citizens and people living in the US legally as permanent residents that are:
Age 65 or older
Under age 65 with certain disabilities
People with End Stage Renal Disease
Have questions?
Read more below or call/text me now at
You can also Click Below to request a FREE 15-minute telephone appointment with
ME - your local agent Sami Aragon.
First Steps to Consider When You Turn 65 or Retire
Before you sign up for Medicare you need to consider several things.
Are you currently on an individual/family health plan prior to turning 65, such as a Marketplace ACA plan?
If so, your initial decision should be easy. You will need to sign up for both Medicare Parts A and B when you first become eligible or face a penalty if you sign up later.
Do you currently have a group health plan through your employer?
If so and you plan to remain on your group health plan you may want to delay Medicare. There are several things to consider first, give us a call and we will go over your options!
Are you retiring
soon?
If you are already enrolled in Medicare Part A you can enroll for Part B by completing a form that will need to be partially completed by you and then signed by your Employer. That way you will not be penalized for signing up late for Medicare Part B.
Are you already receiving Social Security benefits?
If so, you will automatically be signed up for Parts A and B effective the first day of the month you turn 65.
First Steps to Consider When You Turn 65 or Retire
Before you sign up for Medicare you need to consider several things.
Are you currently on an individual/family health plan prior to turning 65, such as a Marketplace ACA plan?
If so, your initial decision should be easy. You will need to sign up for both Medicare Parts A and B when you first become eligible or face a penalty if you sign up later.
Do you currently have a group health plan through your employer?
If so and you plan to remain on your group health plan you may want to delay Medicare. There are several things to consider first, give us a call and we will go over your options!
Are you retiring
soon?
If you are already enrolled in Medicare Part A you can enroll for Part B by completing a form that will need to be partially completed by you and then signed by your Employer. That way you will not be penalized for signing up late for Medicare Part B.
Are you already receiving Social Security benefits?
If so, you will automatically be signed up for Parts A and B effective the first day of the month you turn 65.
Have questions? Call/Text me now at 404-566-1608 or
Click below to request a free 15-minute telephone/video appointment
with ME - your local agent Sami Aragon.
You can contact me with any questions about your Medicare situation.
Have questions?
Call/Text me now
at 404-566-1608 or
Click below to request a free 15-minute telephone/video appointment
with ME - your local agent
Sami Aragon.
You can contact me with any questions about your Medicare situation.
You have options
I believe in educating my clients on Medicare Options
Most Insurance Agents just want to tell you what you need so that you buy it. I want to educate and empower you so that you understand and make these decisions confidently. This approach leads to a more positive experience, allowing you more time to focus on things that matter most.
Support every step of the way
Educate, Evaluate, Enroll, and Review
Whether you are brand new to Medicare or a seasoned Medicare consumer, you will benefit from the process I take you through. I believe each one of my clients deserve my time and attention to determine the best Medicare plan for their individual needs. And my services all come at a $0 cost to you.
You have options
I believe in educating my clients on Medicare Options
Most Insurance Agents just want to tell you what you need so that you buy it. I want to educate and empower you so that you understand and make these decisions confidently. This approach leads to a more positive experience, allowing you more time to focus on things that matter most.
Support every step of the way
Educate, Evaluate, Enroll, and Review
Whether you are brand new to Medicare or a seasoned Medicare consumer, you will benefit from the process I take you through. I believe each one of my clients deserve my time and attention to determine the best Medicare plan for their individual needs.
My services all come at a $0 cost to you.
Medicare Choices
We will help answer your questions and help you choose the
right coverage for your needs.
Medigap Plans (Medicare Supplement) vs Medicare Advantage Plans
What is the difference between a Medicare Supplement plan
and a Medicare Advantage plan?
A Medicare Supplement plan, also called a Medigap plan, has a higher premium than a Medicare Advantage plan but a much lower out of pocket maximum.
A Medicare Supplement plan does not have a restrictive network because you can use any doctor or facility that accepts Medicare. A Medicare Advantage Plan has a more restrictive network because the Doctors and facilities must also be in the plan network.
A Medicare Advantage plan usually provides additional coverage that you do not get from Original Medicare and a Medigap plan, such as dental, vision, and hearing. You would purchase either a Medigap plan or an Advantage plan, but never both!
Medigap Plans (Medicare Supplement) vs Medicare Advantage Plans
A Medicare Supplement plan, also called a Medigap plan, has a higher premium than a Medicare Advantage plan but a much lower out of pocket maximum.
A Medicare Supplement plan does not have a restrictive network because you can use any doctor or facility that accepts Medicare. A Medicare Advantage Plan has a more restrictive network because the Doctors and facilities must also be in the plan network.
A Medicare Advantage plan usually provides additional coverage that you do not get from Original Medicare and a Medigap plan, such as dental, vision, and hearing.You would purchase either a Medigap plan or an Advantage plan, but never both!
Medicare Advantage Plans: “Part C” or “MA Plans”
You are required to sign up for Medicare Part A and Part B in order to purchase one of these types of plans. These plans are offered by private companies approved by Medicare.
These plans are required to cover all the services that Original Medicare covers. They usually cover additional services as well (dental, vision, hearing, etc..).
They are required to have an out of pocket maximum limit (usually around $5,000-$6,000).
The cost-sharing on these plans is equal to original Medicare.
There are different types of Medicare Advantage Plans. Many plans offer Part D drug coverage. These are called MAPD plans.
Part D Drug Plans
These plans all have a monthly Premium that in Georgia is typically between $17 and $70.
Most plans have a drug deductible between $100-$415 in Georgia.
Part D plans have different formularies (lists) of covered drugs.
There is an annual enrollment period during which you can change plans.
You will be penalized if you do not sign up when you first become eligible.
Sami Aragon
Licensed Independent Health Agent Specializing in Medicare Plans for Seniors
Medicare Choices
We will help answer your questions and help you choose the right coverage
for your needs.
Medigap Plans (Medicare Supplement) vs Medicare Advantage Plans
What is the difference between a Medicare Supplement plan
and a Medicare Advantage plan?
A Medicare Supplement plan, also called a Medigap plan, has a higher premium than a Medicare Advantage plan but a much lower out of pocket maximum.
A Medicare Supplement plan does not have a restrictive network because you can use any doctor or facility that accepts Medicare. A Medicare Advantage Plan has a more restrictive network because the Doctors and facilities must also be in the plan network.
A Medicare Advantage plan usually provides additional coverage that you do not get from Original Medicare and a Medigap plan, such as dental, vision, and hearing. You would purchase either a Medigap plan or an Advantage plan, but never both!
Medigap Plans (Medicare Supplement) vs Medicare Advantage Plans
A Medicare Supplement plan, also called a Medigap plan, has a higher premium than a Medicare Advantage plan but a much lower out of pocket maximum.
A Medicare Supplement plan does not have a restrictive network because you can use any doctor or facility that accepts Medicare. A Medicare Advantage Plan has a more restrictive network because the Doctors and facilities must also be in the plan network.
A Medicare Advantage plan usually provides additional coverage that you do not get from Original Medicare and a Medigap plan, such as dental, vision, and hearing.You would purchase either a Medigap plan or an Advantage plan, but never both!
Medicare Advantage Plans: “Part C” or “MA Plans”
You are required to sign up for Medicare Part A and Part B in order to purchase one of these types of plans. These plans are offered by private companies approved by Medicare.
These plans are required to cover all the services that Original Medicare covers. They usually cover additional services as well (dental, vision, hearing, etc..).
They are required to have an out of pocket maximum limit (usually around $5,000-$6,000).
The cost-sharing on these plans is equal to original Medicare.
There are different types of Medicare Advantage Plans. Many plans offer Part D drug coverage. These are called MAPD plans.
Part D Drug Plans
These plans all have a monthly Premium that in Georgia is typically between $17 and $70.
Most plans have a drug deductible between $100-$415 in Georgia.
Part D plans have different formularies (lists) of covered drugs.
There is an annual enrollment period during which you can change plans.
You will be penalized if you do not sign up when you first become eligible.
Sami Aragon
Licensed Independent Health Agent
Specializing in Medicare Plans for Seniors
A few of the insurance carrier companies I represent:
A few of the insurance carrier companies I represent:
About Me
My name is Sami Aragon, and I am a bilingual, licensed insurance agent in the state of Georgia. I also hold a Neuromuscular Therapy license since 2014, which has led me to become a versatile professional, continuously combining financial expertise with a passion for holistic well-being.
This dual expertise positions me as a well-rounded professional who not only secures financial futures, but also propels me to contribute to the physical and emotional wellness of my community.
I am proud to be part of a family business where, alongside my licensed parents, we have successfully collaborated for several years. Their licensure extends across multiple states, enhancing our ability to provide expertise and services to a broader clientele, bringing our combined expertise to GoodPoint Brokers of Georgia.
I am pleased to be able to provide ongoing excellent and personalized customer service to all who need it.
About Me
My name is Sami Aragon, and I am a bilingual, licensed insurance agent in the state of Georgia. I also hold a Neuromuscular Therapy license since 2014, which has led me to become a versatile professional, continuously combining financial expertise with a passion for holistic well-being.
This dual expertise positions me as a well-rounded professional who not only secures financial futures, but also propels me to contribute to the physical and emotional wellness of my community.
I am proud to be part of a family business where, alongside my licensed parents, we have successfully collaborated for several years. Their licensure extends across multiple states, enhancing our ability to provide expertise and services to a broader clientele, bringing our combined expertise to GoodPoint Brokers of Georgia.
I am pleased to be able to provide ongoing excellent and personalized customer service
to all who need it.
Frequently Asked Questions
Do I have to sign up for Medicare if I am still working and covered by my employer group health plan?
If you are still working and covered by your employer group health plan with 20 or more employees, you are able to delay Medicare enrollment without a penalty for late enrollment. Most people will go ahead and enroll in Part A, which is zero premium if you worked enough time and paid Medicare taxes. The only time you will not want to get Part A is if you have an HSA. Medicare plans don't have a high enough deductible for you to quality for having an HSA account.
Find out more info here: https://www.medicare.gov/basics/get-started-with-medicare/medicare-basics/working-past-65.
Many people continue to work after 65 but still go on Medicare insurance because it may be less expensive and have more benefits.
Contact me to help you compare Medicare costs and benefits to your employer plan.
How do I know if I should choose a Medicare Supplement Plan or Medicare Advantage Plan?
This is a personal decision and everyone is different. We are both on Medicare plans and each of us chose a different option. Melissa hates risk and would rather pay more in premiums to lower her health care risk. Steve is the opposite. He didn't want to pay an additional premium and also wanted the extra benefits Medicare Advantage Plans provide. He has been saving all the money he would have paid for a Medicare Supplement Premium. We are both very happy with our decisions! It just goes to show there is a plan for everyone.
How much do I have to pay for Medicare?
In 2023, the standard Medicare Part B premium amount is $164.90/month. If you didn't work long enough and pay Medicare taxes, you could also be required to pay a Part A premium (but most people don't). The Part B premium can be adjusted based on income. Right now they are looking at the 2021 tax return to determine if you will pay the standard amount or if they will charge you IRMAA (Income Related Monthly Adjustment Amount).
Find out more info here: https://www.medicare.gov/your-medicare-costs/part-b-costs
How do I get money back in my Social Security check?
You may have seen a TV commercial or ad regarding getting money back in your Social Security check. Plans vary by area, but this may be an option in your area. The ads that talk about getting all of the Part B premium back in your check are referring to Medicare Savings Programs available to people with low income.
Find out more here: https://www.medicare.gov/your-medicare-costs/get-help-paying-costs/medicare-savings-programs
There are also Medicare Advantage Plans that are not for people with low income that help pay a portion of your Medicare Part B premium. Some of the plans are geared toward people who only need medical benefits and not prescription drug benefits. This may be because the beneficiary has VA drug coverage or other credible drug coverage and prefers to use that instead of Medicare Part D drug coverage. There are also a few other plans that reduce the Part B premium. Usually there would be higher copays or fewer extra benefits. Contact me to find out more and check plan options in your area.
Why should I use an independent agent?
As an independent agent, I don't work for just one insurance company. I represent multiple companies including United HealthCare, Aetna, Humana, Anthem Blue Cross Blue Shield, Clover, Cigna, Wellcare, Omaha, and more. Different companies and plans could be a better fit for different people.
I am able to help you by comparing plans available in your area that meet your needs. I will check networks to find out which plans your doctors accept. I will also check drug costs to find the best Part D Drug plan for you. There is never any pressure. I am here to help answer your questions you have now and in the future. I am also able to help you get enrolled and help with plan changes in the future. Also, there is never any cost to use for my services and I take your privacy very seriously. Your info is never shared.
We do not offer every plan in your area. Any information we provide is limited to those plans we offer in your area.
Please contact medicare.gov or 1-800-MEDICARE to get information on all of your options.
© 2024 GoodPoint Brokers of Georgia
All Rights Reserved
We do not offer every plan in your area. Any information we provide is limited to those plans we offer in your area.
Please contact medicare.gov or 1-800-MEDICARE to get information on all of your options.
© 2024 GoodPoint Brokers of Georgia
All Rights Reserved