By — Leland Moses
For many seniors, Medicare is a mystery, but it doesn’t need to be, a senior specialist said Oct. 20.
“I think there should be a mandatory class when you turn 64 on your options and Medicare plans,” said Celia Neyra to an audience in their early to mid-60s.
They gathered on SE to learn The ABCs of Medicare and the importance of being educated about Medicare.
“I like to put on these events so that people can be informed,” Neyra said. “It’s not about selling products to people. It’s about educating them so that they can make informed decisions based on their situations. If you don’t know, how will you make smart decisions about your future?”
The ABCs of Medicare are quite literal, Neyra said. Parts A, B, C and D make up the parts of Medicare: hospital coverage, medical coverage, Medicare Advantage plans and prescription drug coverage. Medicare is for people 65 and older and others with certain disabilities.
“Most people are automatically enrolled in traditional Medicare, which includes Parts A and B,” she said. “Part A helps pay for hospital visits, and most people receive it free. Part B has a monthly premium and helps cover doctor visits and outpatient care. While Parts A and B cover some of your healthcare needs, they do not cover everything, which is why additional Medicare options are available.”
The audience expressed concern when Neyra brought up penalties. She told stories about her clients and their obstacles with other agents who misguided them, resulting in paying excessive fees.
“Ask people for their credentials!” she said. “I walk in the door with my licenses and credentials so that you know I know what I’m talking about. Everyone has different situations that may not work for the next person.”
