Bo Keizer Insurance Service

Enrolling clients: If a potential member is not currently enrolled in Medicare Part A and/or Part B, our experts are happy to walk you through the process step-by-step, on the phone or in person. Review of alternative options: If you have a new prescription, or your health status has changed, we can easily review new Medicare options with you and answer any questions you may have regarding your current plan.

Our licensed insurance agents at BK Insurance Services truly understands how difficult it can be to choose a Medicare plan that meets all of your needs, especially when you are already coping with medical issues. We are a team of Medicare licensed insurance agents who have all the information you need to make an informed decision about your healthcare.

Some people get Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) automatically and other people have to sign up for it. In most cases, it depends on whether you're getting Social Security benefits.

An individual who is receiving monthly Social Security or RRB benefits at least 4 months prior to turning age 65 does not need to file a separate application to become entitled to premium-free Part A. In this case, the individual will get Part A automatically at age 65.An individual who is not receiving monthly Social Security or RRB benefits must file an application for Medicare by contacting the Social Security Administration.

If you are eligible for Medicare and concerned about paying for the costs that Medicare does not cover, like copayments, coinsurance, and deductibles, a Medicare Supplement Insurance Plan (or Medigap) policy may help. A Medicare Supplement Insurance Plan (Medigap) policy, sold by private companies, can help pay some of the health care costs that Original Medicare does not cover, like copayments, coinsurance, and deductibles.

If so, a Medicare Advantage Plan can help. A Medicare Advantage Plan must cover all of the services that Original Medicare covers. However, if you are in a Medicare Advantage Plan, Original Medicare will still cover the cost for hospice care, some new Medicare benefits, and some costs for clinical research studies.