Jane Ahrens, Medicare Insurance Broker
Jane Ahrens
Ahrens Benefits Co
Medicare Broker Licensed in NY, AL, AZ, CO, FL, GA, IN, KY, MI, NC, NH, OH, PA, SC, TN, TX, VA and WA
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Serving
North Gates, NY
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About Me
At Ahrens Senior Benefits, we believe that caring for others is more than just a job - it's our passion! With our personalized care and attention, you'll enjoy peace of mind knowing that you and your loved ones are in good hands. We will explain all of your Medicare options and help you determine which type of plan is best for your needs. Experience the difference of working with a team that believes in caring for others as we do our own - in person. At your request, we will also do phone or Zoom appointments.
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Q&A with Jane Ahrens
What’s the most important question I should be asking about Medicare that I probably haven’t thought of yet?
Answer: What is the difference between a Medicare Supplement (Medigap) policy and a Medicare Advantage Plan? Will I always be able to purchase either?
What’s the trade-off between a Medicare Advantage PPO and HMO when it comes to flexibility?
Answer: In general, with an HMO you are restricted to seeing doctors in that plan's network. If you go outside of the network, except in an emergency, you will not be covered. With a PPO, there is both in-network and out-of-network coverage, although you usually pay more for out-of-network services.
If I need long-term care in the future, how does Medicare fit into that plan, and what should I be doing now to prepare?
Answer: Medicare does not provide long term care. The only care provided by Medicare in a Skilled Nursing Facility is for rehab ordered by a doctor after a surgery. That coverage ends at 100 days and often ends sooner if the patient stops progressing. For traditional nursing home custodial coverage, a long-term-care policy would need to be purchased.
What happens if I am already retired and collecting Social Security when I turn 65?
Answer: You will automatically be enrolled in Parts A and B and receive your Medicare card during the fourth month preceding your birthday month. It will still be effective on the first day of month of your birthday month unless you were born on the 1st of a month. In that case, your coverage begins on the 1st day of the previous month.