Sheila Dow, Medicare Insurance Agent
Sheila Dow
American Senior Benefits
Medicare Agent Licensed in CT
Contact Details
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Location
New Britain, CT
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Phone
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LinkedIn
About Me
Home Address New Britain
I am your Local Medicare Agent. Currently, I live in New Britain; previously we lived Plainville for 20 years. I am personally familiar with many of the local Medical Providers and facilities. I am contracted with Anthem BC/BS , Aetna, Connecticare, CarePartners, UnitedHealthCare, WellCare, Humana, Cigna Medicare Advantage Plans. I look forward to helping you understand the Medicare process and can assist you in finding the Plan that will fit your needs.
Q&A with Sheila Dow
Answer: If you are covered by an employer plan, then you have credible coverage. You are not required to sign up for Medicare, but you can. If you think that Medicare would be less expensive and have better coverage than your employer plan.
Answer: When your spouse passes away, you will receive the higher amount of your two SS's. How it actually works is, you continuing receiving your Ss and then receive an additional amount to bring your total up to equal his total SS .
Answer:
You would have to complete an IRMAA forgiveness form to show why your Current Income is lower than your working Income.
Usually the life changing event is work stoppage. You report your estimated income and submit the form to Social Security for approval
Answer: SSDi continues until your Full Retirement Age. At that time you will convert to standard Social Security. Your Medicare will remain intact.
Answer: Most Medicare Advantage Plans include coverage for Dental Cleanings , with in Network Dentists. Out of Network Dentists are sometimes covered at the Network rates, and you would pay the difference.
Answer: First you will need to contact the Social Security office to enroll in Medicare Part A & B. You can do this online or by Telephone
Answer: Medicare decides what the Annual Deductible will each year. Historically the deductible has increased slightly each year between $10-20. Everyone is subject to the same Deductible.
Answer: A change in your health condition will not affect your current Medicare Plan. When the Annual Enrollment Period AEP begins, Oct 15 through Dec 7th you will want to review your upcoming coverage and decide if it is appropriate for the future or if you want to make a change. This will be the Annual time when you can make a change
Answer: Talk to your Agent about the Medicare Savings Plan. Review your Income levels and see if you might qualify for Extra Help
Answer:
Keep your Medicare ID safe and don't share it with anyone you don't know.
Always check and review your Benefit payment statements to confirm the charges are pertaining to procedures you have had
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If the caller asks for your Medicare ID NEVER give this Information over the phone to anyone you don't know
Answer: After you have been collecting SSDI for 24 months, you will be eligible for Medicare due to the Disability. If you turn 65 at anytime during the 24 month period, you will be eligible for Medicare based on your age (65) and will not have to wait for the 24 months