Why Choose Thrive?
We’re the approachable Medicare experts.
Our team, led by agent Scott Nelson, has helped over 1,000 newly eligible beneficiaries choose the best Medicare coverage over the past 10 years.
We know choosing your Medicare coverage is often confusing and complicated. We also know that it doesn’t have to be.
We know how hard it can be to get a straight answer about your various options, which include hospital and medical insurance (Parts A and B) Medicare Advantage (Part C), Medicare Part D, and Medicare Supplement or Medigap. With just a few details and less than an hour of your time, we’ll create personalized and tailored recommendations that best support your health, your budget, and your future goals.
FREQUENTLY ASKED QUESTIONS
Here's to answer some of your most frequently asked questions:
If you can say “yes” to any of the following questions, you may be eligible to receive Medicare benefits:
You’re a U.S. citizen and are at least 65 years old.
You’re not 65 but receive disability benefits.
You have Lou Gehrig’s disease (amyotrophic lateral sclerosis).
You have end-stage renal disease
Medicare is available in four main “parts,” each of which addresses a different component of your healthcare coverage:
Part A covers inpatient care at hospitals and nursing homes.
Part B covers non-emergency medical services and supplies.
Medicare Part A and Part B together are often called “Original Medicare.”
Medicare Part C is an alternative to Original Medicare:
Typically called Medicare Advantage
Often includes coverage for prescription drugs
Plans are offered through private insurers
Often includes additional coverage (dental, vision)
Medicare Part D provides coverage for prescription drugs.
There are additional types of Medicare coverage available, including Medicare Supplement or Medigap, and you may even be eligible for Medicaid as well. We’ll go over your options during your free consultation.
It’s important to understand how any current employer coverage you have might work with Medicare.
If you have questions about your current insurance, we recommend talking to your benefits administrator, insurer, or plan provider. Someone in your human resources department should be able to point you towards the right source of information.
Thrive is here to help you compare the costs and benefits of any work healthcare plans against what may be available through Medicare. We provide unbiased information on dozens of potential options — and help you narrow it down to avoid analysis paralysis.
If you have specific questions about how Medicare might interact with your current health insurance, click on one of the answers below...
If you don’t begin receiving benefits from Social Security or the Railroad Retirement Board at least 4 months before turning 65, you'll need to sign up with Social Security to get Medicare Parts A and B.
However, you may be able to delay signing up for Medicare Parts A and B without having to pay a penalty if you enroll later, depending on the serize of the employer. We can better answer any detailed questions once we know more about your individual life situation, so please feel free to book a consultation call and we can get you get started.
In most cases, you won’t need to do anything until you or your spouse retire, or you lose your current employer coverage.
If you didn’t enroll in Medicare when you were first eligible, the size of your employer will determine whether or not you’ll have to pay any penalties when enrolling at a later date. You should still make sure you’re getting the best healthcare coverage and value for any premiums you currently pay.
We see (and help correct) HSA mistakes all the time. The IRS doesn’t allow anyone enrolled in Medicare to contribute to an HSA. You can access and use any funds already in existing HSA accounts, but you should stop any additional contributions once you enroll in Medicare. You’re also barred from utilizing HSA plans at all once you enroll in Medicare Part A.
Our guidance is free for eligible beneficiaries — you’ll never need to pay us anything. We earn commissions from the private insurers we represent when someone signs up for a plan we’ve recommended.
All private insurers offering Medicare plans are regulated by state and federal laws which ensure equal commissions regardless of plan costs or benefits. This ensures impartial advice and accurate guidance. Your Medicare premiums would be the same if you sign up for the first plan you find online, or if you choose to work with a trusted advocate like Thrive. Only one of these options gets you the best possible information so you can choose the best plan, so why not give us a try?
We want to help you choose Medicare coverage that works for you. Our commitment to transparency guarantees you’ll know the costs and benefits of your various options up front, and these costs remain the same whether you enroll through Thrive or on your own.
Call us now (860-680-1708)
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