The Benefits of Medicare: Ensuring Affordable Health Care for All

In a globe where access to budget friendly healthcare continues to be a pushing worry, Medicare emerges as a sign of hope for millions of people. From its thorough coverage to its large network of companies, Medicare stands as an important lifeline for those seeking inexpensive health care.

Comprehensive Coverage

Comprehensive protection under Medicare offers comprehensive benefits and makes certain that people have access to a large range of essential health care solutions. Medicare, a federal wellness insurance coverage program primarily for individuals matured 65 and older, offers insurance coverage for healthcare facility keeps, physician gos to, prescription medicines, preventive solutions, and a lot more. This detailed coverage is developed to use financial security and peace of mind to Medicare beneficiaries, permitting them to obtain the care they need without dealing with expensive out-of-pocket costs.


Among the key benefits of thorough coverage under Medicare is the access it offers to a large array of medical care services. Medicare beneficiaries have the flexibility to select their doctor, including doctors, specialists, medical facilities, and other medical care centers, providing them the flexibility to receive treatment from trusted professionals. This guarantees that individuals can obtain the necessary medical therapy and services, consisting of preventative care, analysis examinations, surgeries, and recurring care for persistent problems.


Moreover, Medicare's thorough insurance coverage consists of prescription medication advantages. With Medicare, recipients have access to a formulary of covered prescription medications, which aids to lower the monetary concern of acquiring drugs.

Cost-Sharing Options

Medicare uses different cost-sharing choices to assist beneficiaries handle their medical care costs. These alternatives are made to make sure that individuals have accessibility to necessary medical solutions while likewise maintaining their out-of-pocket prices affordable. One of the most common cost-sharing alternatives is the Medicare Component B costs, which covers services such as medical professional check outs, outpatient care, and precautionary services. Recipients are required to pay a regular monthly premium for this protection, with the quantity based on their income level. In addition, Medicare offers the alternative of purchasing extra insurance, understood as Medigap, to aid cover the costs that initial Medicare does not pay for. Medigap plans are offered by exclusive insurer and can assist with expenditures such as deductibles, copayments, and coinsurance. Another cost-sharing choice is the Medicare Component D prescription medicine insurance coverage, which aids recipients afford their required medicines. This coverage needs the repayment of a month-to-month costs, and beneficiaries may likewise be in charge of a deductible and copayments for their medicines. Generally, these cost-sharing alternatives play an important function in making certain that Medicare recipients can access the healthcare they need without facing overwhelming monetary problems.

Wide Network of Providers

A key benefit of Medicare is its substantial network of doctor. Medicare is a federal medical insurance program that supplies coverage to people aged 65 and older, along with specific younger people with impairments. With over 1.4 million healthcare carriers joining Medicare, recipients have accessibility to a wide variety of physician, hospitals, and centers throughout the country.


Having a vast network of companies is essential in making certain that Medicare beneficiaries have accessibility to the healthcare solutions they require. With Medicare, individuals have the liberty to select their healthcare suppliers, giving them the versatility to seek treatment from professionals and doctors that ideal meet their requirements.


Medicare's network of providers includes main treatment physicians, experts, health centers, taking care of homes, and home health and wellness firms. This vast array of providers guarantees that recipients can obtain comprehensive and coordinated care, from regular examinations to specialized therapies.

Moreover, Medicare's network likewise consists of suppliers that approve task, suggesting they concur to approve Medicare's approved amount as payment in full for protected solutions. This assists to maintain prices down for beneficiaries and makes sure that they are not left with extreme out-of-pocket costs.

Prescription Drug Coverage

Prescription medicine insurance coverage is an essential part of health care for numerous individuals, making certain access to necessary drugs and promoting general health. Medicare, the federal medical insurance program for people matured 65 and older, offers prescription medication insurance coverage via the Medicare Component D program. This protection aids beneficiaries afford the cost of prescription drugs, which can frequently be costly.

One of the crucial benefits of Medicare's prescription drug coverage is the vast range of medicines that are covered. Medicare Component D plans normally cover a wide selection of prescription medicines, including both generic and brand-name medicines. This ensures that beneficiaries have accessibility to a wide array of treatment alternatives for their clinical problems.


Furthermore, Medicare Component D plans usually work out affordable prices with pharmaceutical manufacturers. These negotiated rates assist reduced the out-of-pocket expenses for recipients, making medications much more car insurance obtainable and inexpensive. The program also consists of a disastrous insurance coverage arrangement, which helps secure recipients from high medicine expenses by limiting their annual out-of-pocket expenditures.

Preventive Solutions

Advertising total health, Medicare Part D also provides coverage for a series of precautionary solutions that help individuals keep their health workers compensation insurance and wellness and find possible issues early. Medicare recognizes the importance of preventative care in reducing health care prices and boosting general health and wellness results.


Under Medicare Part D, beneficiaries have access to a variety of precautionary services, such as screenings, inoculations, and therapy. These solutions are created to avoid or discover health and wellness problems at an early phase when treatment is more reliable and less pricey. Examples of preventive solutions covered under Medicare Part D include mammograms, colonoscopies, influenza shots, and smoking cessation therapy.

By giving coverage for preventive services, Medicare assists individuals remain healthy and balanced and stay clear of the growth of persistent conditions. Normal testings can detect conditions like diabetic issues, high blood pressure, and cancer cells in their beginning, enabling prompt intervention and therapy - Best Medicare plan Massapequa. This not only improves health outcomes but additionally reduces the need for more comprehensive and costly medical interventions in the future


Furthermore, preventive services can additionally aid people make notified decisions about their health. Through therapy and education and learning, beneficiaries can find out about healthy and balanced way of life options, disease avoidance methods, and the value of regular exams. This encourages individuals to take control of their health and wellness and make choices that favorably impact their health.

Verdict

In final thought, Medicare supplies detailed insurance coverage, cost-sharing alternatives, a broad network of service providers, prescription medication coverage, and precautionary solutions. These benefits guarantee that economical healthcare is accessible travel insurance to all individuals.

Comprehensive protection under Medicare makes sure and gives extensive benefits that individuals have access to a vast range of required health care solutions - Medicare agent near me.One of the crucial benefits of detailed insurance coverage under Medicare is the access it provides to a broad variety of health care services. Furthermore, Medicare uses the choice of acquiring supplementary insurance policy, recognized as Medigap, to aid cover the prices that initial Medicare does not pay for. Medicare, the government health and wellness insurance coverage program for individuals aged 65 and older, provides prescription drug coverage via the Medicare Component D program.In final thought, Medicare uses detailed protection, cost-sharing options, a wide network of companies, prescription medication insurance coverage, and preventive solutions

 

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Some financial advisor cost structures integrate 2 of these techniques. An advisor might operate as fee-based while likewise collecting commissions on sales of new items. When considering just how to pick an economic expert, consider whether or not you require suggestions for a certain problem. You might not need a long-term partnership with investment monitoring, so a hourly rate economic consultant might be suitable.


Ads by Money. We may be compensated if you click this advertisement. Advertisement You might assume all economic advisors would place their customers' needs very first and stay clear of conflicts of interest however that's not constantly the situation. The fiduciary requirement of care likewise understood as fiduciary task is a rule that calls for financial advisors put their clients' ideal rate of interests in advance of their very own, also if that means recommending approaches that can reduce their very own payment.


Registered investment advisors have this commitment while doubters say brokers do not, regardless of a current guideline that was planned to enhance these criteria. Satisfying the fiduciary conventional matters most when you're hiring a financial expert to invest and select monetary products in your place (https://www.anyflip.com/homepage/oufpj). If you're merely looking for assistance constructing a month-to-month budget plan, this issue is likely not as vital


While you can always use the net to discover monetary experts in your area, you have more exact search tools readily available: Broker, Inspect is provided by Financial Sector Regulatory Authority's (FINRA). You can do some digging right into somebody's experience and see whether prospective advisors have actually dealt with any kind of disciplinary actions. The SEC's IADP site is a database that can assist validate that a Registered Investment Expert (RIA), be it a company or an individual, has the accreditations they claim they do.


 

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How do you pick financial investments and products for your customers? Do you have a fiduciary task to your customers? You should likewise ask inquiries about your specific scenario: Say you're an individual who is brand name new to financial preparation.




Can they help? If a consultant doesn't intend to review these details, proceed to somebody else. It is necessary you choose an expert that is transparent concerning exactly how they'll manage your funds and answer any type of concerns you may have. Advertisements by Cash. We may be made up if you click this ad.


The table listed below information some key distinctions in scope of practice, accreditations and charge frameworks. Might cover a wide array of services, consisting of those of an economic planner, plus others, such as tax suggestions, financial investment portfolio management, monetary preparation, insurance policy products Generally just provides economic planning, e. g (https://jstinsurance1.start.page)., examining budgets, short and long-term monetary goal-setting, retirement financial savings plans, estate planning Works with people, services Works with people, businesses Some usual certifications include Licensed Financial Organizer (CFP), State-licensed Accountant (CERTIFIED PUBLIC ACCOUNTANT), Chartered Financial Expert (CFA), Certified Financial Investment Management Analyst (CIMA) Controlled by the CFB Board, most usual qualification is Licensed Financial Planner (CFP) Range of fee frameworks, including compensations on financial items, flat costs and percentage of possessions under monitoring (AUM) Rates are typically per hour or level charge Before the Covid-19 pandemic, financing experts prioritized in-person meetings with their customers and the bulk of the counseling was still done in person, but this has transformed with the pandemic


Customer protection advocates have actually long been pushing click for a much more rigorous and clear fiduciary standard throughout the sector. The brand-new code of conduct holds that financial advisors and broker-dealers must: Just advise items that are in the consumer's ideal interest Plainly determine any kind of feasible problem of rate of interest or monetary motivation the broker-dealer may have.

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It, therefore, doesn't safeguard financiers to the extent that a true fiduciary regulation would certainly. The SEC said it will certainly be defined on a case-by-case basis, however absence of clearness "only offers to develop unneeded uncertainty and unnecessary risk direct exposure for both experts and financiers," Watkins states. The most effective way to safeguard yourself is to select a monetary analyst who willingly reduces the disputes of interest in their service version and willingly abides by a fiduciary criterion greater than the one the SEC imposes, claims Barbara Roper, director of investor security for the Customer Federation of America.


It's likewise vital to remember that brokers might have a different pay structure than advisors. They might earn money by offering you products that are all right for you (and will offer them a bigger payment) but are not always the very best for you - Automobile Insurance in Toccoa, GA. Do not be shy regarding asking potential experts exactly how they're made up


, alternatively, implies the advisor is limited in what they can sell, usually since they're obtaining some kind of payment from whoever is marketing the investment, like a mutual fund supervisor (https://www.nulled.to/user/5926895-jstinsurance1). It might be best to proactively find someone that is "open design," and look for out advising companies that are fee-only, paid exclusively by the customer

 

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In most other states, it is still called "Comprehensive."The only way theft would not be covered under this strategy is if it can be confirmed that the insurance holder was somehow associated with the burglary of the vehicle. That's straight-up scams. Typical points that comprehensive insurance covers include "Missiles, dropping items, burglary, larceny, wind tornado (sandblast), contact with bird or animal, mischievousness, fire, explosion, quake" Blais claims.

It's essential to keep in mind that this comprehensive level of insurance coverage is over and also beyond your fundamental liability insurance coverage. So you go out to your vehicle in the morning, as well as your auto is still there, but the window is broken. Maybe you own a car with a hands-on transmission and also the thieves couldn't drive stick, so they went after your belongings rather.

It depends what those things were, where they were situated in the car, and also exactly how they were made use of by the proprietor. If you had prized possessions in the auto, such as mobile phone, CDs, a handbag, etc, these items are covered under the individual property area of your home owners insurance, apartment insurance coverage, or tenants insurance coverage.

However even if these parts are currently on your car, it does not suggest they are covered with each other under the very same policy."Your typical stereo is covered under the vehicle plan if it is stolen in the center of the evening," states Blais. "And also lots of aftermarket units are covered."The rationale is that, theoretically, a lot of late-model cars and trucks have sophisticated stereo, and also the aftermarket devices are on-par with the supply ones.

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Do insurance policy rates go up after I submit an insurance claim? When you file a claim, your auto insurance policy prices will likely go up.

Also if there is no legal factor for you to maintain your plan, there are advantages for doing so.

If you're not going to be driving, it's an excellent idea to call your insurance policy representative to see what options you have. They might be able to assist you transform your policy and also reduced your premiums until you're behind the wheel once more. Compare Cars And Truck Insurance Policy Quotes, Get complimentary customized quotes with one straightforward kind.

United State News 360 Evaluations takes an honest strategy to our recommendations. When you utilize our links to acquire items, we might gain a payment but that in no means influences our content independence.

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Insurance coverage usages as well as the to identify the expense of insurance costs it charges clients based on different danger aspects. The price has to suffice for the company to pay insurance claims in the future, pay its expenditures, as well as make an affordable revenue, yet not a lot to avert consumers. The most likely an event will certainly happen for an offered client, the more insurance provider will certainly require to gather to pay the awaited cases.

The price companies charge for insurance policy protection undergoes government regulation. Insurance business may not discriminate versus applicants or insureds based on a factor that does not straight connect to the opportunity of a loss taking place.

Health insurance coverage is crucial to have, however it's not always understandable. You may This Site have to take a few steps to see to it your pop over to this site insurance policy will certainly spend for your wellness treatment bills. There are also a great deal of keywords as well as phrases to maintain directly in your head. Below's some basic details you require to understand:Medical insurance aids pay for your health care.

Each insurance coverage company has various policies for using health care advantages.

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In basic, you will offer your insurance info to your doctor or hospital when you go for treatment. Your insurance policy card shows that you have wellness insurance coverage.

Your card is also handy when you have questions regarding your health and wellness protection. The contracts mean out what they will certainly be paid for the care they provide.

Some insurance plans will certainly not pay anything if you do not use a network supplier (except in the instance of an emergency). So it is essential to get in touch with the plan's network prior to looking for care. You can call your insurance coverage company utilizing the number on your insurance policy card. The firm will certainly tell you the medical professionals and medical facilities in your location that are part of their network.

Everyone with health insurance coverage ought to have a physician who will supervise their medical care. That indicates you will need to discover a physician-- additionally called your health care medical professional-- who is tackling brand-new clients. If you have children, you will need to locate a doctor or family members practice physician for their care.

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Call your insurance policy firm first to make sure it will certainly pay for therapy there. Your insurance coverage might also cover care at a retail-based facility like the ones at huge shops with pharmacies.

Before going to a walk-in facility, check with your insurance coverage firm to make certain they will certainly pay for any type of care you receive there.

Paying for healthcare includes 2 kinds of prices. You pay a month-to-month costs and also your cost-sharing-- the portion of each therapy or solution that is your duty. The quantity of money you check this site out pay differs from strategy to strategy. Many health insurance plan have a buck amount called the insurance deductible.

 

Public Adjuster Can Be Fun For Everyone

When handled by a licensed claim professional, many home owners as well as business insurance coverage cases can be worked out successfully and also without the requirement to sue. Now you recognize the response to the question: What does a public insurance policy insurer do? If you have an insurable loss, it is very important to hire a public insurance policy adjuster to ensure that you obtain fair and full payment.


Understood as one of the primary Public Insurance Insurers in the Southwest, Jim O'Toole got his beginning in 1976 at the young age of 17. A: You'll practically constantly get a greater settlement from the insurance business if you use a public insurer for the easy factor that your insurance claim will be provided a lot a lot more positively and also with careful attention to your policy insurance coverage.

Studies have plainly shown that one of the most inventories put together by guaranteed without the aid of the public adjuster are extremely insufficient. A: A public insurer is an insurance coverage declares adjuster who supports for the insurance policy holder in appraising as well as working out an insurance case. A public adjuster is the only type of cases insurer that can lawfully represent the civil liberties of an insured throughout an insurance policy claim procedure.

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It would certainly be a significant violation for any kind of insurance provider to victimize you in any method for exercising an appropriate provided to you by the State of Florida. A: Usually, it is not as well late. Florida law permits a few years to file a supplementary insurance claim from the day of loss.


We will very carefully audit and also examine your insurance claim and also offer you our professional point of view (public adjuster). A: The insurance coverage business adjuster or independent claim adjuster are both utilized by the insurance provider and also can't secure both your rate of interest and also the interest of his/her employer at the exact same time. The insurance coverage company insurer will typically supply to clear up a claim for the amount they see fit, which is not always in support of the policyholder.


When a person has experienced the benefits of our services, they will hardly ever attempt to work out an insurance claim without our assistance. A: You should call us immediately after a loss. It is most useful for all parties when we are entailed at the start of the case advancement so we can establish the tone for the entire procedure.


These fees are managed by the Florida Division of Financial Providers. A: Yes! Many of our clients were told their case was denied. We merely reopen the loss, discuss with your insurance provider, as well as urge they pay for sensible damages.

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Like all professions, some public adjusters are much better than others. When selecting the general public adjuster ideal qualified to manage your case, try to find an accredited public adjuster with a tested performance history revealing they are successful: It's very easy to discuss property insurance policy claims like they all adhere to a clear path navigate to these guys that leads straight to the ideal outcome.




The loss problems fulfill the standards for insurance coverage. Cases obtain unpleasant in a rush, generally due to the fact that the: Plan language is strange, hard to recognize, and also subject to analysis.

With a level having fun field, abundant documentation, and also proven evidence of all evaluations, it comes to be really difficult for the insurer to say for anything much less than a full as well as fair negotiation.


Our work is made complex. You, our clients, are encountered with anxiety, grief, anxiety and also a host of other feelings. Our group is available in as your consulting companion. We aid you take care of the emotions, to ensure that we can concentrate on our job of maximizing the outcomes for your claims of residential or commercial property loss.

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Your insurance policy company will undervalue your insurance claim as well as is in business to pay out the minimal quantity of problems. Clarke & Cohen settles your insurance policy case with the most equitable settlement in the least quantity of time.


We function largely in the Philadelphia location and the New Jersey shore, but have settled claims throughout the nation as well as the Caribbean for years. When you require to file an insurance policy claim, the full duty of preparing the claim falls upon you, not the insurance provider. Nevertheless, when you file this claim without aid, you may miss important details that would have functioned to your financial advantage.


We function as your advocate throughout the intricate process of insurance policy claim settlement. This makes certain that your insurance coverage healing is the optimum feasible. Contact us today to read more.

Opportunities are you have actually become aware of public adjusters however were not exactly sure what they do or exactly how they are entailed with an insurance policy case. That is, until they are knocking on your door as component of your insurance coverage case. You wouldn't be alone in desiring to understand more concerning the procedure. loss adjuster.

The Main Principles Of Public Adjuster

Contrasted with an adjuster employed by the insurer, you stand a better possibility of obtaining a reasonable settlement with the public adjuster. However, public insurance adjusters can be costly, and their view fees (generally 10-20% of you check it out claim) may not constantly deserve it for you. Likewise, while a public insurance adjuster knows Florida's statutes concerning residential or commercial property insurance coverage cases, they do not practice legislation as well as have no experience facing insurer when a lawful disagreement emerges and also must be taken to court.

 

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Contact the prepare for more information. paul b insurance local medicare agent huntington. Just Medical Care Program, Inc. is a Medicare-contracted coordinated treatment strategy that has a Medicaid contract with the State of Florida Agency for Healthcare Management to provide advantages or schedule benefits to be provided to enrollees. Enrollment in Simply Healthcare Program, Inc. depends on agreement renewal.


The Centers for Medicare & Medicaid Services (CMS) runs the Medicare program, but it doesn't identify who's eligible. Age 65 or older Impairment - those who have been obtaining disability benefits for at least 24 months Ailments such as end-stage kidney illness (ESRD) or amyotrophic lateral sclerosis (ALS) If you currently get Social Safety and security or Railway Retired Life Board (RRB) advantages when you get qualification for Medicare health insurance coverage, Uncle Sam may immediately enroll you.


The majority of people very first sign up with the rankings of Medicare recipients the month they turn 65. If you certify for Medicare this way, your First Registration Duration will certainly start 3 months prior to the month you transform 65.

 

 

 

What Does Paul B Insurance Local Medicare Agent Huntington Do?

In enhancement to the above means to qualify for Medicare medical insurance, you might also be eligible if you have among the list below illness: To certify, you have to need normal dialysis or a kidney transplant, as well as your coverage can start shortly after your initial dialysis therapy. If you obtain a transplant and no more require dialysis, you'll shed Medicare eligibility.


Although you might have the ability to begin taking out Social Security benefits for retired life at age 62, Medicare isn't offered to many people until they transform 65. If you are under the age of 65, you might be eligible for Medicare if you satisfy any of the adhering to criteria. You have actually been obtaining Social Security impairment advantages for at least 24 months.


You have Lou Gehrig's illness (ALS). You have ESRD needing regular dialysis or a kidney transplant, and also you or your partner has actually paid Social Security tax obligations for a length of time that depends on your age. If none of these scenarios relate to you, you'll have to wait till age 65 to start obtaining your Medicare advantages.

 

 

 

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If you become qualified for Medicare prior to you turn 65 because of impairment or among the above medical diagnoses, you'll requalify once again when you get to age 65. When you do, you'll have one more Initial Registration Duration and all the benefits of a freshly qualified Medicare recipient, such as a Medicare Supplement Enrollment Period..




There are 2 ways to sign up in Medicare: You will certainly be enrolled in both Part An as well as Part B upon reaching age 65. About 3 months before your 65th birthday, you should obtain a mail, alerting you of your enrollment in Medicare. You will be enlisted in both Component An as well as Component B, starting with the 25th month that you are qualified for Social Security handicap insurance policy (SSDI) advantages.


If you do not want Part B advantages, you must notify Social Safety in writing to decrease the coverage. If you are not enlisted in Medicare as explained earlier, you will certainly require to apply. Your application should be made during a 7-month duration based upon when you transform age 65.

 

 

 

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Consequently, it is very important to apply for Medicare when you turn 65. You are permitted to delay enrolling in Component B without penalty under the adhering to conditions: You are age 65 or over and you have team health and wellness insurance policy based upon your own or your spouse's present employment; or You are handicapped, and also you have group wellness insurance coverage based on your present work or the present work of a family members participant.


I license I am a health treatment carrier, a worker of a fantastic read a health treatment provider, an organization associate of a health and wellness treatment supplier, or an employee of a company associate, and also the objective of my accessibility to any kind of Virginia Premier System is associated to the stipulation or payment of health and wellness treatment solutions (paul b insurance medicare advantage plans huntington).

 

 

 

This includes complete conformity with the Health and wellness Insurance Policy Mobility and also Responsibility Act of 1996 ('HIPAA'), the HITECH Act, and the Virginia Health Records Privacy Act, as well as suitable regulations to these laws. I concur to keep confidential all details associated to Virginia Premier System company, including, but not restricted to, high quality as well as threat monitoring activities in addition to various other personal or individual details worrying the clinical, personal, or service events of Virginia Premier System as well as its members.

 

 

 

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When you come to be eligible for Medicare, there's a whole lot to consider. It is very important to understand how this sort of insurance coverage fits in with protection through Covered The golden state and the steps you'll require to take to transition to Medicare promptly. Medicare is site link a government medical insurance program for people that are 65 or older, certain more youthful individuals with handicaps and also people with irreversible kidney failure.


If you are presently a Covered California enrollee and also end up being qualified for or are enlisted in Medicare, you may require investigate this site to take prompt action to avoid financial penalties and also voids in health and wellness coverage. You can secure free therapy concerning your Medicare eligibility and also enrollment options, including whether you receive programs to decrease your Medicare expenses, by calling the Medical insurance Counseling and Advocacy Program (HICAP) at (800) 434-0222. paul b insurance medicare agency huntington.