{"id":300,"date":"2024-07-22T12:54:17","date_gmt":"2024-07-22T12:54:17","guid":{"rendered":"https:\/\/4wandh.com\/?page_id=300"},"modified":"2024-10-01T11:03:28","modified_gmt":"2024-10-01T16:03:28","slug":"health","status":"publish","type":"page","link":"https:\/\/coveringyou.com\/home\/health\/","title":{"rendered":"Health"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"300\" class=\"elementor elementor-300\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b540f75 e-con-full e-flex e-con e-parent\" data-id=\"b540f75\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_offset&quot;:0,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t<div class=\"elementor-element elementor-element-276e887 e-con-full e-flex e-con e-child\" data-id=\"276e887\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-be890e5 e-con-full e-flex e-con e-child\" data-id=\"be890e5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cf93305 elementor-icon-list--layout-inline elementor-align-start elementor-mobile-align-start elementor-widget-mobile__width-initial elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"cf93305\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;none&quot;}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-phone\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M493.4 24.6l-104-24c-11.3-2.6-22.9 3.3-27.5 13.9l-48 112c-4.2 9.8-1.4 21.3 6.9 28l60.6 49.6c-36 76.7-98.9 140.5-177.2 177.2l-49.6-60.6c-6.8-8.3-18.2-11.1-28-6.9l-112 48C3.9 366.5-2 378.1.6 389.4l24 104C27.1 504.2 36.7 512 48 512c256.1 0 464-207.5 464-464 0-11.2-7.7-20.9-18.6-23.4z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">561-285-4500<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-envelope\" viewBox=\"0 0 512 512\" 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500 167 742C138 771 138 800 167 829 196 858 225 858 254 829L496 587 738 829C750 842 767 846 783 846 800 846 817 842 829 829 842 817 846 804 846 783 846 767 842 750 829 737L588 500 833 258C863 229 863 200 833 171 804 137 775 137 742 167Z\"><\/path><\/svg>\t\t<\/div>\n\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-0e726d3\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-home menu-item-417\"><a href=\"https:\/\/coveringyou.com\/home\/\" class=\"elementor-item\" tabindex=\"-1\">Home<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-415\"><a href=\"https:\/\/coveringyou.com\/home\/wealth\/\" class=\"elementor-item\" tabindex=\"-1\">Wealth<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-416\"><a href=\"https:\/\/coveringyou.com\/home\/health\/\" class=\"elementor-item\" tabindex=\"-1\">Health<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-413\"><a href=\"https:\/\/coveringyou.com\/home\/careers\/\" class=\"elementor-item\" tabindex=\"-1\">Careers<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-414\"><a href=\"https:\/\/coveringyou.com\/home\/221-2\/\" class=\"elementor-item\" tabindex=\"-1\">Book a Time!<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e266977 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"e266977\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-90d36fd\" data-id=\"90d36fd\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b03fdf8 elementor-widget elementor-widget-heading\" data-id=\"b03fdf8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">planning for the future.<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f65b43a elementor-widget elementor-widget-text-editor\" data-id=\"f65b43a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Medicare &amp; You.<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6fc28cf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6fc28cf\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8b8d520\" data-id=\"8b8d520\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c9d7645 elementor-widget elementor-widget-heading\" data-id=\"c9d7645\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Understanding Medicare:<br>What you need to know.<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4fb61a1 elementor-widget elementor-widget-text-editor\" data-id=\"4fb61a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Medicare is a health insurance program for:<br \/>&#8211; People age 65 or older,<br \/>&#8211; People under age 65 with certain disabilities, and<br \/>&#8211; People of all ages with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant).<\/p><p>Medicare is made up of a few parts:<\/p><p><span style=\"font-weight: bolder; color: #212529; font-family: Roboto;\">Part A (Hospital Insurance)<\/span><span style=\"color: #212529; font-family: Roboto;\">\u00a0<\/span><span style=\"color: #212529; font-family: Roboto;\">&#8211; Most people don&#8217;t pay a premium for Part A because they or a spouse already paid for it through their payroll taxes while working. Medicare Part A helps cover inpatient care in hospitals, including critical access hospitals, and skilled nursing facilities (not custodial or long-term care). It also helps cover hospice care and some home health care.\u00a0 Beneficiaries must meet certain conditions to get these benefits.\u00a0\u00a0<\/span><\/p><p><span style=\"font-weight: bolder; color: #212529; font-family: Roboto;\">Part B (Medical Insurance)<\/span><span style=\"color: #212529; font-family: Roboto;\">\u00a0<\/span><span style=\"color: #212529; font-family: Roboto;\">&#8211; Most people pay a monthly premium for Part B. Medicare Part B helps cover doctors&#8217; services and outpatient care. It also covers some other medical services that Part A doesn&#8217;t cover, such as physical and occupational therapists, and some home health care.\u00a0 Part B helps pay for these covered services and supplies when they are medically necessary. If you delay applying for your Part B premium when you are first eligible, then there may be a penalty and a gap in your coverage.<\/span><span style=\"color: #212529; font-family: Roboto;\"><br \/><\/span><\/p><p style=\"margin: 0px; line-height: 28.9px; color: #212529; font-family: Roboto;\"><strong>Part D (Prescription Drug Coverage)<\/strong>\u00a0\u2013 Most people will pay a monthly premium for this coverage. In January 1, 2006, Medicare prescription drug coverage became available to everyone with Medicare. This coverage is to help you lower prescription drug costs and help protect against higher costs in the future.\u00a0 Beneficiaries choose a prescription drug plan and pay a monthly premium. Like Part B, if a beneficiary decides not to enroll in a drug plan when they are first eligible, they may pay a penalty if they choose to join later.<\/p><p style=\"margin: 0px; line-height: 28.9px; color: #212529; font-family: Roboto;\">\u00a0<\/p><p style=\"margin: 0px; line-height: 28.9px; color: #212529; font-family: Roboto;\">Medicare only covers 80% of our medical bills and so we as individuals are responsible for the other 20%. Under Part A, we are responsible for a sizable co-pay for hospitalizations and this resets every 60 days, so we can be responsible for that up to 5 times per year. Under Part B, it is an 80\/20 split, with no maximum out of pocket limit on our 20%.\u00a0 Since Medicare only covers 80% of our medical costs, there are 2 paths people take to fill those gaps. You cannot have both, you must pick 1 of them to meet your healthcare needs. To join either of these paths, you must still pay your Part B premiums.<\/p><p style=\"margin: 0px; line-height: 28.9px; color: #212529; font-family: Roboto;\"><span style=\"color: #000000; font-family: Roboto, sans-serif;\">\u00a0<\/span><\/p><p style=\"margin: 0px; line-height: 28.9px; color: #212529; font-family: Roboto;\">This information comes from\u00a0<a style=\"cursor: pointer; transition: all 0.15s linear 0s; color: #61b6d8;\" href=\"https:\/\/www.cms.gov\/Medicare\/Medicare-General-Information\/MedicareGenInfo\/index.html\" target=\"_blank\" rel=\"noopener noreferrer\">www.cms.gov<\/a><\/p><p style=\"margin: 0px; line-height: 28.9px; color: #212529; font-family: Roboto;\"><em><span style=\"font-weight: bolder;\">By contacting the phone number on this website you will be directed to a licensed agent.<\/span><\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4bef183 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4bef183\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5e4a9e1\" data-id=\"5e4a9e1\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4e91a0b elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"4e91a0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Medicare Supplements \/ MediGap <br><br><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44fd96a elementor-widget elementor-widget-text-editor\" data-id=\"44fd96a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>If you choose a Medicare Supplement plan, this plan literally \u201csupplements\u201d Original Medicare. That means it will cover only what Original Medicare covers. Original Medicare does not cover prescription drugs, dental, vision or hearing services.<\/strong><\/p><p><strong>The federal government requires that Medicare Supplement plans be standardized. A Medicare Supplement Plan G will look the same whether it is offered by AARP, Aetna, Humana, Mutual of Omaha or any other carrier. The ONLY difference is the monthly premium. These plans will cover all, most, or some of what Original Medicare does not cover.<\/strong><\/p><p><strong>There is a monthly premium you will pay in addition to your Part B premium. For a Plan G, the average premium paid by a 65-year-old is $100\/month. You should still get a Prescription Drug Plan because it is not included with the Medicare Supplement plan or Original Medicare.<\/strong><\/p><p><strong>You will need to carry multiple cards with you to provide proof of coverage. You will have your Medicare card (red, white, &amp; blue card), your supplement card, a prescription card, a dental card, etc. Medicare Supplement plans allow you to have predictable and low out of pocket costs because you are pre-paying for your health expenses.\u00a0\u00a0<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c9c6438\" data-id=\"c9c6438\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-03ba2b1 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"03ba2b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Medicare Advantage \/ Part C<br> <br><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ff029c elementor-widget elementor-widget-text-editor\" data-id=\"2ff029c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>If you choose a Medicare Advantage Prescription Drug plan (MAPD), you will get all your healthcare coverage through this plan. This plan will include everything Original Medicare covers and some extra benefits such as prescription drug coverage, dental, vision, hearing, &amp; some over-the-counter benefits.\u00a0\u00a0<\/strong><\/p><p><strong>These are not standardized plans and insurance companies offer a variety of additional benefits to help people depending on their healthcare needs and concerns.\u00a0<\/strong><\/p><p><strong>These plans do change every fall in September.\u00a0 You can change or update your plan every year during the Annual Enrollment Period, from October 15 \u2013 December 7.\u00a0 It is important to review your plans to make sure that you are still in the best plan, and your doctors and drugs are still in-network at the best cost for you.<\/strong><\/p><p><strong>These are typically low cost or no cost plans, with most plans ranging from zero premium to $40\/month. You will only have to carry 1 card.\u00a0 The same card will be used at the hospital, the doctor\u2019s office, the pharmacy, dentist, optometrist and audiologist.\u00a0<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a143144 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a143144\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1facdc2\" data-id=\"1facdc2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b9f6ba0 elementor-widget elementor-widget-heading\" data-id=\"b9f6ba0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Questions &amp; Answers.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f80cf8b elementor-widget elementor-widget-heading\" data-id=\"f80cf8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">important things you should know.<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-863e818 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"863e818\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-23367ab\" data-id=\"23367ab\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-56e997e elementor-widget elementor-widget-toggle\" data-id=\"56e997e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9111\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-9111\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-long-arrow-alt-down\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M168 345.941V44c0-6.627-5.373-12-12-12h-56c-6.627 0-12 5.373-12 12v301.941H41.941c-21.382 0-32.09 25.851-16.971 40.971l86.059 86.059c9.373 9.373 24.569 9.373 33.941 0l86.059-86.059c15.119-15.119 4.411-40.971-16.971-40.971H168z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-long-arrow-alt-up\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M88 166.059V468c0 6.627 5.373 12 12 12h56c6.627 0 12-5.373 12-12V166.059h46.059c21.382 0 32.09-25.851 16.971-40.971l-86.059-86.059c-9.373-9.373-24.569-9.373-33.941 0l-86.059 86.059c-15.119 15.119-4.411 40.971 16.971 40.971H88z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Can I have both a Medicare Supplement & a Medicare Advantage Plan?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9111\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-9111\"><h6>You cannot have both plans, you must choose one. People often want a supplement since it covers the 20% that Medicare does not cover and then add the no cost Medicare Advantage Plan to get the drug coverage, dental, vision &amp; hearing. But you must pick either a supplement and get a standalone Prescription Drug Plan or get a Medicare Advantage Plan.<strong>\u00a0<\/strong><\/h6><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9112\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-9112\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-long-arrow-alt-down\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M168 345.941V44c0-6.627-5.373-12-12-12h-56c-6.627 0-12 5.373-12 12v301.941H41.941c-21.382 0-32.09 25.851-16.971 40.971l86.059 86.059c9.373 9.373 24.569 9.373 33.941 0l86.059-86.059c15.119-15.119 4.411-40.971-16.971-40.971H168z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-long-arrow-alt-up\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M88 166.059V468c0 6.627 5.373 12 12 12h56c6.627 0 12-5.373 12-12V166.059h46.059c21.382 0 32.09-25.851 16.971-40.971l-86.059-86.059c-9.373-9.373-24.569-9.373-33.941 0l-86.059 86.059c-15.119 15.119-4.411 40.971 16.971 40.971H88z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Do I need anything else If I have Medicare & Medicaid?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9112\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-9112\"><h6>For the most part, if you have Medicare &amp; Medicaid then your healthcare needs are taken care of. However, in most cases, you can add a no cost Medicare Advantage Plan that will offer you additional benefits such as extra dental, vision &amp; hearing. Most of these plans will come with a healthy groceries benefit, transportation to and from medical appointments, as well as some over-the-counter benefits. It is important to make sure you&#8217;re getting all the benefits you are eligible for and entitled to. These plans are designed to add additional benefits for a largely underserved demographic.<\/h6><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9113\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-9113\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-long-arrow-alt-down\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M168 345.941V44c0-6.627-5.373-12-12-12h-56c-6.627 0-12 5.373-12 12v301.941H41.941c-21.382 0-32.09 25.851-16.971 40.971l86.059 86.059c9.373 9.373 24.569 9.373 33.941 0l86.059-86.059c15.119-15.119 4.411-40.971-16.971-40.971H168z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-long-arrow-alt-up\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M88 166.059V468c0 6.627 5.373 12 12 12h56c6.627 0 12-5.373 12-12V166.059h46.059c21.382 0 32.09-25.851 16.971-40.971l-86.059-86.059c-9.373-9.373-24.569-9.373-33.941 0l-86.059 86.059c-15.119 15.119-4.411 40.971 16.971 40.971H88z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Do I still need to Pay for Part B if I can get a no cost plan?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9113\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-9113\"><h6>Regardless of which path you choose, supplement or Medicare Advantage plan, you must continue to pay for your Part B premium.&nbsp;<\/h6><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9114\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-9114\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-long-arrow-alt-down\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M168 345.941V44c0-6.627-5.373-12-12-12h-56c-6.627 0-12 5.373-12 12v301.941H41.941c-21.382 0-32.09 25.851-16.971 40.971l86.059 86.059c9.373 9.373 24.569 9.373 33.941 0l86.059-86.059c15.119-15.119 4.411-40.971-16.971-40.971H168z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-long-arrow-alt-up\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M88 166.059V468c0 6.627 5.373 12 12 12h56c6.627 0 12-5.373 12-12V166.059h46.059c21.382 0 32.09-25.851 16.971-40.971l-86.059-86.059c-9.373-9.373-24.569-9.373-33.941 0l-86.059 86.059c-15.119 15.119-4.411 40.971 16.971 40.971H88z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">It seems like there are 100s of plans, how do I sort through them?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9114\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-9114\"><h6>When you watch TV commercials or sort through all the mail that comes to your home, it seems like there are 100\u2019s of Medicare Plans and it can be very overwhelming to figure out which to choose.<\/h6><h6>All of these plans actually fall into 2 categories, the plan is either a Medicare Supplement plan\u00a0(also called MediGap)\u00a0or it is a Medicare Advantage Plan. You can sort through the noise by separating them into 2 piles.<\/h6><h6>Medicare Supplements are like paying for a buffet, you pay monthly and will have little out of pocket to pay throughout the year. Medicare Supplement plans do not come with drug coverage, dental, vision, or hearing coverage so you\u2019ll need to add plans if you want to include them in your healthcare.\u00a0 Medicare Advantage Plans can range from zero-premium plans to plans with a low monthly cost.\u00a0 Much like the health insurance you had when working, there will be some co-pays required to see specialists, to cover some diagnostic tests, and\/or if you are hospitalized. These plans do come with prescription drug coverage, dental, vision, hearing, and some over-the-counter benefits.<\/h6><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5cb54e5\" data-id=\"5cb54e5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f61af1f elementor-widget elementor-widget-toggle\" data-id=\"f61af1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2581\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2581\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-long-arrow-alt-down\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M168 345.941V44c0-6.627-5.373-12-12-12h-56c-6.627 0-12 5.373-12 12v301.941H41.941c-21.382 0-32.09 25.851-16.971 40.971l86.059 86.059c9.373 9.373 24.569 9.373 33.941 0l86.059-86.059c15.119-15.119 4.411-40.971-16.971-40.971H168z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-long-arrow-alt-up\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M88 166.059V468c0 6.627 5.373 12 12 12h56c6.627 0 12-5.373 12-12V166.059h46.059c21.382 0 32.09-25.851 16.971-40.971l-86.059-86.059c-9.373-9.373-24.569-9.373-33.941 0l-86.059 86.059c-15.119 15.119-4.411 40.971 16.971 40.971H88z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Why are Medicare Advantage Plans no cost or low cost?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2581\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2581\"><h6>Medicare Advantage Plans are low cost or no cost because the federal government actually pays the insurance companies to administer your Medicare services. Medicare Advantage plans have networks of care providers to manage healthcare needs. These plans offer preventative care through dental, vision, hearing, no-cost gym memberships, and over-the-counter benefits to keep you healthier. Healthier patients will typically have lower healthcare costs and less expensive hospitalizations. The catch is, much like your previous work health insurance, there are co-pays, co-insurances and deductibles. This can make sense for people who either cannot afford a supplement or do not want to pay the annually increasing costs to have a supplement and a prescription drug plan.<\/h6><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2582\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2582\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-long-arrow-alt-down\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M168 345.941V44c0-6.627-5.373-12-12-12h-56c-6.627 0-12 5.373-12 12v301.941H41.941c-21.382 0-32.09 25.851-16.971 40.971l86.059 86.059c9.373 9.373 24.569 9.373 33.941 0l86.059-86.059c15.119-15.119 4.411-40.971-16.971-40.971H168z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-long-arrow-alt-up\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M88 166.059V468c0 6.627 5.373 12 12 12h56c6.627 0 12-5.373 12-12V166.059h46.059c21.382 0 32.09-25.851 16.971-40.971l-86.059-86.059c-9.373-9.373-24.569-9.373-33.941 0l-86.059 86.059c-15.119 15.119-4.411 40.971 16.971 40.971H88z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">I don't take prescription drugs, do I need a prescription drug plan?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2582\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2582\"><h6>Once you are age 65 you should be enrolled in a Prescription Drug Plan (PDP). If you have &#8220;creditable coverage&#8221; through your work or your spouse&#8217;s work then you can delay drug coverage. People often ask if they can wait to get a PDP until they start taking medications, unfortunately, there is a penalty if you delay drug coverage after the age of 65. Please consult with a licensed agent to see when you need to enroll to avoid a lifetime penalty.<\/h6><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2583\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2583\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-long-arrow-alt-down\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M168 345.941V44c0-6.627-5.373-12-12-12h-56c-6.627 0-12 5.373-12 12v301.941H41.941c-21.382 0-32.09 25.851-16.971 40.971l86.059 86.059c9.373 9.373 24.569 9.373 33.941 0l86.059-86.059c15.119-15.119 4.411-40.971-16.971-40.971H168z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-long-arrow-alt-up\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M88 166.059V468c0 6.627 5.373 12 12 12h56c6.627 0 12-5.373 12-12V166.059h46.059c21.382 0 32.09-25.851 16.971-40.971l-86.059-86.059c-9.373-9.373-24.569-9.373-33.941 0l-86.059 86.059c-15.119 15.119-4.411 40.971 16.971 40.971H88z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">I am a Veteran and have VA benefits or Tricare, do I need anything else?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2583\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2583\"><h6>Veterans who have served, have access to VA benefits. If an individual retires after serving as a career Veteran with the military, they have access to TRICARE benefits. Both groups can benefit from a no cost Medicare Advantage plan. There are specific plans that are tailor-made to complement VA benefits. These plans commonly have a Part B giveback which returns part of the Part B premium payment back to the Veteran!\u00a0 This type of Medicare Advantage plan typically comes with dental, vision, hearing, and over-the-counter benefits. If you do not have TRICARE but still have VA benefits these plans can also give you options to go outside of the VA, putting more of your healthcare decisions in your hands.<\/h6><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2584\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2584\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-long-arrow-alt-down\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M168 345.941V44c0-6.627-5.373-12-12-12h-56c-6.627 0-12 5.373-12 12v301.941H41.941c-21.382 0-32.09 25.851-16.971 40.971l86.059 86.059c9.373 9.373 24.569 9.373 33.941 0l86.059-86.059c15.119-15.119 4.411-40.971-16.971-40.971H168z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-long-arrow-alt-up\" viewBox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M88 166.059V468c0 6.627 5.373 12 12 12h56c6.627 0 12-5.373 12-12V166.059h46.059c21.382 0 32.09-25.851 16.971-40.971l-86.059-86.059c-9.373-9.373-24.569-9.373-33.941 0l-86.059 86.059c-15.119 15.119-4.411 40.971 16.971 40.971H88z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What are the different types of supplements?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2584\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2584\"><p><strong>Supplements, <em>(also known as MediGap plans)<\/em>, are regulated by the federal government and are the same in every state where they are offered.\u00a0 They are the same regardless of which insurance company offers the plan.\u00a0 The only difference is the premium charged by the insurance carriers. Supplements cover all, most, or some of the 20% that Original Medicare does not cover.<\/strong><\/p><p><strong>The most common supplements are: Plan F, G, and N. Think of Plan F for \u201cfull.\u201d You pay the Plan F monthly premium to have no additional medical out of pocket costs for the year. Individuals would have to age into Medicare before January 1, 2020, to qualify for this plan.<\/strong><\/p><p><strong>The most popular plan now is Plan G.\u00a0 Think of G for \u201cGreat Value.\u201d This plan will cover most of the 20% of what Original Medicare does not cover, except for your annual Part B deductible.\u00a0<\/strong><\/p><p><strong>Plan N will cover all 20% except the Part B deductible.\u00a0 In addition, you will likely have some co-pays to see the doctor of $20 or $40 for urgent care.\u00a0 If you see a doctor that does not accept Medicare assignment, you could be subject to paying Part B excess charges.\u00a0 \u00a0These are doctors who don\u2019t agree to take the Medicare-approved amount as full payment.\u00a0\u00a0<\/strong><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-296382f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"296382f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-690e2dc\" data-id=\"690e2dc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1b7b78b contact-below elementor-widget elementor-widget-heading\" data-id=\"1b7b78b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Get a Free Quote<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7e1c90 elementor-widget elementor-widget-heading\" data-id=\"f7e1c90\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Have a conversation with one of our specialists<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cd91f6 elementor-button-align-end elementor-widget elementor-widget-form\" data-id=\"5cd91f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"New Form\" aria-label=\"New Form\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"300\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"5cd91f6\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"Health\" \/>\n\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"queried_id\" value=\"300\"\/>\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-25 elementor-md-50\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tFirst Name\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-md  elementor-field-textual\" placeholder=\"First Name\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_3 elementor-col-25 elementor-md-50\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_3\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tLast Name\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[field_3]\" id=\"form-field-field_3\" class=\"elementor-field elementor-size-md  elementor-field-textual\" placeholder=\"Last Name\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-25 elementor-md-50 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tEmail\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-md  elementor-field-textual\" placeholder=\"Email\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-tel elementor-field-group elementor-column elementor-field-group-field_1 elementor-col-25 elementor-md-50 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_1\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tPhone\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<input size=\"1\" type=\"tel\" name=\"form_fields[field_1]\" id=\"form-field-field_1\" class=\"elementor-field elementor-size-md  elementor-field-textual\" placeholder=\"Phone\" required=\"required\" pattern=\"[0-9()#&amp;+*-=.]+\" title=\"Only numbers and phone characters (#, -, *, etc) are accepted.\">\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_2 elementor-col-25 elementor-md-50 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_2\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tCity\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[field_2]\" id=\"form-field-field_2\" class=\"elementor-field elementor-size-md  elementor-field-textual\" placeholder=\"City\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-field_a98bef4 elementor-col-25 elementor-md-50 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_a98bef4\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tState\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[field_a98bef4]\" id=\"form-field-field_a98bef4\" class=\"elementor-field elementor-size-md  elementor-field-textual\" placeholder=\"State\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-field_db9e171 elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_db9e171\" class=\"elementor-field-label elementor-screen-only\">\n\t\t\t\t\t\t\t\tPersonal Note\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<textarea class=\"elementor-field-textual elementor-field  elementor-size-md\" name=\"form_fields[field_db9e171]\" id=\"form-field-field_db9e171\" rows=\"6\" placeholder=\"Personal Note\"><\/textarea>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-recaptcha elementor-field-group elementor-column elementor-field-group-field_f90ebcc elementor-col-100\">\n\t\t\t\t\t<div class=\"elementor-field\" id=\"form-field-field_f90ebcc\"><div class=\"elementor-g-recaptcha\" data-sitekey=\"6LcA2U4qAAAAAFIZiGnqPnKJ8lW_caucXNY2mNke\" data-type=\"v2_checkbox\" data-theme=\"light\" data-size=\"normal\"><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-md\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-long-arrow-alt-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M313.941 216H12c-6.627 0-12 5.373-12 12v56c0 6.627 5.373 12 12 12h301.941v46.059c0 21.382 25.851 32.09 40.971 16.971l86.059-86.059c9.373-9.373 9.373-24.569 0-33.941l-86.059-86.059c-15.119-15.119-40.971-4.411-40.971 16.971V216z\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Submit<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-fff290d e-grid e-con-boxed e-con e-parent\" data-id=\"fff290d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7224bc4 elementor-widget elementor-widget-text-editor\" data-id=\"7224bc4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>3188 Foxridge Ct.<br \/>Woodridge, IL 60517<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad6a6c4 elementor-widget elementor-widget-text-editor\" data-id=\"ad6a6c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Contact Us:<br \/>(561)285-4500<br \/>Denise@CoveringYou.com<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9afde6 elementor-widget elementor-widget-text-editor\" data-id=\"e9afde6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Copyright \u00a92024| Powered by Covering You<\/p><p><a href=\"\/privacy-policy\">Privacy Policy<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>561-285-4500 denise@coveringyou.com planning for the future. Medicare &amp; You. Understanding Medicare:What you need to know. Medicare is a health insurance program for:&#8211; People age 65 or older,&#8211; People under age 65 with certain disabilities, and&#8211; People of all ages with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant). Medicare is made [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"footnotes":""},"class_list":["post-300","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/coveringyou.com\/home\/wp-json\/wp\/v2\/pages\/300","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/coveringyou.com\/home\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/coveringyou.com\/home\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/coveringyou.com\/home\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/coveringyou.com\/home\/wp-json\/wp\/v2\/comments?post=300"}],"version-history":[{"count":90,"href":"https:\/\/coveringyou.com\/home\/wp-json\/wp\/v2\/pages\/300\/revisions"}],"predecessor-version":[{"id":1001,"href":"https:\/\/coveringyou.com\/home\/wp-json\/wp\/v2\/pages\/300\/revisions\/1001"}],"wp:attachment":[{"href":"https:\/\/coveringyou.com\/home\/wp-json\/wp\/v2\/media?parent=300"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}