Medicare Plan Options

Medicare Made Easier

#1  How To Enroll in Medicare Part A & B:
Turning 65?   Your  Initial Enrollment Period begins 3 months before your 65th birthday and ends 3 months after your birthday.  Your effective date will be the 1st of the month of your 65th birthday.

#2  How to enroll in Medicare Part A & B:

*  Online at www.SocialSecurity.gov

*  Call Social Security at:  1-800-772-1213

*  Your local Social Security office


#3  What does Medicare A & B cover?

Medicare Part A
Hospital insurance partially covers inpatient hospital stays, skilled nursing facility, hospice, and home health care.  


Medicare Part B
Medical insurance partially covers doctor visits, outpatient care, medical supplies and preventive services.


#4  Does Medicare A & B cover everything?

No, there are out of pocket costs that  include deductibles and coinsurance for hospital and medical services.  Prescription costs are not covered by A & B.   To help with those out of pocket expenses you can enroll in either a Medicare supplement plan and Part D prescription or a Medicare health plan,  MAPD, also known as Part C.  


supplements, mapd, part d prescription Contact KBenefits for Medicare Quotes!

Enroll in Medicare A & B.
Then enroll in:

Option #1

Enroll in Medicare A & B.
Then enroll in:

Option #2

Medicare Supplement

  • Larger network of doctors and hospitals
  • Accepted by most hospitals and doctors in America
  • Higher premium
  • Minimal out of pocket costs when using services
  • No Referrals
  • Offered by private carriers


Medicare Part D:
Prescription Coverage

  • Covers prescriptions
  • Offered by private carriers
  • Annual Open Enrollment

Medicare Advantage Part C

  • Smaller network of doctors and hospitals
  • Networks may be limited to state or regional access
  • Lower monthly premium
  • Higher out of pocket costs when using services
  • Usually covers prescriptions
  • Additional benefits included
  • Offered by private carriers
  • Annual Open Enrollment
Medicare: Choosing a Medigap Policy
2019-medigap cms.pdf
Adobe Acrobat document [856.4 KB]
  • Link to Medicare.gov - click
  • Link to Social Security Administration - click
  • Link to Centers for Medicare & Medicare Services - click

Visit:  Medicare-NJ.com for more information.

How Can We Help?   Request A Quote:
Speak to a licensed medicare agent.
Call 732-333-1976,  chris@kbenefits.com (or) use the online form below


Your form message has been successfully sent.

You have entered the following data:

Please correct your input in the following fields:
Error while sending the form. Please try again later.

Note: Fields marked with * are required

KBenefits, LLC
Christopher S. Kudryk
Call:  732-333-1976
Fax:   732-444-5971



Chris Kudryk
NPN: #7990501


KBenefits provides insurance solutions for small business owners and individuals in NJ & NY.  Contact KBenefits today and see how we can benefit you.

Thank you for your referral!
Referrals are the cornerstone of our business.  Let us know if we can be of further assistance to you or someone you know.  Glad to be of service

Pet Insurance

Print Print | Sitemap
2011 KBenefits LLC