{"id":201,"date":"2017-06-08T16:13:33","date_gmt":"2017-06-08T20:13:33","guid":{"rendered":"https:\/\/focusseniorbenefits.com\/?page_id=201"},"modified":"2026-10-23T20:45:49","modified_gmt":"2026-10-24T00:45:49","slug":"new-to-medicare","status":"publish","type":"page","link":"https:\/\/focusseniorbenefits.com\/","title":{"rendered":"Demystify Medicare . . ."},"content":{"rendered":"\n\n\t<p>Focus Senior Benefits is here to help Medicare-eligible consumers gain a better understanding of the benefits and plans available to them.\u00a0 Clients who are looking for information, interpretation, and local market insight should submit the form below to be connected to a Focus Senior Benefit agent.<\/p>\n\t<a role=\"heading\" aria-level=\"2\"><button id=\"fl-accordion--button-0\" aria-controls=\"fl-accordion--content-0\" aria-expanded=\"true\" type=\"button\">Are You Eligible for Medicare?<i data-label-icon=\"fas fa-plus\" data-active-icon=\"fas fa-minus\">Collapse<\/i><\/button><\/a><h4><strong>Someone who is:<\/strong><\/h4>\n<p>A U.S citizen or legal resident for at least 5 consecutive years<\/p>\n<h4>And is one of the following:<\/h4>\n<ul>\n<li>Age 65 or older<\/li>\n<li>Younger than 65 with a qualifying disability<\/li>\n<li>Any age with a diagnosis of end-stage renal disease or ALS<\/li>\n<\/ul>\n<a role=\"heading\" aria-level=\"2\"><button id=\"fl-accordion--button-1\" aria-controls=\"fl-accordion--content-1\" aria-expanded=\"false\" type=\"button\">Medicare Part A and B<i data-label-icon=\"fas fa-plus\" data-active-icon=\"fas fa-minus\">Expand<\/i><\/button><\/a><p><em><strong>Medicare Part A (Hospital Insurance) covers:<\/strong> <\/em><\/p>\n<ul>\n<li>Inpatient hospital care<\/li>\n<li>Inpatient mental health care<\/li>\n<li>Skilled nursing services<\/li>\n<li>Hospice care<\/li>\n<li>Some blood transfusions<\/li>\n<\/ul>\nMedicare Part A is known as your basic Medicare coverage. Most people who stay with just Part A do not pay a monthly premium. Individuals can not be turned down because of their medical history or a pre-existing condition. However staying with only your basic Medicare options, individuals run the risk of paying out of pocket for some medical expenses. For example, stays of more than 60 days require a daily co-pay. Also, for those who like to travel, hospital care outside the U.S. isn&#8217;t usually covered.<br \/>\n\n<p><em><strong>Medicare Part B (Doctor and Outpatient visits) covers:<\/strong> <\/em><\/p>\n<ul>\n<li>Physician services<\/li>\n<li>Outpatient hospital services<\/li>\n<li>Ambulance<\/li>\n<li>Outpatient mental health<\/li>\n<li>Laboratory services<\/li>\n<li>Durable medical equipment (wheelchairs, oxygen, etc.)<\/li>\n<li>Outpatient physical, occupational and speech-language therapy<\/li>\n<li>Some preventive care<\/li>\n<\/ul>\n<p>Medicare Part B must be obtained in an individuals eligibility period.\u00a0 If an individual elects to wait until after their eligibility period to obtain Part B they will encounter a 10% penalty for as long as they have Part B.\u00a0 The monthly premium of Part B is determined by an individuals income. However, Part B offers no out-of-pocket maximum.<\/p>\n<p>Combining Medicare Part A and B does not fully cover everything you may need. For the additional costs individuals may opt to get one of the below plans.<\/p>\n<a role=\"heading\" aria-level=\"2\"><button id=\"fl-accordion--button-2\" aria-controls=\"fl-accordion--content-2\" aria-expanded=\"false\" type=\"button\">Medicare Advantage Plans and Prescription Drug Plans<i data-label-icon=\"fas fa-plus\" data-active-icon=\"fas fa-minus\">Expand<\/i><\/button><\/a><p><em><strong>Medicare Part C (Medicare Advantage Plans) covers:<\/strong> <\/em><\/p>\n<ul>\n<li>Combines Part A and Part B and, in many cases, includes prescription drug coverage<\/li>\n<li>Offered by private insurance companies<\/li>\n<li>Often include additional benefits like routine vision care, hearing, wellness services and nurse phone line support<\/li>\n<\/ul>\n<p>Part C brings the convenience over coverage to one single plan. Individuals who are covered with a Medicare Advantage Plan are often limited to a service area unless it is an emergency. This also means that you may be required to see doctors and hospitals that are included in your plan&#8217;s network.<\/p>\n<p><strong>Medicare Part C offers the following types of plans:<\/strong> <\/p>\n<p><em>Health Maintenance Organization (HMO) plans<\/em><\/p>\n<p><em>Preferred Provider Organization (PPO) plans<\/em><\/p>\n<p><em>Special Needs Plans (SNP)<\/em><\/p>\n<p><em>Health Maintenance Organization Point of Service (HMO-POS) plans<\/em><\/p>\n<p> <em><strong>Medicare Part D (Prescription Drug Plans) covers:<\/strong> <\/em><\/p>\n<p><a href=\"https:\/\/focusseniorbenefits.com\/wp-content\/uploads\/2017\/06\/Formulary-Tiers.png\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/focusseniorbenefits.com\/wp-content\/uploads\/2017\/06\/Formulary-Tiers.png\" alt=\"\" width=\"149\" height=\"162\" \/><\/a><\/p>\n<ul>\n<li>Helps with the cost of prescription drugs<\/li>\n<li>Only offered through private insurance companies<\/li>\n<li>You must continue to pay your Part B premium<\/li>\n<\/ul>\n<p>Prescription drugs are classified into a tier category. The lower the tier the less expensive the medication will be. Coverage for prescription drug plans will vary from plan to plan. Therefore, individuals obtaining prescription drug coverage should make sure their medications are covered prior to enrolling in a plan.<\/p>\n<a role=\"heading\" aria-level=\"2\"><button id=\"fl-accordion--button-3\" aria-controls=\"fl-accordion--content-3\" aria-expanded=\"false\" type=\"button\">Medicare Supplement Insurance Plans and Eligibility <i data-label-icon=\"fas fa-plus\" data-active-icon=\"fas fa-minus\">Expand<\/i><\/button><\/a><p><em><strong>Medicare Supplement Insurance Plans<\/strong><\/em><\/p>\n<ul>\n<li>Help cover some of what Medicare Parts A and B don&#8217;t<\/li>\n<li>Offered by private insurance companies<\/li>\n<li>Plans are named A, B, C, D, F, G, K, L, M, N, and a high\u2011deductible Plan F<\/li>\n<li>Benefits vary by plan<\/li>\n<li>Generally, the more comprehensive the coverage, the higher the premium<\/li>\n<li>Massachusetts, Minnesota and Wisconsin have different standardized plans than the other states<\/li>\n<\/ul>\n<p>Medicare Supplement Insurance Plans, also known as Medigap plans, help to fill the gaps that are not covered by traditional Medicare. Individuals have a monthly premium and coverage goes with you anywhere in the U.S. Those who are interest in a Medicare Supplement Insurance Plan must be enrolled in Medicare Parts A and B, reside in the state in which you are applying for coverage and be 65 or older (under 65 may obtain a plan with certain disabilities). Anyone who has end-stage renal disease may also apply for a Medicare Supplement Insurance Plan.<\/p>\n<a role=\"heading\" aria-level=\"2\"><button id=\"fl-accordion--button-4\" aria-controls=\"fl-accordion--content-4\" aria-expanded=\"false\" type=\"button\">Enrolling Into a Medicare Plan<i data-label-icon=\"fas fa-plus\" data-active-icon=\"fas fa-minus\">Expand<\/i><\/button><\/a><p>First, an individual needs to enroll in original Medicare, secondly they will need to decide on what additional coverage they may need. There are different enrollment periods throughout the year that help individuals sign up for a Medicare Plan.<\/p>\n<p><em><strong>Medicare Initial Enrollment Period (IEP):<\/strong><\/em><\/p>\n<p><a href=\"https:\/\/focusseniorbenefits.com\/wp-content\/uploads\/2017\/06\/T65-timeline-v3.png\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/focusseniorbenefits.com\/wp-content\/uploads\/2017\/06\/T65-timeline-v3-300x59.png\" alt=\"\" width=\"300\" height=\"59\" \/><\/a>This period is for individuals who are turning 65 and wish to sign up for Parts A, B, C and D. Individuals who are turning 65 will be eligible to enroll in the month of their birthday along with 3 months prior and 3 months after their birthday.<\/p>\n<p><em><strong>New to Medicare: Working Beyond 65:<\/strong> <\/em><\/p>\n<p>Not all individuals are ready to sign up for Medicare as soon as they turn 65. Some may still be working. In this instance an individual may be eligible for a Special Enrollment Period (SEP). The SEP may allow individuals to enroll in Parts A and B for up to eight months after the month their employment or employer health insurance ends, whichever happens first. It may also allow individuals to enroll in a Medicare Advantage plan or Prescription Drug plan up to two full months after the month their employment or employer health insurance ends, whichever happens first.<\/p>\n<p><em><strong>Medicare Supplement Open Enrollment:<\/strong><\/em><\/p>\n<p>This period lasts for 6 months and begins on the first day of the month in which an individual is both 65 or older and enrolled in Medicare Part B.<\/p>\n<p><em><strong>Medicare Open Enrollment Periods:<\/strong> <\/em><\/p>\n<p>Commonly referred to as Open Enrollment Period (OEP) or Annual Enrollment Period(AEP), this time happens between October 15th &#8211; December 7th. During this time those who have Medicare Advantage Plans are free to switch to another Medicare Advantage plan without any penalties.<\/p>\n<figure itemscope itemtype=\"https:\/\/schema.org\/ImageObject\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/focusseniorbenefits.com\/wp-content\/uploads\/2017\/06\/Senior-couple-standing-768x1805.png\" alt=\"Senior couple standing\" title=\"Senior couple standing\" onerror=\"this.style.display='none'\" loading=\"lazy\" \/>\n\t<\/figure>\n\t<strong>Now licensed in these states:<br \/>\nCA, DE, DC, FL, MD, MI, MS, NJ, NY, NC, OH, OK, PA, SC, TN, TX, VA, WV.<\/strong>\n\t<script>\nvar 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3.1.\"),o(),0))},initializeOnLoaded:function(o){gform.callIfLoaded(o)||(document.addEventListener(\"gform_main_scripts_loaded\",()=>{gform.scriptsLoaded=!0,gform.callIfLoaded(o)}),document.addEventListener(\"gform\/theme\/scripts_loaded\",()=>{gform.themeScriptsLoaded=!0,gform.callIfLoaded(o)}),window.addEventListener(\"DOMContentLoaded\",()=>{gform.domLoaded=!0,gform.callIfLoaded(o)}))},hooks:{action:{},filter:{}},addAction:function(o,r,e,t){gform.addHook(\"action\",o,r,e,t)},addFilter:function(o,r,e,t){gform.addHook(\"filter\",o,r,e,t)},doAction:function(o){gform.doHook(\"action\",o,arguments)},applyFilters:function(o){return gform.doHook(\"filter\",o,arguments)},removeAction:function(o,r){gform.removeHook(\"action\",o,r)},removeFilter:function(o,r,e){gform.removeHook(\"filter\",o,r,e)},addHook:function(o,r,e,t,n){null==gform.hooks[o][r]&&(gform.hooks[o][r]=[]);var d=gform.hooks[o][r];null==n&&(n=r+\"_\"+d.length),gform.hooks[o][r].push({tag:n,callable:e,priority:t=null==t?10:t})},doHook:function(r,o,e){var t;if(e=Array.prototype.slice.call(e,1),null!=gform.hooks[r][o]&&((o=gform.hooks[r][o]).sort(function(o,r){return o.priority-r.priority}),o.forEach(function(o){\"function\"!=typeof(t=o.callable)&&(t=window[t]),\"action\"==r?t.apply(null,e):e[0]=t.apply(null,e)})),\"filter\"==r)return e[0]},removeHook:function(o,r,t,n){var e;null!=gform.hooks[o][r]&&(e=(e=gform.hooks[o][r]).filter(function(o,r,e){return!!(null!=n&&n!=o.tag||null!=t&&t!=o.priority)}),gform.hooks[o][r]=e)}});\n<\/script>\n\n                <div class='gf_browser_gecko gform_wrapper gform_legacy_markup_wrapper gform-theme--no-framework' data-form-theme='legacy' data-form-index='0' id='gform_wrapper_1' ><div id='gf_1' class='gform_anchor' tabindex='-1'><\/div><form method='post' enctype='multipart\/form-data' target='gform_ajax_frame_1' id='gform_1'  action='\/index.php?rest_route=%2Fwp%2Fv2%2Fpages%2F201#gf_1' data-formid='1' novalidate>\n                        <div class='gform-body gform_body'><ul id='gform_fields_1' class='gform_fields top_label form_sublabel_above description_below validation_below' data-column-layout='fill'><li id=\"field_1_18\" class=\"gfield gfield--type-honeypot gform_validation_container field_sublabel_above gfield--has-description field_description_below field_validation_below gfield_visibility_visible\"><label id='gfield_label_1_18' class='gfield_label gform-field-label' for='input_1_18'><span class='gform-field-label__text'>URL<\/span><\/label><div class='ginput_container'><input name='input_18' id='input_1_18' type='text' value='' autocomplete='new-password'\/><\/div><div class='gfield_description' id='gfield_description_1_18'>This field is for validation purposes and should be left unchanged.<\/div><\/li><li id=\"field_1_1\" class=\"gfield gfield--type-name gfield_contains_required field_sublabel_above gfield--no-description field_description_below field_validation_below gfield_visibility_visible\" data-group-id=\"5907411e\" data-field-span=\"12\"><label id='gfield_label_1_1' class='gfield_label gform-field-label gfield_label_before_complex' ><span class='gform-field-label__text'>Name<\/span><span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_complex ginput_container ginput_container--name no_prefix has_first_name no_middle_name has_last_name no_suffix gf_name_has_2 ginput_container_name gform-grid-row' id='input_1_1'>\n                            \n                            <span id='input_1_1_3_container' class='name_first gform-grid-col gform-grid-col--size-auto' >\n                                                    <label for='input_1_1_3' id='input_1_1_3_label' class='gform-field-label gform-field-label--type-sub '>First<\/label>\n                                                    <input type='text' name='input_1.3' id='input_1_1_3' value=''   aria-required='true'     aria-labelledby=\"input_1_1_3_label gfield_label_1_1\"\/>\n                                                <\/span>\n                            \n                            <span id='input_1_1_6_container' class='name_last gform-grid-col gform-grid-col--size-auto' >\n                                                            <label for='input_1_1_6' id='input_1_1_6_label' class='gform-field-label gform-field-label--type-sub '>Last<\/label>\n                                                            <input type='text' name='input_1.6' id='input_1_1_6' value=''   aria-required='true'     \/>\n                                                        <\/span>\n                            \n                        <\/div><\/li><li id=\"field_1_12\" class=\"gfield gfield--type-radio gfield--type-choice gfield_contains_required field_sublabel_above gfield--no-description field_description_below field_validation_below gfield_visibility_visible gfield--choice-align-vertical\" data-group-id=\"0d9f95f6\" data-field-span=\"12\"><label id='gfield_label_1_12' class='gfield_label gform-field-label' ><span class='gform-field-label__text'>Are you Medicare eligible?<\/span><span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_radio'><ul class='gfield_radio' id='input_1_12'>\n\t\t\t<li class='gchoice gchoice_1_12_0'>\n\t\t\t\t<input name='input_12' type='radio' value='Yes'  id='choice_1_12_0'    \/>\n\t\t\t\t<label for='choice_1_12_0' id='label_1_12_0' class='gform-field-label gform-field-label--type-inline'>Yes<\/label>\n\t\t\t<\/li>\n\t\t\t<li class='gchoice gchoice_1_12_1'>\n\t\t\t\t<input name='input_12' type='radio' value='No'  id='choice_1_12_1'    \/>\n\t\t\t\t<label for='choice_1_12_1' id='label_1_12_1' class='gform-field-label gform-field-label--type-inline'>No<\/label>\n\t\t\t<\/li><\/ul><\/div><\/li><li id=\"field_1_4\" class=\"gfield gfield--type-phone gfield--phone-format-standard gfield--width-full gf_left_half gfield_contains_required field_sublabel_above gfield--no-description field_description_below field_validation_below gfield_visibility_visible\" data-group-id=\"445919c8\" data-field-span=\"12\"><label id='gfield_label_1_4' class='gfield_label gform-field-label' for='input_1_4'><span class='gform-field-label__text'>Phone<\/span><span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_phone'><input name='input_4' id='input_1_4' type='tel' value='' class='large'  placeholder='(999) 999-9999' aria-required=\"true\" aria-invalid=\"false\"   data-mask=\"(999) 999-9999\" \/><\/div><\/li><li id=\"field_1_16\" class=\"gfield gfield--type-email gfield--width-full field_sublabel_above gfield--no-description field_description_below field_validation_below gfield_visibility_visible\" data-group-id=\"9ae782d7\" data-field-span=\"12\"><label id='gfield_label_1_16' class='gfield_label gform-field-label' for='input_1_16'><span class='gform-field-label__text'>Email<\/span><\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_16' id='input_1_16' type='email' value='' class='large'     aria-invalid=\"false\"  \/>\n                        <\/div><\/li><li id=\"field_1_17\" class=\"gfield gfield--type-address gfield--width-full field_sublabel_above gfield--no-description field_description_below field_validation_below gfield_visibility_visible\" data-group-id=\"6f5511d3\" data-field-span=\"12\"><label id='gfield_label_1_17' class='gfield_label gform-field-label gfield_label_before_complex' ><span class='gform-field-label__text'>Address<\/span><\/label>    \n                    <div class='ginput_complex ginput_container has_street has_street2 has_city has_state has_zip has_country ginput_container_address gform-grid-row' id='input_1_17' >\n                         <span class='ginput_full address_line_1 ginput_address_line_1 gform-grid-col' id='input_1_17_1_container' >\n                                        <label for='input_1_17_1' id='input_1_17_1_label' class='gform-field-label gform-field-label--type-sub '>Street Address<\/label>\n                                        <input type='text' name='input_17.1' id='input_1_17_1' value=''    aria-required='false'    aria-labelledby=\"input_1_17_1_label gfield_label_1_17\"\/>\n                                   <\/span><span class='ginput_full address_line_2 ginput_address_line_2 gform-grid-col' id='input_1_17_2_container' >\n                                        <label for='input_1_17_2' id='input_1_17_2_label' class='gform-field-label gform-field-label--type-sub '>Address Line 2<\/label>\n                                        <input type='text' name='input_17.2' id='input_1_17_2' value=''     aria-required='false'   \/>\n                                    <\/span><span class='ginput_left address_city ginput_address_city gform-grid-col' id='input_1_17_3_container' >\n                                    <label for='input_1_17_3' id='input_1_17_3_label' class='gform-field-label gform-field-label--type-sub '>City<\/label>\n                                    <input type='text' name='input_17.3' id='input_1_17_3' value=''    aria-required='false'    \/>\n                                 <\/span><span class='ginput_right address_state ginput_address_state gform-grid-col' id='input_1_17_4_container' >\n                                        <label for='input_1_17_4' id='input_1_17_4_label' class='gform-field-label gform-field-label--type-sub '>State \/ Province \/ Region<\/label>\n                                        <input type='text' name='input_17.4' id='input_1_17_4' value=''      aria-required='false'    \/>\n                                      <\/span><span class='ginput_left address_zip ginput_address_zip gform-grid-col' id='input_1_17_5_container' >\n                                    <label for='input_1_17_5' id='input_1_17_5_label' class='gform-field-label gform-field-label--type-sub '>ZIP \/ Postal Code<\/label>\n                                    <input type='text' name='input_17.5' id='input_1_17_5' value=''    aria-required='false'    \/>\n                                <\/span><span class='ginput_right address_country ginput_address_country gform-grid-col' id='input_1_17_6_container' >\n                                        <label for='input_1_17_6' id='input_1_17_6_label' class='gform-field-label gform-field-label--type-sub '>Country<\/label>\n                                        <select name='input_17.6' id='input_1_17_6'   aria-required='false'    ><option value='' ><\/option><option value='AF' >Afghanistan<\/option><option value='AX' >\u00c5land Islands<\/option><option value='AL' >Albania<\/option><option value='DZ' >Algeria<\/option><option value='AS' >American Samoa<\/option><option value='AD' >Andorra<\/option><option value='AO' >Angola<\/option><option value='AI' >Anguilla<\/option><option value='AQ' >Antarctica<\/option><option value='AG' >Antigua and Barbuda<\/option><option value='AR' >Argentina<\/option><option value='AM' >Armenia<\/option><option value='AW' >Aruba<\/option><option value='AU' >Australia<\/option><option value='AT' >Austria<\/option><option value='AZ' >Azerbaijan<\/option><option value='BS' >Bahamas<\/option><option value='BH' >Bahrain<\/option><option value='BD' >Bangladesh<\/option><option value='BB' >Barbados<\/option><option value='BY' >Belarus<\/option><option value='BE' >Belgium<\/option><option value='BZ' >Belize<\/option><option value='BJ' >Benin<\/option><option value='BM' >Bermuda<\/option><option value='BT' >Bhutan<\/option><option value='BO' >Bolivia<\/option><option value='BQ' >Bonaire, Sint Eustatius and Saba<\/option><option value='BA' >Bosnia and Herzegovina<\/option><option value='BW' >Botswana<\/option><option value='BV' >Bouvet Island<\/option><option value='BR' >Brazil<\/option><option value='IO' >British Indian Ocean Territory<\/option><option value='BN' >Brunei Darussalam<\/option><option value='BG' >Bulgaria<\/option><option value='BF' >Burkina Faso<\/option><option value='BI' >Burundi<\/option><option value='CV' >Cabo Verde<\/option><option value='KH' >Cambodia<\/option><option value='CM' >Cameroon<\/option><option value='CA' >Canada<\/option><option value='KY' >Cayman Islands<\/option><option value='CF' >Central African Republic<\/option><option value='TD' >Chad<\/option><option value='CL' >Chile<\/option><option value='CN' >China<\/option><option value='CX' >Christmas Island<\/option><option value='CC' >Cocos Islands<\/option><option value='CO' >Colombia<\/option><option value='KM' >Comoros<\/option><option value='CG' >Congo<\/option><option value='CD' >Congo, Democratic Republic of the<\/option><option value='CK' >Cook Islands<\/option><option value='CR' >Costa Rica<\/option><option value='CI' >C\u00f4te d&#039;Ivoire<\/option><option value='HR' >Croatia<\/option><option value='CU' >Cuba<\/option><option value='CW' >Cura\u00e7ao<\/option><option value='CY' >Cyprus<\/option><option value='CZ' >Czechia<\/option><option value='DK' >Denmark<\/option><option value='DJ' >Djibouti<\/option><option value='DM' >Dominica<\/option><option value='DO' >Dominican Republic<\/option><option value='EC' >Ecuador<\/option><option value='EG' >Egypt<\/option><option value='SV' >El Salvador<\/option><option value='GQ' >Equatorial Guinea<\/option><option value='ER' >Eritrea<\/option><option value='EE' >Estonia<\/option><option value='SZ' >Eswatini<\/option><option value='ET' >Ethiopia<\/option><option value='FK' >Falkland Islands<\/option><option value='FO' >Faroe Islands<\/option><option value='FJ' >Fiji<\/option><option value='FI' >Finland<\/option><option value='FR' >France<\/option><option value='GF' >French Guiana<\/option><option value='PF' >French Polynesia<\/option><option value='TF' >French Southern Territories<\/option><option value='GA' >Gabon<\/option><option value='GM' >Gambia<\/option><option value='GE' >Georgia<\/option><option value='DE' >Germany<\/option><option value='GH' >Ghana<\/option><option value='GI' >Gibraltar<\/option><option value='GR' >Greece<\/option><option value='GL' >Greenland<\/option><option value='GD' >Grenada<\/option><option value='GP' >Guadeloupe<\/option><option value='GU' >Guam<\/option><option value='GT' >Guatemala<\/option><option value='GG' >Guernsey<\/option><option value='GN' >Guinea<\/option><option value='GW' >Guinea-Bissau<\/option><option value='GY' >Guyana<\/option><option value='HT' >Haiti<\/option><option value='HM' >Heard Island and McDonald Islands<\/option><option value='VA' >Holy See<\/option><option value='HN' >Honduras<\/option><option value='HK' >Hong Kong<\/option><option value='HU' 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target=\"_blank\" rel=\"noopener\">www.medicare.gov<\/a>\u00a0 |\u00a0 <a href=\"https:\/\/www.cms.gov\/\" target=\"_blank\" rel=\"noopener\">www.CMS.gov<\/a><\/p>\n\t<p>We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or <a href=\"tel:1-800-633-4227\">1-800-MEDICARE<\/a> to get information on all of your options.<\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>Focus Senior Benefits is here to help Medicare-eligible consumers gain a better understanding of the benefits and plans available to them.\u00a0 Clients who are looking for information, interpretation, and local market insight should submit the form below to be connected to a Focus Senior Benefit agent. Are You Eligible for Medicare?Collapse Someone who is: A [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"class_list":["post-201","page","type-page","status-publish","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Demystify Medicare . . . - Focus Senior Benefits, Inc.<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/focusseniorbenefits.com\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Demystify Medicare . . . - Focus Senior Benefits, Inc.\" \/>\n<meta property=\"og:description\" content=\"Focus Senior Benefits is here to help Medicare-eligible consumers gain a better understanding of the benefits and plans available to them.\u00a0 Clients who are looking for information, interpretation, and local market insight should submit the form below to be connected to a Focus Senior Benefit agent. 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