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Vital Coverage Group, LLC offers Medicare enrollment guidance for those new to Medicare at age 65 or later if leaving a qualifying employer plan. We also assist Medicare enrollees considering changeing plans (in some states). Email 'Medicare Jeff' at Jeff@VitalCoverageGroup.com 3-6 months before turning 65 or leaving an employer of 20 or more employees after age 65. Medicare 'Peace of Mind' Let Medicare Jeff of Vital Coverage Group Be Your Independent Medicare Enrollment Guide Hello, I am Jeff Tadie, an independent, licensed insurance agent and agency owner of Vital Coverage Group helping people understand and enroll in Medicare across the United States. As you near Medicare eligibility I would be pleased to discuss the important decisions you will make as you enter Medicare. I will help you navigate the maze and identify Medicare plan choices to fit you, your budget and lifestyle. My Medicare enrollment guidance and ongoing advocacy is 100% complimentary. I certify annually for well-known insurers including United Healthcare, Aetna, Humana & United American. READY TO START down the path to Medicare 'Peace of Mind'? 🤙 Call me at 703-579-7611 or e m ail Jeff@VitalCoverageGroup.com as y ou begin to consider Medicare and I will share a simplified road map to get you there. Licensed in CO, FL, MD, MI, NC, NY, SC, TX, VA, WI "Jeff has been amazing. Answered all my questions quickly and simply, making it easy to understand and make the right decision. He continues to be in touch and appreciate his willingness to continue to answer my stupid questions with humor and patience. A+++ Don't hesitate." ⭐️⭐️⭐️⭐️⭐️ (Barbara P.) Did you know there are 2 paths to "close the 20% gaps" in 'Original Medicare'? Your Medicare plan choice may become permanent insurance. Work with an independent professional to understand the differences before you enroll. 👉 Path 1: 'MEDICARE SUPPLEMENTS' / 'MEDIGAP' Medigap enrollment discussion topics: Steps to validate you earned & activated Part A Steps to register for Part B on 'your' correct date Choosing Medicare Supplement / Medigap Plans Choosing Prescription Drug / Part D Plans Typically, as you first become eligible for Medicare, you are guaranteed access to a Medigap plan. However, there are strict rules and qualifying for later entry or re-entry. Certain Medigap Plans offer benefits that some enrollees prefer (over Medicare Advantage): No networks, you can choose almost any Doctor No referrals may allow faster access to specialists Less 'step care' treatments, and less pre-approvals Substantial International non-emergency care No copays for Emergency Room or Drs Offices Very small 'out of pocket' amounts Very reduced 'cancer copays', if any 👉 Path 2: 'MEDICARE ADVANTAGE' / 'PART C' Medicare Advantage enrollment discussion topics: Steps to validate you earned & activated Part A Steps to register for Part B on 'your' correct date Choosing Medicare Advantage / MAPD Plans Typically, as you first become eligible for Medicare, you are guaranteed access to a Medicare Advantage plan. After a year on Medicare Advantage, you may have to remain on Medicare Advantage as there are strict rules and qualifying to transfer to a Medigap / Medicare Supplement plan. Already decided on an Advantage plan? You will be able browse plans in states I am licensed* in. If you are 100% sure of your Medicare Advantage Plan selection, you may enroll online during your enrollment period on my Medicare Advantage / Part C enrollment website at www.BrowseAndEnroll.com *Licensed: CO, FL, MD, MI, NC, NY, SC, TX, VA, WI Email me for other states. Medicare 101: Learn more ab out Medicare Supplement (Medigap) Plans, Medicare Advantage Plans and Prescription Drug Plans. Medicare Supplement Plans (Medigap) Protection From Gaps in Orig. Medicare A & B Medicare Supplement (or Medigap) plans provide insurance coverage for the 20% expense "gaps" that 'Original Medicare' Parts A & B do not cover, including deductibles. co-payments and co-insurance. Qualifications You must qualify for the Part A of 'Original Medicare' (ask Jeff) and be enrolled for Part B and pay the Part B monthly premium, including any Income Related Monthly Adjustment Amount (IRMAA) increase. Any Doctor, No Networks, No Referrals Needed With a Medicare Supplement plan, you can utilize any doctor / provider that accepts Medicare. No referrals are needed as long as you utilize a doctor or provider that accepts Medicare (which is the vast majority of doctors and providers). Portable Coverage, Accepted Anywhere Medicare Supplement plans cover the entire United States and you can rely on uninterrupted coverage when you travel or relocate. Specialty / Premier Medical Facility Acceptance Google says "Johns Hopkins Medicine hospitals and most Johns Hopkins University physicians generally accept Original Medicare, but they do not have contracts with most Medicare Advantage Plans." Robust International Coverage Medicare Supplement plan also substantial insurance coverage if you travel internationally, and not just for emergency-related medical services. 🤙 Contact Jeff 'Medicare Advantage' Plans (Part C) Medicare Advantage Plans An alternative privatized version of Medicare coverage where Medicare-approved insurance carriers are paid a fee by the Centers for Medicare and Medicaid Services (CMS) to provide a package of healthcare and related services following guidelines set by Medicare. Medicare Advantage plans are often called "Part C" of Medicare (or "MA" or "Advantage" plans). Qualifications You must qualify for the Part A of 'Original Medicare' (ask Jeff) and be enrolled for Part B and pay the Part B monthly premium, including any Income Related Monthly Adjustment Amount (IRMAA) increase. Low Monthly Premiums Medicare Advantage plans may offer low monthly premiums. They typically offer prescription drug coverage, and may include added benefits such as vision exams, dental cleanings, and more. Provider Networks May Be Limiting In many cases, you’ll need to use health care providers who participate in the plan’s network and service area for the lowest plan costs. These plans set a Maximum Out Of Pocket (MOOP) each year for covered services, to help reduce your overall expense, however an annual MOOP can be $7500+ Plus, Google says "For cancer-related services under Medicare Advantage, you will typically pay a copay, which is a fixed amount, or a coinsurance, which is a percentage of the total cost, for each service. Many plans require a coinsurance of 20% for cancer treatments, such as chemotherapy and radiation, until you reach the plan's out-of-pocket maximum. Once you reach the maximum, the plan will pay 100% of your covered costs for the remainder "of the year. 🤙 Contact Jeff Adding a Prescription Drug Plan (Part D) Medicare Part D Prescription Drugs Medicare Part D covers the cost of many prescription drugs. You'll secure Part D coverage through private insurance companies (who partner with Medicare), and the formulary of prescription drugs that your plan covers will vary by provider within overall guidelines set by Medicare. Brand-Name and Generic Most Part D plans provide both brand-name and generic prescription drug coverage. At a minimum, every provider must cover 2 options within the most common drug categories, meaning that Plan D will provide drug coverage for the majority of conditions. 2 Ways to Access Part D / Prescription Drug Plans 1) You can choose from a variety of Part D offerings from leading insurance companies that may cover the majority of your prescription costs each year. 1) A Part D plan is typically added to a Medicare Supplement plan. Part D plans typically have a modest monthly premium and an annual MOOP (maximum out of pocket) of $2000 as of 2025. 2) The second way to have prescription drug coverage is a Medicare Advantage plan which bundles in prescription drug coverage (an MAPD plan). Consumers should confirm any MAPD plan they consider has their required or anticipated prescriptions. A n annual MOOP (maximum out of pocket) of $2000 typically applies as of 2025. 🤙 Contact Jeff About Hi, thanks for visiting our website, I hope you find it useful as you approach your entry into the Medicare program. If you can, please reach out to me 3-4 months before you'd like to join Medicare -- you may have some "homework" to do in advance so we can ensure your seamless enrollment. I enjoy helping people evaluate Medicare insurance plan coverage and navigate how to enroll in Medicare. It can be very confusing and even more complex if you work past 65, have been a 'stay at home' spouse, etc. I am licensed to help in many states, but if I'm not able to support you directly, I can usually refer you to qualified independent professionals in other areas. I currently reside near Washington DC and support clients across the country from here via phone calls, texts & emails. My early career included business roles in large companies (AOL, AT&T) and a variety of roles in startups, media companies and real estate. Looks like I saved the best for last! I look forward to assisting you. 🤙 Call me at 703-579-7611 or email me at Jeff@VitalCoverageGroup.com

"Medicare Jeff" (aka as Jeff Tadie) is an independent licensed professional supporting Medicare insurance enrollees in a growing list of state in including Colorado, Florida, Maryland, Michigan, North Carolina, New York, South Carolina, Texas, Virginia and Wisconsin. Save 703-579-7611 in your cell as Medicare Jeff. About Hi, thanks for visiting my website, I hope you find it useful as you approach your entry into the Medicare program. If you can, please reach out to me 3-4 months before you'd like to join Medicare -- you may have some "homework" to do in advance so we can ensure your seamless enrollment. I enjoy helping people evaluate Medicare insurance plan coverage and navigate how to enroll in Medicare. It can be very confusing and even more complex if you work past 65, have been a 'stay at home' spouse, etc. I am licensed to help in many states, but if I'm not able to support you directly, I can usually refer you to qualified independent professionals in other areas. I currently reside near Washington DC and support clients across the country from here via phone calls, texts & emails. My early career included business roles in large companies (AOL, AT&T) and a variety of roles in startups, media companies and real estate. Looks like I saved the best for last! I look forward to assisting you. 🤙 Call me at 703-579-7611 or email me at Jeff@VitalCoverageGroup.com PRIVACY POLICY AND CONTACT CONSENT Vital Coverage Group, LLC and Jeff Tadie (aka Medicare Jeff) This privacy policy is designed to comply with Centers for Medicare & Medicaid Services (CMS) requirements for "Permission to Contact," Scope of Appointment (SOA), and call recording requirements, as well as other applicable regulations.CMS Compliance Statement - The communication practices outlined in this policy are designed to comply with CMS Medicare marketing guidelines, including but not limited to requirements for Permission to Contact (PTC), Scope of Appointment (SOA) documentation, and recorded line disclosures. Contact Consent (Permission to Contact) - By providing your contact information to Vital Coverage Group, LLC and/or Jeff Tadie (aka Medicare Jeff), you expressly consent to be contacted regarding Medicare plans and related services. This constitutes your "Permission to Contact" as defined by CMS guidelines. Regardless of any previous opt-in or opt-out decisions regarding telemarketing calls or SMS messages, you expressly consent to be contacted by Vital Coverage Group, LLC, Jeff Tadie, our agents, representatives, affiliates, or anyone acting on our behalf for all purposes related to your Medicare inquiry, client relations, and/or account. Scope of Appointment (SOA) - You understand that prior to any one-on-one marketing appointment, a Scope of Appointment form may need to be signed. This document will outline the products that will be discussed during the appointment, which may include Medicare Advantage Plans (Part C), Prescription Drug Plans (Part D), and Medicare Supplement (Medigap) policies. Vital Coverage Group, LLC and Jeff Tadie adhere to all CMS requirements regarding SOA documentation and retention for discussions involving all Medicare product types. Medicare Products Discussed - You acknowledge that Jeff Tadie and Vital Coverage Group, LLC may discuss various Medicare-related products with you, including but not limited to: Medicare Supplement (Medigap) policies. Medicare Advantage Plans (Part C), Medicare Prescription Drug Plans (Part D), and other Medicare-related insurance products and services. Communication Methods - You agree that we may contact you through: SMS messages (including text messages), Calls using prerecorded messages or artificial voice, Calls and messages delivered using auto telephone dialing systems, Automatic texting systems, Traditional voice calls, and Email communications. Call Recording Notification - In compliance with CMS requirements and applicable state laws, calls with our representatives may be recorded or monitored. We will provide appropriate notification at the beginning of calls when recording is taking place. These recordings may be used for quality assurance, training purposes, and to maintain accurate records of our communications as required by CMS regulations. Your Responsibility - You certify that the telephone numbers you provide are your correct contact numbers and that you are permitted to receive calls at each number. You agree to promptly notify us when you stop using a particular telephone number.ChargesYour cellular or mobile telephone provider will charge you according to your plan type for any messages or calls received. Limitation of Liability - Vital Coverage Group, LLC and Jeff Tadie (aka Medicare Jeff) shall not be held liable for any damages or issues arising from these communication practices when conducted in accordance with this policy, CMS guidelines, and applicable laws. By providing your contact information, you waive any claims against Vital Coverage Group, LLC and Jeff Tadie related to permitted communications as outlined in this policy. Policy Changes - Vital Coverage Group, LLC reserves the right to modify this policy at any time. Changes will be effective upon posting to our website or other reasonable notification. Last Updated: April 30, 2025

Medicare Buzz is a curated collection of Medicare industry news and events that may affect the Medicare program and how services may be delivered to new and existing Medicare beneficiaries. We summarize or excerpt selected news stories related to Medicare in just a few sentences and always provide a link to our source article for the full news. We hope you find Medicare Buzz to be useful! Thanks, 'Medicare Jeff' Jeff Tadie, Principal Agent & Agency Owner, Vital Coverage Group, LLC, Jeff@VitalCoverageGroup.com Get a Package You Didn’t Order? It Could Be Medicare Fraud - A few weeks ago, Patrick Nahass received a package that he never ordered. He had to sign for it when it was delivered to his home. When the retired firefighter opened it, he was confused by the contents. “It’s just straps,” he said. “There’s no instructions or anything.” “I’m thinking this must be a scam or something,” Nahass said. He’s onto something. “There are billions of dollars that Medicare spends every year on Medicare fraud,” Dana Marie Kennedy, the Arizona state director for AARP, told On Your Side. Watch and read more here . Medicare Advantage’s ‘Secretive Maze’ Of Costly Marketing & Incentives Needs An Overhaul, Senate Report - The “secretive maze of marketing and enrollment incentives” surrounding Medicare Advantage costs taxpayers extra money and needs an overhaul, according to a new Senate report. The report by Sen. Ron Wyden, the ranking Democrat on the Senate Finance Committee, calls for reforms on the marketing practices of Medicare Advantage, or MA, which is the private-plan alternative to traditional Medicare that serves more than half of the Medicare market. Read more .

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