Straus and Associates, Inc has been Medicare specialists since 1969. Our expertise and primary focus on Medicare health plans provide a positive experience to our clients and prospects. Through education, service, and plan choice to fit each individual's needs and budget.
Medicare choices for Oregonians can be complicated, confusing, and overwhelming. We recognize the importance of a comprehensive initial assessment as well as an annual review to adjust your coverage when and if your needs change. Our highly trained and licensed professionals stay up to date with the latest Medicare developments and plan changes to meet your lifestyle and budget.
While Medicare may be overwhelming, turning 65 and becoming Medicare eligible can be a smooth transition with the right assistance.
This depends on several factors:
Probably. There are a few things to consider as you look at Medicare and the VA:
For instance, many Medicare Advantage plans offer “zero premium” policies (that’s right, it will not cost you a penny!) if you access your medications through the VA. These zero premium plans will offer you access to civilian care without jumping through the referral process required by the VA. The VA is a fantastic option, and we can very easily enhance these benefits at little or no cost to you.
No. You can enroll onto Medicare and elect Social Security at a later date.
Medicare really encourages you to have a drug plan. If you have coverage through your employer or the VA, you may not need any additional coverage. Be aware, if you choose to go without prescription coverage, Medicare has a penalty for late enrollment.
However, there are some very affordable prescription plans that will satisfy this requirement without breaking the bank. We are happy to provide you with the available options.
Nothing, these terms are synonymous, and Medicare uses both terms interchangeably.
Both are very popular options, but it is an individual decision based on many factors (Are you a snowbird? Do you have VA coverage? Which physicians and clinics will you use?).
In a nutshell, Medicare Advantage plans have medical and prescription benefits rolled into one policy and typically have “extras” such as vision, dental, gym memberships and alternative care (acupuncture, chiropractic and naturopath). These premiums tend to be lower in exchange for copays as you seek medical services. These plans are often HMO’s so we need to make sure your physician is contracted accordingly.
Medigap policies have a small deductible and typically do not have copays for any services however the higher premiums reflect the benefit level. These policies do not include the “extras”. Medigap policies are medical only and would have to be paired with a prescription plan.
These plans are “apples and oranges” so we should review your specific needs to determine the best fit.
Yes. Every October 15th through December 7th we will assist you in reviewing your current plan. If warranted we can change your plan for the following year.
Maybe. Medicare plans vary state to state and even county to county. A simple change in your zip code will determine the plans available to you.