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Simplifying Medicare, Maximizing Benefits.
"Nielsen Medicare Advisors can help you navigate the complexities of Medicare with ease. With years of expertise, we provide personalized guidance to ensure you understand your coverage options and choose the plan that best fits your healthcare needs and budget. Whether you’re new to Medicare or looking to make changes, Nielsen Medicare Advisors are dedicated to offering clear, reliable advice so you can make informed decisions with confidence."
DAN NIELSEN, Nielsen Medicare Advisors
HOW WE CAN HELP YOU
We are here to guide you through the Medicare "maze," helping you select the coverage that aligns perfectly with your future needs. Our success is measured by helping you achieve two important goals: finding the coverage that best suits your needs and securing the most cost-effective benefits.
With extensive experience in the insurance industry, Dan Nielsen, founder of Nielsen Medicare Advisors, will guide you through Medicare Parts A, B, C, and D, ensuring you're up-to-date with annual changes and protected from late enrollment penalties. Simply put, we're here to help you make informed, timely healthcare decisions.
STEPS TO COVERAGE
The ideal time to connect with Social Security is 3 months before you reach 65 or, if you are 65 or older and stay on an employer-based health plan, connect with Social Security a few months before terminating your group health coverage. Your objective with Social Security is to confirm your entitlement for Part A of Medicare and to decide if applying for Part A and B at that time or later is appropriate. However, if prior to Age 65 you have started your Social Security income, you will automatically be enrolled in Parts A and B once you turn 65.
CONNECTING WITH
SOCIAL SECURITY
SIMPLIFYING MEDICARE
Connecting Social Security with Medicare is essential for those nearing retirement. Most people become eligible for Medicare at 65, either by receiving or being eligible for Social Security benefits. If you’re already receiving Social Security at 65, you’re usually automatically enrolled in Medicare Parts A and B.
However, if you delay Social Security, you'll need to sign up for Medicare yourself. Properly linking these benefits helps manage healthcare costs, avoid penalties, and ensure access to full benefits in retirement.
CREATING COVERAGE AROUND YOUR PRIORITIES
MAXIMIZING BENEFITS
Tailoring Medicare coverage to your needs involves assessing your healthcare and financial priorities. Identify what's most important, such as minimizing costs, keeping your preferred doctors, or covering prescriptions. If flexibility and nationwide coverage matter, consider Original Medicare with a Medigap plan. For convenience and coordinated care, a Medicare Advantage plan may be better.
Also, decide if you need separate prescription drug coverage through Part D or if it's included in your Medicare Advantage plan. Align your choices to ensure your Medicare plan supports your health and financial well-being.
ENROLLING IN YOUR PREFERRED MEDICARE PLAN
PEACE OF MIND
Enrolling in Medicare requires careful planning to secure the right coverage for your needs. Start by reviewing your options: Original Medicare (Parts A and B), Medicare Advantage (Part C), Medigap, and Prescription Drug Plans (Part D). Enroll during your Initial Enrollment Period, which begins three months before your 65th birthday and lasts seven months, to avoid penalties or coverage delays.
If you receive Social Security, you may be automatically enrolled in Original Medicare, but Medicare Advantage or Medigap requires extra steps. Use the Medicare website or an advisor to ensure a smooth enrollment process.
FOUR (4) MEDICARE OPTIONS
The benefits and risk levels of each option will play a key role in your Medicare coverage choice. Basic (or "Original") Medicare offers the least benefits and carries the highest level of financial risk. The other three coverage options provide more benefits and reduce your financial risk by shifting it to an insurance company, which requires a premium.
#1 BASIC ("ORIGINAL") MEDICARE
This plan offers a blend of in-patient hospital (Part A) and out-patient (Part B) medical benefits. However, both types of coverage come with annual deductibles and co-insurance that can lead to significant out-of-pocket expenses, without any upper limit. These potentially overwhelming costs could become financially burdensome, even bankrupting, if you do not take advantage of the additional three available Medicare coverages.
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Because most healthcare providers accept Medicare, this plan functions similarly to a fee-for-service model, allowing you to access care nationwide.
#2 MEDICARE SUPPLEMENT ("MEDIGAP")
A Medicare Supplement (Medigap) plan shifts the significant out-of-pocket expenses of Basic Medicare to a private insurance company. Similar to Basic Medicare, it allows you to receive care from any provider in the U.S. who accepts Medicare.
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This type of plan "wraps around" Basic Medicare benefits, helping to eliminate the deductibles and co-insurance that you would otherwise have to cover.
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Medicare has approved 10 standardized Medicare Supplement plan options, which are identical across all states, with the exception of Minnesota, Wisconsin & Massachusetts. Insurance companies sell these plans and determine premiums based on geographic regions.
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#3 MEDICARE ADVANTAGE
These plans, known as Medicare Part C, provide all the benefits of Basic Medicare and often include additional coverage. Many of these plans also offer prescription drug benefits, eliminating the need to purchase a separate Part D plan. In some regions, these comprehensive healthcare plans are even available with no monthly premium required (though you still need to pay any applicable Part A or Part B premiums)
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Unlike Medicare Supplement plans, Medicare Advantage Plans function as coordinated care plans, similar to HMOs. They offer medical services through a network of primary care doctors, specialists, and hospitals. Seniors typically choose these plans for their convenience, lower out-of-pocket costs, and the quality care provided by a preferred medical group.
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#4 PRESCRIPTION DRUGS
This coverage can be added to Basic Medicare or a Supplement Plan, but it's crucial to enroll on time. Delayed enrollment results in a lifetime late enrollment penalty, increasing your monthly costs. Similar to a Medigap plan, a prescription drug plan shifts the risk of significant future drug expenses to a private insurance company in exchange for a premium.
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If you have a Medicare Advantage plan that includes drug benefits, there’s no need to purchase separate drug coverage.
WHAT OUR CLIENTS ARE SAYING
Don't take our word for it. Take theirs.
I was overwhelmed with all the Medicare options, but Dan at Nielsen Medicare Advisors broke everything down for me in a way that made sense. He helped me choose the right plan, and I couldn’t be happier with the service. Highly recommend!
Jason S.
Mesquite, NV
Dan Nielsen’s expertise and personal approach made a world of difference when navigating Medicare. He answered all my questions and found a plan that covers everything I need at a price I can afford. I feel so much more secure in my healthcare choices now.
Jeffrey B.
Gardnerville, NV
​Working with Dan at Nielsen Medicare Advisors was a game-changer for me. He took the time to explain all the different parts of Medicare and helped me avoid any potential penalties. His knowledge and dedication made the process stress-free and straightforward.
Matthew L.
Las Vegas, NV
CONTACT US
Contact Nielsen Medicare Advisors to discover how we can simplify Medicare for you, guiding you through the process with expert advice and personalized support.
NIELSEN MEDICARE ADVISORS
1012 Majestic View
Mesquite, NV 89034
725-225-3875
