<html><head><meta http-equiv="content-type" content="text/html; charset=utf-8"></head><body style="overflow-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;"><p style="margin: 0px; font-stretch: normal; line-height: normal;"><b><font face="AvenirNext-Regular">Did you know that at age 65 you\u2019re required to enroll with Medicare or face penalties\u2026 indefinitely?</font></b></p><p style="margin: 0px; font-stretch: normal; line-height: normal;"><b><font face="AvenirNext-Regular"><br></font></b></p><p style="margin: 0px; font-stretch: normal; line-height: normal;"><font face="AvenirNext-Regular">Thanks to <i><b>Ben & Caitlyn,</b></i> everyone on today\u2019s Medicare related Business Seminar does!</font></p><p style="margin: 0px; font-stretch: normal; line-height: normal; min-height: 13.1px;"><font face="AvenirNext-Regular"><br></font></p><p style="margin: 0px; font-stretch: normal; line-height: normal; min-height: 13.1px;"><u><font face="AvenirNext-Regular">Ben and Caitlyn covered so much! Some of the highlights:</font></u></p><p style="margin: 0px; font-stretch: normal; line-height: normal; min-height: 13.1px;"><span style="font-family: AvenirNext-Regular;"><br></span></p><p style="margin: 0px; font-stretch: normal; line-height: normal; min-height: 13.1px;"><ul class="MailOutline"><li><span style="font-family: AvenirNext-Regular;">Who is eligible and the differences between Medicare Part A, B, C & D.</span></li><li><span style="font-family: AvenirNext-Regular;">Differences between Original Medicare vs. Medicare Advantage and uses for Medigap.</span></li></ul></p><p style="margin: 0px; font-stretch: normal; line-height: normal;"><ul class="MailOutline"><li><b style="font-family: AvenirNext-Regular;"> IRMA</b><span style="font-family: AvenirNext-Regular;"> - No, its not a hurricane even though enrolling in Medicare may feel that way. IRMA is Income Related Monthly Adjustment Amounts, which is a surcharge in addition to your part B & D premiums with a 2 year look back period. They discussed the 60 day period in which you can ask for limited appeals.</span></li></ul></p><p style="margin: 0px; font-stretch: normal; line-height: normal; min-height: 13.1px;"><font face="AvenirNext-Regular"><br></font></p><p style="margin: 0px; font-stretch: normal; line-height: normal;"><u><font face="AvenirNext-Regular">Things to consider in your Medicare plan analysis:</font></u></p><p style="margin: 0px; font-stretch: normal; line-height: normal; min-height: 13.1px;"><font face="AvenirNext-Regular"><br></font></p><p style="margin: 0px; font-stretch: normal; line-height: normal;"><ul class="MailOutline"><li><span style="font-family: AvenirNext-Regular;">Are you on any costly monthly maintenance drugs?</span></li><li><span style="font-family: AvenirNext-Regular;">Does your employer offer any \u201cCredible Coverage\u201d?</span></li><li><span style="font-family: AvenirNext-Regular;">Will Medicare be your primary or secondary coverage?</span></li><li><span style="font-family: AvenirNext-Regular;">Coverage benefits per plan vs Hospital and Nursing home benefits - depending on which services you might need, which will result in more out of pocket costs for you.</span></li></ul></p><p style="margin: 0px; font-stretch: normal; line-height: normal; min-height: 13.1px;"><font face="AvenirNext-Regular"><br></font></p><p style="margin: 0px; font-stretch: normal; line-height: normal;"><font face="AvenirNext-Regular"><u>Two great resources to help you navigate Medicare Enrollment:</u></font></p><p style="margin: 0px; font-stretch: normal; line-height: normal; min-height: 13.1px;"><font face="AvenirNext-Regular"><br></font></p><p style="margin: 0px; font-stretch: normal; line-height: normal;"><font face="AvenirNext-Regular"><font color="#954f72"><a href="http://medicare.gov">medicare.gov</a></font> Plan Finder </font></p><p style="margin: 0px; font-stretch: normal; line-height: normal;"><font face="AvenirNext-Regular">NY SHIP for local help (New York State Healthcare Insurance Assistance Program)</font></p><p style="margin: 0px; font-stretch: normal; line-height: normal;"><a href="https://www.shiphelp.org/about-medicare/regional-ship-location/new-york">https://www.shiphelp.org/about-medicare/regional-ship-location/new-york</a></p><div><br></div><div style="text-align: center;"><font face="AvenirNext-Regular"><b>Just an FYI Medicare Enrollment Period Is Oct 15th - Dec 7th.</b></font></div><div><br></div><div style="text-align: center;"><font face="AvenirNext-Regular"><br></font></div><div style="text-align: center;"><font face="AvenirNext-Regular">Please reach out to Ben Gheizhals or Caitlyn Ryan with any direct questions!</font></div><div><br></div><div><br></div><div><br></div><div>
<meta charset="UTF-8"><div>Regards, </div><div><br></div><div>Rosalia Ruberto</div><div>Administrative Coordinator</div><div>Gotham Networking</div><div>rosalia@gothamnetworking.com</div><div><br></div><br class="Apple-interchange-newline">
</div>
<br></body></html>