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Silverthorn Insurance Group

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Questions? Call us now: (603) 525-7348
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ConditionsGet a Quote
Medicare Coverage
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is Medicare Supplement (Medigap) Insurance?Part D Prescription Drug PlansAre You
Eligible for Medicare?Different Types of Medicare Advantage PlansCompare
Medicare Supplement plans side by side
Under 65 Health
Understanding Your Health Insurance OptionsHealth Insurance Plans Available on
the MarketplaceEssential Health BenefitsSummary of Benefits and
CoveragePreventive health services for adultsShort-Term Medical Insurance –
Temporary CoveragePre-65 Health Care InsuranceHealth Savings
AccountsUnderstanding the Affordable Care Act
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BenefitsWhat is Universal Life Insurance?Taking the Confusion Out of Linked
BenefitsLife Insurance Policies and Cash ValueHow Much Life Insurance Is
Enough?Difference between Simplified Issue Life Insurance and Guaranteed Issue
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Help Avoid SurprisesWhat is Long Term Care Insurance?NOW is The Time for Long
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Long Term Care Insurance
Blog

WELCOME TO SILVERTHORN INSURANCE GROUP WHERE WE PRIDE OURSELVES IN GUIDING
CLIENTS THROUGH THE COMPLEXITIES OF INSURANCE WITH A FOCUS ON CLARITY AND
PERSONALIZATION. OUR APPROACH IS SIMPLE: UNDERSTAND YOUR SPECIFIC NEEDS, AND
THEN TAILOR A SOLUTION THAT PROVIDES THE OPTIMAL COVERAGE AND VALUE.

Review Your Insurance Options

PERSONALIZED INSURANCE PLANS FOR EVERY NEED

We recognize that your needs and situation are unique. We spend the time to get
to know you to make sure that you get coverage and support that fits your
lifestyle.

MEDICARE ADVANTAGE

Medicare Advantage plans are new health care options that are part of the
Medicare program. Coverage may include Medicare Part D prescription drug
coverage as well as hospital, doctor, skilled nursing, and other medical
services.

Learn More

MEDICARE SUPPLEMENT

A Medicare Supplement (Medigap) insurance, sold by private companies, can help
pay some of the health care costs that Original Medicare doesn't cover, like
copayments, coinsurance, and deductibles.

Learn More

MEDICARE PART D

Medicare Part D is the federal government's prescription drug program that
covers both brand-name and generic prescription drugs at participating
pharmacies in your area.

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INDIVIDUAL HEALTH INSURANCE

No one plans to get sick or hurt, but most people need medical care at some
point. Health insurance covers these costs and protects you from very high
expenses.

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LIFE INSURANCE

Life insurance coverage can be relatively easy to comparison shop. It simply
covers you in the event that you die before the end of the term for which you
are covered.

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DENTAL INSURANCE

Proper dental care can be an important component of our well being. Dental
coverage of some kind can help you ensure the health of your teeth and gums.

Learn More

COMPARE YOUR
INSURANCE PLAN COSTS

Our team of insurance specialists has helped hundreds of people with their
insurance options. Now we're here to help you.

Schedule An Appointment

ABOUT SILVERTHORN INSURANCE GROUP

YOUR TRUSTED INSURANCE PROFESSIONALS:

At Silverthorn Insurance Group, integrity, respect, and commitment to our
customers form the cornerstone of our business philosophy. Our mission is to
deliver peace of mind through expert guidance, reliable service, and a steadfast
promise to always prioritize your best interests. With a focus on transparency
and trust, we strive to build lasting relationships with our clients based on
mutual respect and integrity. Discover the Silverthorn difference and experience
insurance with a personal touch.

STILL HAVE QUESTIONS? WE CAN HELP

OUR FAQ'S:

DO I NEED TO ENROLL INTO MEDICARE WHEN I TURN 65?

* Some people may delay enrolling in Medicare without facing penalties if they
have health coverage through an employer or union. This is typically referred
to as having creditable coverage.
* If you delay enrollment, you will need to enroll during a Special Enrollment
Period (SEP) when your employer or union coverage ends.
* If you do not enroll in Medicare Part B during your Initial Enrollment Period
and do not have other creditable health coverage, you may have to pay a late
enrollment penalty. This penalty results in a higher premium for as long as
you have Medicare Part B.

To ensure you have Medicare coverage when you turn 65 and to avoid potential
penalties, it's important to understand your enrollment options and deadlines.

WILL I AUTOMATICALLY BE ENROLLED IN MEDICARE WHEN I TURN 65?

If you are already receiving Social Security retirement benefits or Railroad
Retirement Board benefits when you turn 65, you will be automatically enrolled
in Medicare Parts A (hospital insurance) and B (medical insurance) starting the
first day of the month you turn 65.
If you are not receiving Social Security benefits when you turn 65 (for example,
because you are still working), you will not be automatically enrolled. You will
need to manually enroll in Medicare during your Initial Enrollment Period (IEP).
This is a seven-month period that begins three months before the month you turn
65, the month you turn 65 and ends three months after the month you turn 65.
It's during this period that you can sign up for Medicare if you're not
automatically enrolled.

HOW IS MY MEDICARE PART B PREMIUM DETERMINED?

The Medicare Part B premium is determined based on your modified adjusted gross
income from two years ago. The process involves both a standard premium amount
and an income-related adjustment for higher-income beneficiaries:
1. Standard Premium: The standard Medicare Part B premium is set annually by
the Centers for Medicare & Medicaid Services (CMS). This amount can vary
from year to year and is typically announced in the fall for the following
calendar year. For example, the standard Part B premium for 2024 is set at a
certain amount.
2. Income-Related Monthly Adjustment Amount (IRMAA): If your modified adjusted
gross income (MAGI) from two years ago exceeds a certain threshold, you may
have to pay an Income-Related Monthly Adjustment Amount (IRMAA) in addition
to the standard Part B premium. The threshold amounts for IRMAA are based on
your filing status (single, married filing jointly, etc.) and are adjusted
annually and can be found here:
1. https://www.cms.gov/newsroom/fact-sheets/2024-medicare-parts-b-premiums-and-deductibles

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www.silverthorninsurancegroup.com Open in urlscan Pro 44.205.95.147 Public Scan

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www.silverthorninsurancegroup.com Open in urlscan Pro
44.205.95.147 Public Scan

Form analysis
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