Need FREE Medicare Savings Help? Contact US.

Medicare Savings is a free retiree resource for U.S. Medicare and Medicare-Medicaid beneficiaries, Veterans, U.S. employers, benefits administrators, retiree associations, financial advisors and healthcare professionals to help their community with Medicare insurance products for their community. Free over-the-phone or virtual service for all 50 states. Our mission is to help Americans with their Medicare Savings.

Talk with Michael C. Fischbach about our Free services to your Medicare communities. Call 1-888-608-0654(MEDICARESAVINGS) to setup an appointment.

Are You New to Medicare Savings?
Your Free & Easy SAVINGS resource for qualified beneficiaries.

Medicare Savings Services are available 12-months out of the year for U.S. Retirees. Help us to Help you Here. Beneficiaries do NOT shop their premiums or Medicare insurance coverages annually. Duration of Coverage adversely affects all Healthcare insurance premiums over time. Billions of hard earned retirement dollars go out of your pocket to the insurers that are paid handsomely by the government on individual and group Medicare insurance companies.

We Make It EASY For You To Shop for Annual Savings.
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Reduce Medicare Premiums or Cost-Sharing, if Qualified)

Medicare Has Rules & Costly Pitfalls You will want to AVOID! We help beneficiaries Shop for coverage that suits your Medicare situation.
Call 1-888-608-0654(Medicare Savings). We help retirees and the baby boomer generation SAVE $1000's in retirement dollars.

TOP MEDICARE SAVINGS TIPS: Up to 98% of Beneficiaries do NOT shop their coverages annually! Duration of Coverage Adversely Affects Premiums.

  1. Avoid COSTLY late enrollment penalties for Medicare Part B(Medical) & Part D(Drug) by planning at least 6 months ahead.

  2. Shop for market value Medigap Insurance Rates or qualify to Lower down your Premium. 98% of Consumers Overpay from $30-$250+ per month because folks do NOT shop their plan rate.

  3. Shop for the right Part D drug plan. Consumers Overpay from $10$-&70 per month. Shop for Savings during AEP(Oct 15-Dec 7)

  4. Shop to protect your Personal Savings or Protect from COSTLY Hospital/Outpatient bills. There are COSTLY gaps on Medicare Advantage Plans(MAPD) ranging from $4,500 - $11,000 in maximum-out-of-pocket(MOOP) risks. There are COSTLY gaps on Original Medicare(A&B) like the $1400+ hospital deductible & the 20% limitless Part B coinsurance gap for outpatient surgeries(e.g. $32K back surgery, $100K Chemo Treatments, Hip replacements . . .)

  5. Reduce your Medicare Part B premium, if eligible due to reduction to income or qualify for low-income subsidy.

Consumers that Apply for Medicare are eligible to become Medicare Savings Members

Healthcare insurance always goes up. Check our marketplace RATES anytime for Medicare Insurance Options.

U.S. Employers Protect Your Retirees with our FREE service.

Call 1-888-608-0654 Contact us To Help your Retirees/Retired Employees

SAVE Retirement Dollars!

Are you New-To-Medicare?

There are 2 main ways to choose your Medicare Path(pg 5-6) for your healthcare insurance. There are BIG differences in claims payment of your hospital and medical bills(EOB's) when choosing your Medicare path. It is your right to choose wisely but there are pitfalls & Costly Medicare mistakes you will want to avoid on either choice. Learn more

  1. Original Medicare(Part A&B) is the largest "Primary Insurance" Payor in the U.S. This is known as Fee For Service(FFS) claims payment model. Original Medicare(aka Traditional Medicare) has been offering primary insurance since 1966 to 100's of millions of beneficiaries for 54+ years. This is the most robust national fee-for-service health insurance program. Nationwide health care providers and hospitals acceptance as "Primary Insurance". U.S. health care providers that accept "assignment" have the authority to provide you the medical services and supplies you need. Direct patient and provider relationship with the benefit of timely claims billing & payment( Properly coded & billed medical services & supplies to the Centers of Medicare and Medicaid Services(CMS) and claims payment by a regional Medicare Administrative Contrator(MAC).

  2. Medicare Advantage(Part C) is the optional alternative to Original Medicare. All-in-one private healthcare insurance plan which many bundle Part A & B services and/or include Part D(Drug) coverage. Many are attracted to their "$0" or low premium plans. However, you have chosen a private health insurance company to manage your healthcare cost with the ability to audit your medical services and supply claims. Some auditing mechanisms like "Prior-Authorization", "Gatekeepers" needed for doctor's referrals and a limited medical service area(In and out of network) are some of the main concerns we hear from beneficiaries. However, Medicare Advantage has grown in enrollment to 42% market share throughout the United States. Beneficiaries like using 1 ID card for doctors, hospitals and pharmacy. However the Max Out-Of-Pocket(MOOP) has been steadily rising($11k for 2022 for a number of MA Plans).

Newly-Eligible And Need To Sign Up For Medicare?
Learn to apply online for Part A and/or B from SSA.
Start Medicare the EASY way.

Go to www.StartMedicare.us Take these 3 Easy Steps To Start YourOriginal Medicare Journey. Then buy additional insurance to AVOID Costly Medicare bills when shopping for insurance(STEP 2) and cover what Medicare Does NOT.

Talk to Michael C. Fischbach for personalized and fast service 1-888-608-0654(MEDICARESAVINGS)

Choosing an individual Medicare Advantage Health Plan as your Medicare path?

Shop different types of Individual Medicare Advantage Plans in all 50 states click this referral link.

  1. MBO Contact form will include my name "Michael Fischbach" & email "Mike@MedicareSavings.US" to ensure you are helped specifically for an individual Medicare Advantage plan in your area. Or Call Medicare BackOffice(MBO) 1-877-385-8083 and mention my name(pronounced "Michael" "Fish" "Bach") for personalized service.

  2. For Retiree/Group Medicare Advantage Insurance(EGWP). Learn more here.

  3. For Individual Special Needs Plans(SNPs),specific Medicare Advantage Plan types in your STATE, Call 1-888-608-0654(MEDICARESAVINGS) for info.

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Did your Medicare Supplement(Medigap) Insurance Rate Go Up, Again?

Original Medicare(A&B) is the primary health insurance and payor for majority of retirees and baby boomers. But Original Medicare(A&B) has some costly gaps in coverage. Medicare Supplement(Medigap) Insurance Letter Plans are extremely popular to buy to help fill in the gaps of Original Medicare(A&B). These Medigap plans essentially make your Original Medicare(A&B) benefits comprehensive with nationwide coverage. However, millions of folks Do Not shop when their rates increase over time(Duration of Coverage).
Learn How to SAVE $1000's in retirement dollars.
New to Lowering Down your Medigap Plan Premium? 3-Min Read Linkedin News Article

Call and we will Text you back to hassle-free Medicare Info.

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