By love-89.com In an exclusive interview, we spoke with representatives from “Red Blue One,” a company located in Flushing that offers comprehensive services for all eligible seniors in New York State under the Medicare program, commonly referred to as the “Red Blue Card.” This federal program provides health insurance for U.S. citizens and legal residents aged 65 and older, or individuals under 65 who suffer from disabilities or end-stage renal disease. Importantly, all eligible seniors must enroll in the program, as failing to apply during their initial eligibility period could result in penalties.
“Red Blue One” specializes in guiding seniors through the entire process—from assisting with Medicare applications to explaining the differences and uses of the A, B, C, and D components of the Medicare program. They also help seniors apply for premium reductions if they qualify and provide comparisons of benefits across various insurance plans. Their goal is to ensure a smooth experience from start to finish by offering thorough consultations and exceptional service.
When evaluating different Medicare Advantage plans, seniors generally follow several key steps:
– **Explore Available Plans:** The first step is to understand which plans are eligible and compare the benefits and costs of each, including looking for any additional perks to find the plan that suits them best.
– **Check Provider Networks:** It’s essential to verify whether their current family doctors and specialists are part of the insurance plan they wish to join.
– **Review Prescription Drug Coverage:** Original Medicare doesn’t typically cover prescription medications. Seniors may need to consider enrolling in a Part D plan for prescription drug coverage or select a Medicare Advantage plan that includes it.
– **Look for Extra Benefits:** While Original Medicare doesn’t cover most vision, hearing, or dental services, many Medicare Advantage plans do offer this coverage.
– **Consider Fitness Benefits:** Many plans incentivize healthy habits by providing rewards for activities such as completing health surveys, annual check-ups, and fitness classes. Some plans even offer free gym memberships at no additional cost.
“Red Blue One” operates as an independent insurance brokerage, representing multiple top-tier insurance companies but not being affiliated with any single one. Their mission is to prioritize client service and help customers find the most suitable Medicare plans. Their partners include well-known providers such as United Healthcare, Healthfirst, Empire BlueCross BlueShield, Fidelis, Humana, Wellcare, EmblemHealth, and Aetna.
The services provided by “Red Blue One” include assistance with:
– Individuals with 40 or more work credits applying for Medicare
– Seniors with fewer than 40 credits or non-filers (aged 65 and older with at least five years of residency) applying for Medicare A and B
– Applying for Medicare cost reductions
– Applying for and renewing Medicaid
– Comparing benefits across various health plans
– Enrolling in Medicare plans with OTC (over-the-counter) card benefits
For more information, interested individuals can contact “Red Blue One” at 347-878-8088 or via email. Their office is located at 136-20 38th Ave., Flushing, NY 11354. Visit their website at www.redblueone.com. The staff is fluent in Mandarin, Cantonese, and Fuzhou dialects, ensuring effective communication with diverse clients.