Don't take our word for it...

Here are a few quotes

from current SBS partners!

SBS Helps Patients Stay In Preferred Networks

"We are able to keep more patients here at our pharmacy because the plan doesn't determine where
the customer goes, but SBS helps the customer choose the plan they want."
- Jim Coker, Rogersville Pharmacy

Knowledgeable and Dependable

"[SBS] not only understands all the options available to [my clients] but is passionate about doing
what is right and in their best interest.”
- Danielle Harrison, CFP, Harrison Financial Planning

SBS Cares About the Community

"Working with SBS has been very good, and people feel confident with their insurance choices when
they work with them. They are always willing to help without self-motivated incentives, and we feel as
though they really care about our wellbeing."
- Linda Sosa, Program Coordinator, St. Cajetan Church

An Authority in the Medicare Space

"I have come to respect Senior Benefit Services as an authority in the Medicare space. They are my
go-to resource for Medicare questions and the company I regularly send clients to when they have
reached that point in their lives."
- Nathan Brown, CFP, Edward Jones

sbsteam.net Scan the QR code to read

more SBS reviews!
1-800-627-2768
A non-government entity. Not affiliated with or endorsed by any government agency. We do not offer every plan
available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact
Medicare.gov or 1-800-MEDICARE to get information on all of your options.
 5 Most Common
Medicare Questions
Do your clients or employees ever ask you about Medicare? Senior Benefit Services can
be a great resource to help you/them get those answered. Here are some of the most
common questions we receive and how we typically respond to them:

Q1: Will my Medicare plan cover Dental, Vision, and Hearing benefits?
A: Original Medicare does not cover these benefits, but SBS can help find you a plan that
includes the extra benefits you want, while staying in the network you prefer.

Q2: Why am I paying so much for my prescriptions?

A: You should review your Part D plan to make sure your Rx costs stay low. SBS offers annual
Part D reviews to ensure you are getting the lowest price each time you visit the pharmacy.

Q3: Between all the TV commercials and mail I receive, how do I

know who to trust?
A: It’s important to have a local agent who knows the options in your area. With SBS, we can
offer an unbiased opinion on which plan is truly right for your needs and budget. Remember,
if it sounds too good to be true, it probably is!

Q4: How do I make sure I keep my preferred Doctor and Pharmacy?

A: Since SBS can shop the market for you, we have the ability to find a plan that allows you to
keep visiting the Doctors and Pharmacists you prefer. We don’t work for the insurance
companies, we work for you!

Q5: What if I want to keep working past 65 and don’t need Medicare?
A: SBS is here to help you plan your transition into Medicare no matter where you’re at in the
process! We can meet with you years in advance to make sure you avoid paying penalties
and that the right plan is waiting for you when you retire.

1-800-627-2768
A non-government entity. Not affiliated with or endorsed by any government agency. We do not offer every plan
available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact
Medicare.gov or 1-800-MEDICARE to get information on all of your options.
 Human Resources
guide to
Medicare
You've devoted your time and energy in ensuring your employees have the proper insurance
coverage and benefits they need for themselves and their family while employed at your
company. But now that they're nearing retirement, it's important to know how to help them
make the transition onto Medicare. Senior Benefit Services is here to help YOU make that
transition as smooth as possible.

DID YOU KNOW that the Full-Retirement age is increasing to 67 years old? But the minimum age
to enroll into Medicare remains at 65.That's two years of potential overlap in employer and
Medicare coverage. It's important to know how Medicare complements employer coverage so
your employees don't end up paying extra penalties or missing important enrollment periods.

Who Pays First?

If you have retiree insurance (insurance from you or your spouse's Medicare pays first.
former employment)...

If you’re 65 or older, have group health plan coverage based on you or Your group health
your spouse’s current employment, and the employer has 20 or plan pays first.
more employees…

If you’re 65 or older, have group health plan coverage based on you or Medicare pays first.
your spouse’s current employment, and the employer has fewer
than 20 employees...

Medicare Penalties
Part B Penalty: Delaying Part B coverage without credible active employer coverage
will result in a 10% annual penalty for each year they were eligible.
Part D Penalty: Delaying Medicare Part D (prescription drug coverage) either
through a stand alone plan or a Medicare Advantage plan will
result in a 1% per month penalty, regardless of the clients current
prescriptions requirements.
 Human Resources
guide to
Medicare
When to Enroll
Initial Enrollment Period (IEP)
This 7 month period begins 3 months before, includes the month of, and ends 3 months after
their 65th birth month. If their birthday is the first day of the month, their "IEP month" will begin
the month prior to their 65th birth month. (e.g. If their birthday is March 1st, then their IEP will
be based off of February)

3 Months Before Your 65th 3 Months After

Birthday Month

Special Enrollment Period (SEP)

If an employee decides to delay Part B and work past their Initial Enrollment Period, they will
need to enroll during a Special Enrollment Period. The SEP lasts 8 months from the end of
creditable employer coverage. (COBRA or Individual Market coverage excluded)

Why work with SBS?

Medicare can be confusing! But Senior Benefit Services has decades of experience helping
retirees transition onto Medicare. We can be a resource for you and your employees to ensure
that, whenever they do decide to retire, there's a plan waiting for them that is right for their
needs and budget. Our services are free, and we schedule annual reviews to make sure our
clients are on the right plan for them year after year.

Questions? Contact me Today!

Ryan Gilbert
Licensed Agent
816-666-9668
A non-government entity. Not affiliated with or endorsed by any government agency. We do not offer every plan
available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact
Medicare.gov or 1-800-MEDICARE to get information on all of your options.