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PO BOX 26
Vicksburg, MI 49097
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(269) 682-1892
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Terms & Conditions
Our Story Starts With You
When age is more than a number
At Klok & Associates, we believe age does not have to limit learning, growth, or vitality. We want to encourage you to ,pursue a passion, take up a new hobby, and do what makes you happy. So today, make it a point to enjoy your free time and redefine "acting your age".
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Our terms & conditions
These Terms & Conditions ("Terms") govern your use of the Judiklok.com opt-in form and your subscription to receive communications from Judi or related associates (collectively, the "Service"). By opting in to our email list, you agree to these Terms.
1. Information We Collect
When you opt in to our list, you may provide us with your email address and other information (collectively, "Information"). We will use this Information in accordance with our Privacy Guarantee. We promise, we will protect your privacy and information.
2. Use of Information
We may use your Information to: Send you marketing and promotional communications, including newsletters, special offers, and upcoming events. Personalize your experience on our website by recommending content we think you may be interested in, respond to your inquiries and requests, improve our website and services.
3. Opting Out
You may unsubscribe from our communications at any time by clicking the "unsubscribe" link at the bottom of any email or text message we send you.
4. Disclaimers
The information provided through the Service is for informational purposes only and should not be considered as professional advice. Judiklok.com makes no
warranties or representations of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information or services provided through the Service.
We will not be liable for any loss or damage, including without limitation, indirect or consequential loss or damage, or any loss or damage arising from loss of data or profits arising out of, or in connection with, the use of the Service.
5. Termination
We may terminate your access to the service at any time, with or without cause.
6. Governing Law
These terms shall be governed by and construed in accordance with the laws of Michigan, without regard to its conflict of law provisions.
7. Entire Agreement
These terms constitute the entire agreement between you and us with respect to your use of the service and supersede all prior or contemporaneous communications and proposals, whether oral or written.
8. Changes to Terms & Conditions
We reserve the right to update or change these terms at any time. The updated terms will be posted on this page. Your continued use of the Service after the posting of any revised terms constitutes your acceptance of the revised terms.
Contact Us
If you have any questions about these terms, please contact us at [email protected].
Date Last Updated: September 10, 2024
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Frequently Asked Questions
Schedule a time on the to go over your available options Now!
What is the difference between Medicare Part A and Part B?
Medicare Part A, often referred to as "Hospital Insurance," covers inpatient hospital care, skilled nursing facility care, hospice care, and some home health care services. It helps pay for the costs associated with hospital stays and related care.
Medicare Part B, known as "Medical Insurance," covers medically necessary outpatient services such as doctor's visits, preventive care, lab tests, and durable medical equipment. Part B helps cover essential healthcare services outside of a hospital setting.
When should I enroll in Medicare, and what are the penalties for late enrollment?
You should enroll in Medicare during your Initial Enrollment Period (IEP), which begins three months before your 65th birthday, includes your birth month, and extends for three months afterward. If you miss this initial enrollment window, you may face late enrollment penalties.
The late enrollment penalties can apply to Medicare Part B and Part D (prescription drug coverage). The Part B penalty increases your Part B premium by 10% for each full 12-month period you were eligible for Part B but didn't enroll. The Part D penalty is based on the number of months you were eligible for Part D but didn't enroll, and it's added to your Part D premium.
How do I choose the right Medicare Advantage plan for my needs?
To choose the right Medicare Advantage plan, consider your healthcare needs, including the doctors you prefer and the prescription drugs you take. Here are some steps:
a. Review the plan's network to ensure your preferred healthcare providers are in-network.
b. Check the plan's formulary (list of covered drugs) to see if your medications are covered.
c. Compare costs, including premiums, deductibles, copayments, and out-of-pocket maximums.
d. Consider additional benefits like dental, vision, and fitness programs.e. Look at plan ratings and reviews to gauge overall satisfaction.f. Consult with a Medicare advisor or use online tools to compare plans based on your specific needs.
Call us or schedule a time for us to go over your specific options.
What is the Medicare "donut hole," and how does it affect prescription drug costs?
The Medicare Part D coverage gap, often called the "donut hole," is a temporary limit on what your prescription drug plan will cover. In 2021, you enter the coverage gap once you and your plan have spent a certain amount on covered drugs. During the coverage gap, you are responsible for a higher percentage of your drug costs. However, your out-of-pocket costs decrease once you reach catastrophic coverage.
What are the advantages of having a Medigap plan alongside Original Medicare?
Medigap plans, also known as Medicare Supplement Insurance, help fill the gaps in Original Medicare coverage by paying for certain out-of-pocket costs such as deductibles, copayments, and coinsurance. Advantages of having a Medigap plan include:
a. Predictable healthcare costs, as Medigap plans can eliminate or reduce unexpected expenses.
b. Freedom to see any healthcare provider who accepts Medicare, as Medigap plans aren't tied to specific networks.
c. Coverage stability, as Medigap benefits are standardized and won't change from year to year.
What is the maximum income to qualify for Medicaid after retirement?
Medicaid income eligibility limits vary by state, and they are based on factors such as your age, family size, and medical needs. After retirement, your income and assets will be evaluated to determine Medicaid eligibility. It's essential to check your state's Medicaid guidelines or consult with a local Medicaid office for precise income limits and requirements.
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Centers for Medicare & Medicaid Services (CMS) Disclaimer: 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.