{"id":13202,"date":"2025-10-05T07:00:03","date_gmt":"2025-10-05T12:00:03","guid":{"rendered":"https:\/\/legaltalktexas.hammerle.com\/?p=13202"},"modified":"2025-10-03T14:08:57","modified_gmt":"2025-10-03T19:08:57","slug":"carpe-omnia-seize-everything-a-cowboys-coachs-mantra-for-medicare-open-enrollment","status":"publish","type":"post","link":"https:\/\/hammerle.com\/legaltalk\/legal-talk\/carpe-omnia-seize-everything-a-cowboys-coachs-mantra-for-medicare-open-enrollment\/","title":{"rendered":"Carpe Omnia (Seize Everything): A Cowboys Coach\u2019s Mantra for Medicare Open Enrollment"},"content":{"rendered":"<h2><b>Football Meets Medicare Season<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">What happens every Fall? Cooler weather, turning leaves, football, and Medicare Open Enrollment. Guess which topic this column is going to cover today?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Football.\u00a0 Just kidding \u2013 we are going to talk about the ABCs of <\/span><a href=\"https:\/\/hammerle.com\/legaltalk\/estate-planning\/turning-65-my-medicare-journal\/\"><span style=\"font-weight: 400;\">Medicare <\/span><\/a><span style=\"font-weight: 400;\">and Open Enrollment.\u00a0\u00a0<\/span><\/p>\n<h1><b>What Is Medicare?<\/b><\/h1>\n<p><a href=\"https:\/\/hammerle.com\/legaltalk\/legal-talk\/medicare-explained\/\"><span style=\"font-weight: 400;\">Medicare <\/span><\/a><span style=\"font-weight: 400;\">is a federal program designed to provide a basic level of healthcare for people aged 65 and older. It is available to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">U.S. citizens<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lawful U.S. residents who have lived in the country for at least 5 years<\/span><\/li>\n<\/ul>\n<h2><b>The Four Parts of Medicare: A, B, C, and D<\/b><\/h2>\n<h3><b>Part A: Hospital Coverage<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Covers inpatient hospital stays and other institution-provided inpatient care.<\/span><\/li>\n<\/ul>\n<h3><b>Part B: Doctor Coverage<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Covers physicians\u2019 services, durable medical equipment, outpatient therapy, diagnostic x-rays, and laboratory tests.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Requires a monthly premium.<\/span><\/li>\n<\/ul>\n<h3><b>Parts A &amp; B: Original Medicare<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automatically enrolled if you start receiving Social Security at age 65.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you don\u2019t want Part B, you must opt out.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">If you delay Social Security, you must manually apply for Medicare when you turn 65.<\/span><\/li>\n<\/ul>\n<h2><b>The Four Parts of Medicare: A, B, C, and D<\/b><\/h2>\n<h3><b>Part A: Hospital Coverage<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Covers inpatient hospital stays and other institution-provided inpatient care.<\/span><\/li>\n<\/ul>\n<h3><b>Part B: Doctor Coverage<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Covers physicians\u2019 services, durable medical equipment, outpatient therapy, diagnostic x-rays, and laboratory tests.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Requires a monthly premium.<\/span><\/li>\n<\/ul>\n<h3><b>Parts A &amp; B: Original Medicare<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automatically enrolled if you start receiving Social Security at age 65.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you don\u2019t want Part B, you must opt out.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you delay Social Security, you must manually apply for Medicare when you turn 65.<\/span><\/li>\n<\/ul>\n<h2><b>Medigap Plans: Filling the Coverage Gaps<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Even with Original Medicare, not all medical costs are covered. That\u2019s where Medigap (Supplemental Insurance) comes in.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Helps pay for expenses not covered by Parts A &amp; B.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Benefits are standardized by Medicare into plans C, D, E, F, G, H, I, J, M, and N.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accepted by nearly all providers.<\/span><\/li>\n<\/ul>\n<h2><b>The Rise of Medicare Advantage and Part D<\/b><\/h2>\n<h3><b>Part D: Prescription Drug Coverage<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Must be purchased separately through a private insurance company.<\/span><\/li>\n<\/ul>\n<h3><b>Part C: Medicare Advantage Plans<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Introduced in 2003, these private plans replace Original Medicare. They often include additional benefits such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dental care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Eye care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prescription drug coverage (sometimes combined with Part D)<\/span><\/li>\n<\/ul>\n<p><b>Types of Advantage Plans include:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">HMO<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">HMO point of service<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">PPO<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Private fee-for-service<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Special needs plans<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical savings account plans<\/span><\/li>\n<\/ul>\n<p><b>Key considerations:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Most require in-network providers.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Out-of-network care usually costs more.<\/span><\/li>\n<\/ul>\n<h2><b>Medicare Open Enrollment: What You Can Change<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Open Enrollment allows you to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Switch from Original Medicare to an Advantage Plan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Switch from an Advantage Plan back to Original Medicare (note: Medigap requires medical qualification if added later)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Join, switch, or drop Part D<\/span><\/li>\n<\/ul>\n<h3><b>Medicare Advantage Plan Switch Window<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">From January 1 to March 31, you can change from one Advantage Plan to another.<\/span><\/p>\n<h2><b>Simplifying Medicare Choices<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">This is only a broad overview. Medicare law has many details, and it can be confusing. Working with a Medicare consultant can help you choose the plan that best fits your needs.<\/span><\/p>\n<h2><b>Final Word: Don\u2019t Miss Out<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Most importantly, don\u2019t let this federal health insurance benefit pass you by. As former Cowboys Coach Mike McCarthy said:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cCarpe Omnia!\u201d \u2014 Seize Everything.<\/span><\/p>\n<h2><b>Protect Your Medicare Benefits<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">At Hammerle Morris Law Firm, we understand that Medicare choices can be overwhelming. The right decisions help protect your health, <\/span><a href=\"https:\/\/hammerle.com\/practice-areas\/estate-planning\/\"><span style=\"font-weight: 400;\">finances<\/span><\/a><span style=\"font-weight: 400;\">, and peace of mind.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whether you\u2019re preparing for open enrollment, exploring Advantage Plans, or reviewing supplemental coverage, our team can guide you through the process. Schedule a <\/span><a href=\"https:\/\/hammerle.com\/lewisville-attorney\/#form\"><span style=\"font-weight: 400;\">consultation <\/span><\/a><span style=\"font-weight: 400;\">today to ensure your Medicare decisions work in your best interest.<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">Virginia Hammerle is an accredited estate planner and represents clients in estate planning, probate, guardianship, and contested litigation. She may be reached at <\/span><\/i><a href=\"mailto:legaltalktexas@hammerle.com\"><i><span style=\"font-weight: 400;\">legaltalktexas@hammerle.com<\/span><\/i><\/a><i><span style=\"font-weight: 400;\">. This blog contains general information only and does not constitute legal advice.<\/span><\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Football Meets Medicare Season What happens every Fall? Cooler weather, turning leaves, football, and Medicare Open Enrollment. Guess which topic this column is going to cover today? Football.\u00a0 Just kidding \u2013 we are going to talk about the ABCs of Medicare and Open Enrollment.\u00a0\u00a0 What Is Medicare? Medicare is a federal program designed to provide [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":13203,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"categories":[21],"tags":[],"class_list":{"0":"post-13202","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-legal-talk"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Carpe Omnia (Seize Everything): A Cowboys Coach\u2019s Mantra for Medicare Open Enrollment - Hammerle Morris Law Firm<\/title>\n<meta name=\"description\" content=\"Navigate Medicare with confidence. 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