Let our Medicare Expertise Guide You

Most people age into Medicare at age 65. Others, however, begin receiving Medicare disability at a younger age. Prior to the start of Medicare coverage individuals need to educate themselves about the benefits of Medicare, the gaps in Medicare and the steps they need to take before Medicare benefits begin.

Our team of agents can educate you about your options as well as find plans that best fit your individual circumstance. Don’t try to navigate the waters alone. Contact our office today and let us educate you. The best decisions are made once you have all the facts.

What is Medicare?

Medicare is a federal health insurance program that was created to help Americans age 65 or older, and certain disabled persons, to pay for medical care.

Medicare divides all medical care it will cover into four parts: Parts A, B, C, and D. Part A covers part of inpatient hospital insurance, Part B covers part of medical services by doctors, Part C is Medicare Advantage plans and Part D is Prescription Drug Coverage.

When do I become eligible?

You become eligible for Medicare on the first day of the month in which you turn 65. People who are disabled or suffer from end-stage renal disease may become eligible for Medicare before age 65.

When should I apply?

If you're already retired and receiving Social Security benefits, you don't even have to apply for Medicare Part A and Part B. You'll automatically get a Medicare card in the mail when you turn 65. If you are not already retired or do not qualify for Social Security benefits, you will have to file an application for Medicare Part A and B coverage. You can apply for Medicare Part A and B coverage online or at your local social security office.

What is a supplement?

A supplemental policy is private health insurance that is designed to supplement original Medicare. The policy will pay for some of the health care cost "gaps" that Medicare doesn't cover. If you have Medicare and you select a supplement, Medicare will pay its share of the Medicare approved amounts for covered health care. Your supplement pays its share and you pay monthly premiums whether you become sick or not.

Comparing Medicare Supplement Policies can be a confusing and overwhelming process, with so many plans, benefits, rates, websites and articles distributing all sorts of information. To compare the different company plans and rates, feel free to call us and we’ll be glad to show you the plans in your area.

What is an Advantage plan?

Medicare Advantage options, also known as "Part C," allows people who are eligible for Medicare to choose to enroll in option plans called Medicare Advantage. You must be enrolled in Medicare Part A and Part B before enrolling in Medicare Advantage. Private insurers offer the plans that have varying co-payments and premiums that start at $0 per month. Many plans require you to visit specific doctors, hospitals and other healthcare providers.

What plan is best for me?

Without knowing your health or financial needs, we can’t know what plan is best for you. Your options are: 1) Standalone Medicare 2.) Medicare and a Group Plan 3.) Medicare with a Supplement 4.) Medicare Advantage Part C.

From reviewing original Medicare (Parts A and B) to understanding Medicare supplement insurance plans, Medicare Advantage (Part C) and stand-alone prescription drug plans (Part D), we are here to help at no cost to you.

*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 or 1-800-MEDICARE to get information on all of your options.

Not sure what is right for you or need help deciding? We’re here to help! | 501-988-2726