Our goal is to help match you with Medicare coverage that meets your needs. We believe it’s imperative for our clients to understand the different parts of Medicare, how each part impacts the doctors they can see, and how much they pay for their prescription drugs.

Getting Started with Medicare

Medicare is a health insurance for people 65 and older. You’re first eligible to sign up for Medicare 3 months before you turn 65. You may be eligible to get Medicare earlier if you have a disability, End-Stage Renal Disease (ESRD), or Lou Gehrig’s disease (ALS).

Medicare Basics

Part A (hospital insurance) helps cover inpatient care in hospitals, skilled nursing facility care, hospice care, and home health care.

Part B (medical insurance) helps cover services from doctors and other healthcare providers, outpatient care, home health care, durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment), and many preventive services (like screenings, shot or vaccines, and yearly “Wellness” visits).

Part C (Medicare Advantage) is a Medicare-approved plan from a private insurance company that offers an alternative to Original Medicare for your health and drug coverage. These plans include the same coverage as Part A, and Part B and sometimes include Part D.

Part D (drug coverage) helps cover the cost of prescription drugs (including many recommended shots and vaccines). You join a Medicare drug plan in addition to Original Medicare, or you get it by joining a Medicare Advantage plan with drug coverage. Plans that offer Medicare drug coverage are run by private insurance companies that follow the rules set by Medicare.

Medicare Supplement Insurance (Medigap) is extra insurance you can buy from a private company that helps pay your share of costs in Original Medicare. Policies are standardized and in most states, named by letters, like Plan G or Plan N. The benefits in each lettered plan are the same, no matter which insurance company sells it. This is one reason of the many reasons why beneficiaries choose to work with a trusted insurance agent. Since you can purchase a Medicare Supplement policy year-round, you can “shop and compare” your Medicare Supplement plan premiums across multiple insurance companies.

More about your Medicare Choices

In addition to Original Medicare Part A and Part B, you have additional choices about Medicare. You can choose to receive your Medicare benefits through a Medicare Advantage plan, or keep Original Medicare Part A and Part B and purchase a Medicare Supplement insurance plan.

Learn more about Medicare Supplement insurance plans and Medicare Advantage Part C.