Medicare

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

We represent all of the major insurance carriers — from Medicare Advantage plans to Medicare supplements, prescription drug plans, dental, vision, major medical, hospital cash plans and life insurance — so we are able to match you with the plan that best fits your healthcare insurance needs. No matter what your situation, we can help you find the right health insurance coverage to fit both your needs and your budget.

Why work with an insurance advisor?

We are here to help you understand the Medicare process and the options available to you. By partnering with multiple insurance carriers, we will help you find the plan and benefits that best fit your healthcare needs and financial situation.

Are you reviewing your coverage every year?

Medicare Prescription Plans and Advantage Plans can change each year. We can help you stay informed – insuring that you are in the right plan as your health needs change - and work with you to get needed changes made during the annual election period.

We provide insurance help at no cost to you.

We are here to help you understand the Medicare process and the options available to you. By partnering with multiple insurance carriers, we will help you find the plan and benefits that best fit your healthcare needs and financial situation.

What is Medicare?

Medicare is a fee-for-service health care program, in which the government pays health care providers directly for services that fall under Parts A and B of Medicare benefits (see below). However, if you are looking for more coverage than Original Medicare, you can purchase one of our Medicare Advantage Plans to receive all your Part A and Part B benefits.1

Medicare is divided into four categories. This allows you to customize your personal coverage when shopping for a comprehensive policy.

• Part A (hospital insurance): Covers hospital care, emergency services, nursing home care, home health services and hospice.
• Part B (medical insurance): Covers medically necessary services and supplies used for diagnosing and treating medical conditions, and preventative services for illness prevention and/or early detection. Examples include ambulance services, mental health care, outpatient procedures and clinical research.
• Part C: Combines Parts A and B and often part D as well.
• Part D: Offers prescription drug coverage.
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What Medicare options are available?

Original Medicare offers coverage for services and supplies that are considered to be medically necessary, such as doctor visits, lab tests and wheelchairs. There are several alternative plans you can choose from for additional coverage, and each plan must offer at least the same coverage as Original Medicare. There are two Medicare plans that we can assist you with.

1. A Medicare Advantage Plan, also known as Part C, combines Part A and Part B as a replacement to Medicare for more comprehensive health care coverage. This plan can be customized with additional coverage, such as a prescription drug program (Part D), vision and dental.
2. A Medicare Supplemental Plan, also known as Medigap, has a higher premium but supplements the coverage gaps and deductibles that Part A and Part B leave behind.
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Why do you need Medicare?

Seniors are in the most need of health care, but once retired monthly premiums can become hard to maintain. Enrolling in the Medicare program allows you to get the care you need for a minimal charge.

Contact us today to learn more about coverage options. We are happy to work with you to determine which Medicare options works best for you.

1 - This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.

Medicare has neither reviewed nor endorsed this information.