Turning 65?

We're here to help!

Confused about your Medicare options? Don't worry, you're not alone. Our expert team is here to help simplify the process and ensure you get the coverage you deserve. Let us guide you through all the options and find the perfect plan(s) for your needs.

Turning 65?

We're here to help!

Confused about your Medicare options? Don't worry, you're not alone. Our expert team is here to help simplify the process and ensure you get the coverage you deserve. Let us guide you through all the options and find the perfect plan(s) for your needs.

The different parts of Medicare help cover specific services:

Medicare Part A (Hospital Insurance): Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

Medicare Part B (Medical Insurance): Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services.

Medicare Part C (Medicare Advantage): The Medicare Advantage program is also called Medicare Part C.

Medicare Part D (prescription drug coverage): Helps cover the cost of prescription drugs (including many recommended shots or vaccines).

Additionally, Supplements are available to help with costs not covered by Medicare:

Medicare Supplement insurance plans help pay your share of some of the healthcare costs that Original Medicare doesn't cover, like copayments, coinsurance and deductibles.

Medicare Advantage and Medicare Supplement are different types of Medicare coverage. You cannot have both at the same time. Medicare Advantage bundles Part A and B, often with Part D and other types of coverage.

Medicare Supplement is additional coverage you can buy only if you have Original Medicare Part A and B.

Not all plans are built the same, and premiums vary
Medicare Supplement Insurance is sometimes also called Medigap because it helps fill the gaps in coverage and provides additional benefits such as dental and vision care.
With a variety of plans available, you can customize your coverage to meet your specific needs and budget.

Need help understanding your options?

We know enrolling in Medicare can be a complicated and daunting process, but it doesn't have to be. Let us help you understand your options and choose the right one for you.

What is Original Medicare?

Original Medicare includes Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance). You pay for services as you get them. When you get services, you’ll pay a deductible at the start of each year, and you usually pay 20% of the cost of the Medicare-approved service, called coinsurance. If you want drug coverage, you can add a separate drug plan (Part D).

Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like copayments, coinsurance, and deductibles. Some Medigap policies also cover services that Original Medicare doesn't cover, like emergency medical care when you travel outside the U.S.

What is Medicare Advantage?

Medicare Advantage is a Medicare-approved plan from a private company that offers an alternative to Original Medicare for your health and drug coverage. These “bundled” plans include Part A, Part B, and usually Part D.

Plans may offer some extra benefits that Original Medicare doesn’t cover — like vision, hearing, and dental services. Medicare Advantage Plans have yearly contracts with Medicare and must follow Medicare’s coverage rules. The plan must notify you about any changes before the start of the next enrollment year.

The different parts of Medicare help cover specific services:

Medicare Part A (Hospital Insurance): Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

Medicare Part B (Medical Insurance): Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services.

Medicare Part C (Medicare Advantage): The Medicare Advantage program is also called Medicare Part C.

Medicare Part D (prescription drug coverage): Helps cover the cost of prescription drugs (including many recommended shots or vaccines).

Additionally, Supplements are available to help with costs not covered by Medicare:

Medicare Supplement insurance plans help pay your share of some of the healthcare costs that Original Medicare doesn't cover, like copayments, coinsurance and deductibles.

Medicare Advantage and Medicare Supplement are different types of Medicare coverage. You cannot have both at the same time. Medicare Advantage bundles Part A and B, often with Part D and other types of coverage.

Medicare Supplement is additional coverage you can buy only if you have Original Medicare Part A and B.

Not all plans are built the same, and premiums vary
Medicare Supplement Insurance is sometimes also called Medigap because it helps fill the gaps in coverage and provides additional benefits such as dental and vision care.
With a variety of plans available, you can customize your coverage to meet your specific needs and budget.

Need help understanding your options?

We know enrolling in Medicare can be a complicated and daunting process, but it doesn't have to be. Let us help you understand your options and choose the right one for you.

What is Original Medicare?

Original Medicare includes Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance). You pay for services as you get them. When you get services, you’ll pay a deductible at the start of each year, and you usually pay 20% of the cost of the Medicare-approved service, called coinsurance. If you want drug coverage, you can add a separate drug plan (Part D).

Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like copayments, coinsurance, and deductibles. Some Medigap policies also cover services that Original Medicare doesn't cover, like emergency medical care when you travel outside the U.S.

What is Medicare Advantage?

Medicare Advantage is a Medicare-approved plan from a private company that offers an alternative to Original Medicare for your health and drug coverage. These “bundled” plans include Part A, Part B, and usually Part D.

Plans may offer some extra benefits that Original Medicare doesn’t cover — like vision, hearing, and dental services. Medicare Advantage Plans have yearly contracts with Medicare and must follow Medicare’s coverage rules. The plan must notify you about any changes before the start of the next enrollment year.

When it comes to insurance...

You have options.

If you are without insurance coverage, you should know that there is a whole range of insurance options available to you.

Medicare Advantage

Protect your health and finances with Medicare Advantage. Get the coverage you need to stay healthy and worry-free during your golden years. Sign up now for peace of mind.

Medicare Supplements

Looking for peace of mind with your Original Medicare coverage? Medicare supplements can fill the gaps in your plan to help you pay for things like deductibles and copays. Get a quote today and ensure you have the best care possible.

Retirement Planning and Burial Insurance

Secure your future with retirement planning insurance and ensure peace of mind for your family with burial insurance. Don't leave your loved ones with a financial burden in their time of grief. Start planning today!

When it comes to insurance...

You have options.

If you are without insurance coverage, you should know that there is a whole range of insurance options available to you.

Medicare Advantage

Protect your health and finances with Medicare Advantage. Get the coverage you need to stay healthy and worry-free during your golden years. Sign up now for peace of mind.

Medicare Supplements

Looking for peace of mind with your Original Medicare coverage? Medicare supplements can fill the gaps in your plan to help you pay for things like deductibles and copays. Get a quote today and ensure you have the best care possible.

Retirement Planning and Burial Insurance

Secure your future with retirement planning insurance and ensure peace of mind for your family with burial insurance. Don't leave your loved ones with a financial burden in their time of grief. Start planning today!