Medicare
If you’re getting ready for Medicare, chances are your Mailbox has been stuffed with brochures from companies offering a multitude of plans. Maybe you’ve been doing online research yourself, and the internet is overwhelming you. Most people we speak with tell us, “The more I read, the more confusing and conflicting the options seem.” You might be asking yourself:
“What is Medicare?”
“Do I start Medicare now?”
“Should I choose a Supplement or Advantage Plan?”
“Which plans cover my drugs & primary care doctor?
What happens if my prescriptions change?”
Medicare is complicated. Here’s the good news- our role as your Medicare insurance agency is to uncomplicate Medicare. Regardless if you use our services, we are always here with our experience and knowledge as a resource. We offer Medicare Beneficiaries information for FREE with no obligations. We are here to help guide you towards making an informed decision.
What we do:
Enrollment In Original Medicare
Medicare is a federal insurance program in the United States, mainly for people who are 65+. Your situation may be different from family and friends who have preceded you into Medicare. Not everyone needs to enroll in Parts A and B at age 65. There is a common misconception that Medicare is mandatory for everyone at age 65 or there are penalties. If you have employer group coverage (through you or a spouse’s active employment) you may have the option to postpone enrollment without penalty.
If you are receiving a Social Security check, you are automatically enrolled for Parts A and B of Medicare.
If you aren't receiving social security, you must manually apply for enrollment, which can be done online at https://www.ssa.gov/medicare/sign-up.
You can also enroll at to your local Social Security office or call Social Security and apply over the phone.
Additional Coverage Options
There's no limit on what you pay out-of-pocket with only having Original Medicare. Unless you apply for extra coverage, like a Medicare Supplement Insurance (“Medigap”) policy, or a Medicare Advantage Plan (Part C). Medigap plans pay after Medicare has paid its share for Medicare-approved treatment, while Medicare Advantage plans pay instead of Medicare.
THERE IS NEVER A CHARGE FOR OUR SERVICES.
Our role is to ensure you receive the most comprehensive and tailored coverage at the lowest cost possible. We assist you by providing plan guidance, selection, management, and more. Each year, we will review your coverage during annual enrollment period to make any needed changes based on your evolving health situation. As an independent agency we are not tied to any single insurance carrier, allowing us to focus on the unique needs of our clients without any conflict of interest- our commitment is to you! . Regardless if you use our services, we are always here with our experience and knowledge as a resource. We offer Medicare Beneficiaries information for FREE with no obligations. We are here to help guide you towards making an informed decision. It would be our privilege to connect you with a personalized Medicare plan.