Your Trusted Partner in Navigating Medicare

Medicare is a federal health insurance program primarily for individuals aged 65 and older, though it’s also available to younger people with certain disabilities or medical conditions. While Medicare is a vital resource, understanding its different parts and policies can be complex. That’s where we come in—we help you cut through the confusion and find the Medicare solution that works best for your health and financial needs.

Medicare is divided into different parts, each covering specific healthcare services. Here’s a brief overview of the four main parts:

Medicare Part A: Hospital Insurance

Part A covers hospital stays, skilled nursing facility care, hospice care, and some home health services. Most people don’t have to pay a premium for Part A, as it’s funded by payroll taxes during your working years.

Medicare Part B: Medical Insurance

Part B covers doctor visits, outpatient care, preventive services, and medical supplies. Unlike Part A, most people pay a monthly premium for Part B, which is based on your income.

Medicare Part C: Medicare Advantage Plans

Medicare Advantage (Part C) is offered by private insurance companies approved by Medicare. These plans bundle together the services of Part A and Part B and often include additional benefits such as vision, dental, and prescription drug coverage. Medicare Advantage Plans offer a more streamlined approach but may come with different network restrictions and coverage details.

Medicate Part D: Prescription Drug Coverage

Part D helps cover the cost of prescription medications. These plans are offered by private insurance companies and are designed to work alongside your Medicare coverage. Part D plans vary, so choosing the right one is crucial for your prescription needs.

Medicare covers a lot, but it doesn’t cover everything. Medicare Supplement Insurance, or Medigap, helps pay for the out-of-pocket costs that Original Medicare (Parts A and B) doesn’t cover, such as copayments, coinsurance, and deductibles. These policies are offered by private insurance companies and can help protect you from unexpected medical expenses. We can help you find a Medigap plan that provides the peace of mind you need without breaking the bank.

Choosing the right Medicare plan is an important decision, and we’re here to make it easier for you. With so many plan types and options, it can be overwhelming choosing which one id the right plan for you. We take the time to get to know your health needs, doctors, and medication, and provide clear, honest advice so you can choose the best Medicare option with confidence.

We’ll help you understand when and how to enroll, avoiding penalties and ensuring you’re covered.

Whether you’re considering Original Medicare, Medicare Advantage, or a Medigap plan, we’ll compare your options side-by-side.

We’ll assist you in finding the right Part D plan for your medications.

Need extra coverage? We’ll find a Medigap plan that fits your health needs and budget.