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Medicare, Medigap & Medicare Advantage Information

What Is Medicare?

    Medicare is health insurance for the following:
  • People 65 or older
  • People under 65 with certain disabilities
  • People of any age with End-Stage Renal Disease (ESRD)

When can I sign up for Medicare?

3 months before
the month you turn 65
2 months before
the month you turn 65
1 month before
the month you turn 65
The month you turn 65 1 month after
the month you turn 65
2 months after
the month you turn 65
3 months after
the month you turn 65
Sign up early to avoid a delay in getting coverage for Part B services. To get Part B coverage the month you turn 65, you must sign up during the 3 months prior to the month you turn 65.

What does Medicare Cover & What does it Cost?

  • Part A - Hospital Insurance is part of Original Medicare from the government
  • Part B - Medical Insurance is part of Original Medicare from the government
  • Part C - Also known as Medicare Advantage
    • Medicare Advantage is NOT a government program
    • Medicare Advantage (MA) Plans are health plan options approved by Medicare and offered by private insurance companies that are contracted by the federal government.
    • Medicare Advantage Plans cover all Medicare Part A and Part B benefits that original medicare covers and many plans cover even more including presription drugs
    • Some plans have NO additional premium you are only required to pay your Part B premium
    • Part C Medicare Advantage detailed Information Click Here
  • Part D - Prescription Drug Plans or PDP
    • Provide coverage for prescription drugs
    • Plans are run by Medicare-approved private insurance companies
    • Have an additional Premium* Many people qualify to get Extra Help paying their Medicare prescription drug costs but donít know it.
    • Each plan can vary in cost and drugs covered.
    • Part D Detailed Information Click Here

What are my choices and how do I sign up? Help me Choose!

    • Simple steps to deciding what you need for your situation click here

What is Medigap/Medicare Supplement Insurance

    • Covers what medicare doesn't pay
    • Medicare Supplement or Medigap Plans offered by private insurance companies
    • There are up to 12 different standardized Medigap plans (Plans A through L)*
    • Each plan each plan has a different set of basic and extra benefits
    • Each plan is standardized so all company plans provide the same benefits
    • Each insurance company decides which Medigap policies it wants to sell
    • Although each plan is the same for all insurance companies, the costs vary
    • You will have to pay a premium to the Medigap insurance company
    • *For more Info on Medigap Insurance Click Here

Call us Now for Help with your choices

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