Medicare

Guided, complimentary, and personal assistance through senior insurance benefit solutions.

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57% of Medicare enrollees do not review or evaluate current nor alternative Medicare coverage options annually.

Medicare

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30% of Medicare enrollees surveyed said the Medicare program was either “somewhat difficult” or “very difficult” to understand.

Kaiser Family Foundation Survey

What is Medicare?

Medicare is a national health insurance program administered by the federal government to provide health insurance benefits to seniors 65 or older, some younger people with disabilities, or individuals with end stage renal disease.

What are the Parts of Medicare?

Part A (Hospital Insurance)

  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care

Part B (Medical Insurance)

  • Services from doctors and other health care providers
  • Outpatient care
  • Durable medical equipment (i.e. wheelchairs, walkers)
  • Many preventive services (i.e. screenings, physicals, & vaccines)

Part D (Drug Coverage)

Helps cover the cost of prescription drugs (including many recommended shots or vaccines).

Turning 65 Soon?

Medicare Steps for Success

4 months before your 65th birthday

🗹  Understand your options with your employer coverage

🗹  Learn about Medicare; what it does and does not cover

3 months before your 65th birthday

🗹  Sign up for Medicare at www.ssa.gov

🗹  Compile a list of your doctors and prescriptions

🗹  Attend an educational workshop or request a one-on-one meeting with a Medicare broker at no cost.

2 months before your 65th birthday

🗹  Meet with your Medicare broker to discuss your questions and enroll in the plan that best fits your healthcare and financial needs.

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Different Sources of Medicare Coverage

Medicare Advantage

Medicare Advantage, often called “Part C” combines the original components of Medicare (Parts A & B) and often includes other benefits such as Part D coverage, hearing, vision, dental & fitness.

In addition, unlike Original Medicare, Medicare Advantage plans include out of pocket cost limits on what you pay annually for health care services.

Medicare Supplement

Medicare Supplement insurance (also known as MediGap) is additional, optional coverage purchased on top of Original Medicare (not available on top of Medicare Advantage plans).