Turning 65 or new to Medicare?
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We represent most major Medicare Advantage & Medicare Supplement Insurance plans. We offer our services at NO COST to you:
We do not offer every plan. For a complete listing of the plans we represent by county please contact us. For a complete listing of all plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week.
We are trained to use Medicare.Gov and other tools that compare all plans available. Call for help and answers to your questions. A licensed health insurance agent will answer.
Original Medicare is Part A and Part B
Part A is Hospital Insurance and provides some coverage for:
This is not a complete list of services available.
Part B is Medical insurance and provides some coverage for:
This is not a complete list of services available.
Original Medicare generally covers 80% of your Hospital and Medical expenses.
Part A - usually no premium if you are Eligible and paid into Social Security for 40 quarters. If you don't qualify on your own, you may be eligible on your spouse's work history when you turn 65.
Part B - The standard premium in 2023 is $164.90/month but could be more based on your income from tax returns two years prior.
Part A late penalty - If you don't qualify for premium-free Part A, you may have to pay a late enrollment penalty if you don't enroll in Part A during your seven-month initial enrollment period, which starts three months before the month you turn 65 and ends three months after your birthday month.
Part B late penalty - If you do not sign up for Part B when first eligible and you are not covered by other credible medical insurance you may incur a late enrollment penalty for as long as you have Part B.
Part D penalty - If you do not sign up for Part D when first eligible and you did not have creditable coverage for more than 63 days, you may have to pay a late enrollment penalty for as long as you have Part D.
Part D provides outpatient prescription drug coverage for some prescription drug costs.
Note that Original Medicare does not include outpatient prescription drug coverage.
Two ways to obtain Part D coverage:
Additional help paying for prescriptions may be available. You may qualify for a Low-Income Subsidy (LIS) if your yearly income and resources are below certain limits.
You can apply at: www.ssa.gov/benefits/medicare/prescriptionhelp/
Part C combines Parts A and B and can include Part D, known as Medicare Advantage Plans.
Supplements can fill some of the GAPS original Medicare does not cover. Often referred to as MEDIGAP Insurance.
Plans are insured or covered by a Medicare Advantage (HMO, PPO, and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. We do not offer every plan in your area. Please contact medicare.gov or 1-800-Medicare to get information on all your options.
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