Services

Medicare is confusing and we can help you at no cost.

When you are nearing retirement and leaving employer insurance for the first time, insurance companies may send you excessive amounts of information about the services they provide. If you are new to Medicare, all the different health plan options can be confusing and overwhelming. We will make sure you understand all the insurance options available to you so you have a smooth transition into Medicare.

 

We will help you:

  • Understand Medicare Parts A, B, C and D
  • Understand the difference between Medicare Supplement and Medicare Advantage
  • Understand how to get the right drug coverage
  • Choose the right plan for YOU

Medicare is available to people 65 years of age or older, people under the age of 65 with particular disabilities, and people of any age with End-Stage Renal Disease.

Medicare Part A is hospital insurance that helps to cover inpatient care in hospitals. This includes critical access hospitals, skilled nursing services (not long-term), hospice, and some home health care.

Medicare Part B is medical insurance that helps to cover outpatient care, doctors’ services, as well as other services not covered by Part A. Services possible covered by Part B are physical or occupational therapy and home health care.

Medicare Part C is also known as the Medicare Advantage Plan. This plan is offered by a private insurance company that contracts with Medicare to provide all the Part A and Part B benefits for you.

Medicare Part D is prescription drug coverage. Everyone with Medicare is eligible for Medicare prescription drug coverage insurance for a monthly premium. This insurance can lower the cost of prescription drugs and may protect against potential rising costs in the future.

We represent 10 Part C Medicare Advantage Plans and work with all local medical groups.  Call us for details.

We represent the following Medicare Supplement plans:

  • AARP/United Healthcare
  • Aetna
  • Blue Shield
  • HealthNet