Medicare Solutions Explained

Depending on the circumstances, you may be enrolled in Original Medicare (Parts A and B) automatically. If not, you will need to enroll yourself. You have a window of time prior to and after your 65th birthday to enroll, and waiting to do so could result in a penalty or gaps in coverage you aren’t prepared for. Once you’re enrolled in Original Medicare, you will need to determine if you need additional coverage. This could be dental, vision, or hearing insurance, or it could also include the need for prescription drugs. Let us help determine your eligibility and next steps.

Also called Medigap, these supplemental plans can help cover the out-of-pocket costs for medical services under Original Medicare. These policies are sold by private insurance companies and combine with your primary Medicare coverage to ensure you are protected where you need it most. There are several different Medigap options that all possess different benefits. Our licensed agents can help explain these policies in-depth to you, and help you define the best solution.

Known as Medicare Part C, this plan, like Medigap, is facilitated through private insurance companies. Medicare Advantage combines Medicare Parts A and B, but with added protections and options– sometimes at no extra cost to you. You must be enrolled in both Parts A and B to be eligible for Medicare Advantage. Enrollment for Medicare Advantage occurs from October 15 – December 7, or when you first sign up for Medicare Part B.

This is prescription drug coverage, and can be part of a standalone plan or as part of a Medicare Advantage policy that includes prescription drug benefits. Like other Medigap and Medicare Advantage plans, Part D has several different options depending on what prescription drugs you may require.