Medicare

Turning 65? Getting ready to retire? Noticed a recent rate increase?

Medicare can be overwhelming, but we are here to guide you through it. Our agents simplify the Medicare process, helping you understand the different parts of Medicare, so you can make the best choice for your specific needs.

If you are turning 65 or retiring and leaving your group plan, you should begin the looking at your Medicare options at least 6 months prior to your 65th birthday or when you plan to retire.

Call us for personalized assistance at (972) 273-0280 or simply fill out the form below and we will be in contact with you.

What is Medicare?

Medicare is a federal health program for people 65 and over, people under age 65 with certain disabilities, and those with end stage renal disease (ESRD).

Medicare is not a one-size-fits-all. There are multiple parts of Medicare and not all plans work the same, which is why our agents, are here to guide you to the best plan that suits your needs.

Medicare Supplement (Medigap) Plans

Medicare Supplement plans are health insurance plans sold by private insurance companies that fill in the gaps that Original Medicare doesn’t cover.

The benefits of the plans are the same from plan to plan. Different plan letters offer different benefits. (insert link to plan letters)

With a Supplement plan, you have the freedom to go to any doctor who accepts Original Medicare and do not need referrals.

Prescription Drug Plans (Medicare Part D)

Part D benefits are provided through private insurance companies.

You can get your prescription drug coverage by joining a stand-alone plan or through your Medicare Advantage plan that includes prescription drug coverage.

Depending on your income, you may qualify for Extra Help. More information on Extra Help can be found here.

Original Medicare

Original Medicare consists of two parts — Part A and Part B, and covers 80% of Hospital and Doctor costs.

What does Original Medicare cover?

Medicare Advantage Plans (Medicare Part C)

Medicare Advantage plans are offered by private insurance companies and combine Part A and Part B benefits.

Some plans may offer additional benefits (dental, vision, hearing, gym membership) and prescription drug coverage.

Plans have a set network of providers and hospitals. Plan benefits change from year to year.

Enrollment Periods

The different types of enrollment periods can be found here.

You may incur late enrollment penalties if you did not sign up when first eligible. Late enrollment penalty fees can be found here.

Medicare has neither reviewed nor endorsed this information. Not connected with or endorsed by the United States government or the federal Medicare program. National Producer Number: 19563631

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.