Our brokers work with you to find the best insurance plans! Explore Our Services
Our brokers work with you to find the best insurance plans! Explore Our Services
Navigating Medicare can feel overwhelming, but we’re here to guide you every step of the way. Whether you’re enrolling for the first time or reviewing your current plan, our friendly brokers will help you understand your options and choose the Medicare plan that best fits your needs. We’ll assist you in enrolling in Medicare Parts A and B, choosing a plan, and our support doesn’t stop at enrollment. We’re committed to keeping you informed about any changes to Medicare, ensuring that your coverage remains up-to-date and optimal for your needs year after year. If you have special circumstances that may affect your eligibility or coverage, we can help you explore Medicare Advantage plans that offer extra benefits. With us by your side, you’ll always have the knowledge and support you need to make informed decisions about your healthcare.
Our four step personalized service will guide you through the entire process but let’s start by understanding more about Medicare.
The Initial Enrollment Period (IEP) runs for the seven month period beginning three months before you reach age 65, the month of your 65th birthday, and the three months after you reach age 65.
You are getting ready to retire and move on from your company’s health insurance plan. There are a wide variety of options and a Special Enrollment Period (SEP) that allows you coordinate the termination of your existing coverage with effective date of your new Medicare plan.
Every year, the Annual Enrollment Period, (AEP), from October15th-December 7th you have the option to review your current Medicare plan and change to another plan. The Medicare Advantage Open Enrollment Period (MA OEP) runs from January 1 to March 31 each year. During this time, individuals with a Medicare Advantage plan can switch to a different Medicare Advantage Plan, or return to Original Medicare. If they choose to return to Original Medicare, they have until March 31 to also enroll in a Part D prescription drug plan.
Choose our insurance policies for comprehensive coverage, personalized service, and affordable rates. We offer quick claims processing and expert support, ensuring peace mind and protection for your future.
We are licensed independent brokers.
Medicare is a federal health insurance program that provides coverage to eligible individuals aged 65 or older, as well as younger individuals with specific disabilities. Understanding your Medicare options can be complex, but we’re here to help simplify the process and guide you every step of the way. From enrolling in Medicare Parts A and B to exploring additional coverage options like Medicare Advantage and Prescription Drug Plans, we ensure you make informed decisions.
Before we take a deeper dive into Medicare, please keep in mind that we are certified American Health Insurance Plan licensed brokers who represent but are not limited to the following Medicare Plan carriers in all states where plans are offered.
We are licensed independent brokers who work with most insurance companies.
Explore our Frequently Asked Questions to find clear, helpful answers on Medicare plans, coverage options, and enrollment, guiding you to make informed decisions with confidence.
You will avoid Late Enrollment Penalties, if you enroll during the Initial Enrollment Period three months before, the month of, and three months after reaching age 65.
You should enroll in Part A (no premium) and you will avoid a Late Enrollment Penalty as long as your company plan is deemed to be Credible Coverage (Coverage comparable to Medicare).
For fully eligible enrollees, Medicare Part A is a zero dollar premium benefit. For calendar year 2025, the Part B premium is $185 per month. This premium is adjusted each year, announced in October, and becomes effective the following January 1st. Individuals not fully qualified may purchase Part A depending on their years of employment.
Yes. Medicare Advantage Plans are specific to your residence. If you move out of your Medicare Advantage plan's service area, you have a Special Enrollment Period to change plans. This period begins either the month before you move, or the month you notify your plan of your move and lasts for two full months after that.
Individuals over age 18 receiving SSDI will qualify for Original Medicare in the twenty-fifth month of their disability. Medicare Advantage Prescriptions Drug Plans, called Dual Special Need Plans, that add Supplemental Benefits, are available in some states.
In 2025, Medicare Part B premiums for high-income individuals, those subject to IRMAA (Income-Related Monthly Adjustment Amount), will range from $259 to $628.90 per month. This is in addition to the standard Part B premium of $185 per month. The IRMAA is determined by income reported on 2023 tax returns and applies to individuals with incomes above $106,000 and couples filing jointly with incomes above $212,000.
Yes, a spouse who has never worked can be eligible for Medicare if the working spouse has met the eligibility requirements of having worked for at least 10 years (40 quarters) and paid Medicare taxes.
You can contact the National Social Security Administration, your local Social Security Administration Office, or go to SSA.gov to enroll.
One of our brokers will be happy to assist you with the process.
One of our brokers will be happy to review the plans available to you so you can choose the plan that best suits your needs.
Original Medicare, also called, Parts A and B define the basic Medicare benefits.
Part A is referred to as “Hospital Insurance Benefits” but also covers other inpatient benefits and home health services, such as, Inpatient hospital care, Skilled nursing and rehabilitation care up to 100 days, Blood , Hospice care, up to 100 days of home health care after an individual is in a hospital or skilled nursing facility, and Inpatient psychiatric care (up to 190 lifetime days).
Part B is referred to as “Supplementary Medical Insurance Benefits.” It covers a broad range of outpatient services, such as physician and other health care professional services, Outpatient hospital services, Clinical lab and diagnostic tests, such as X-rays, MRIs, CT scans, Durable medical equipment and much more.
Medicare Advantage Plans (MA Plans), also known as Medicare Part C, offered by private insurance companies, bundle Part A and Part B benefits, but do not offer prescription drug coverage (Part D). But they may offer Supplemental Benefits like dental, vision, hearing, allowance for Over The Counter items at the pharmacy, healthy foods at the grocery store, and/or reduction of Part B premiums. While Original Medicare allows you to see any provider who accepts Medicare, Medicare Advantage plans often have networks of providers.
Medicare Advantage Prescription Drug Plans (MAPD), also known as Medicare Part C, offered by private insurance companies, bundle Part A and Part B benefits and include Part D prescription drug coverage. They may offer Supplemental Benefits like dental, vision, hearing, allowance for Over The Counter items at the pharmacy, and/or healthy foods at the grocery store. While Original Medicare allows you to see any provider who accepts Medicare, Medicare Advantage Prescription Drug plans often have networks of providers.
Medicare Prescription Drug Plans (PDP) also known as Medicare Part D, help pay for prescription medications for those with Medicare. These plans are offered by private insurance companies approved by the Center for Medicare and Medicaid Services and can be purchased in addition to Original Medicare or a Medicare Supplement Plan (Medigap).
Medicare Supplement plans, also known as Medigap plans, are offered by private insurance companies and are standardized by the Center for Medicare and Medicaid Services. These plans help cover out-of-pocket costs like deductibles, copayments, and coinsurance associated with Original Medicare Parts A and B. You typically need to have both Medicare Parts A and B to enroll in a Medigap plan. They do not offer any Supplemental Benefits and prescription drug coverage (Part D)is not included in the plan.
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We do not offer every plan available in your area. Currently I represent four organizations which offer thirty-five products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
