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medicare planning

Find the right Plan for you

Our plans feature a variety of coverage, flexibility, & protection so that you can find the right combination that fits your individual preferences, needs & budget. We value what’s important to you!

medicare solutions

Medicare Supplement Insurance

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Medicare Advantage-Part C

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Medicare Prescription Drug Plan-Part D

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parts of medicare

part a

Hospital Insurance

Helps cover inpatient care in hospitals, skilled nursing facility care, hospice care, and home health care.

part b

Medical Insurance

Helps cover: Services from doctors and other health care providers. Outpatient care. Home health care. Medical equipment. And preventive services.

part d

Drug Coverage

Helps cover: Prescription drugs. Medicare drug plans are in addition to Original Medicare, or you get it by joining a Medicare Advantage Plan with drug coverage.

Additional Information

How do I apply for Medicare?

For Medicare Part A and Part B, some people get them automatically while others have to sign up. Whether you have Social Security and how long you’ve worked and paid into Medicare play a big role in how and if you need to apply. If you are someone who is automatically enrolled, you’ll receive your Medicare Card in the mail 3 months before your 65th birthday.

When can I apply for Medicare?

You can enroll in Medicare starting three months prior to the month of your 65th birthday and extending for three months after the month of your birthday. (If your birthday is on the first of the month, you can enroll beginning four months prior to the month of your 65th birthday but only two months after the month of your birthday) You apply at your local Social Security Office, either online, by phone, or in-person.

How do I switch plans or add more coverage to my Medicare solution?

You can apply for a new Medicare supplement insurance plan at any time. However, medical underwriting may apply and you could be denied due to health conditions. If you want to switch between a Medicare supplement plan and a Medicare Advantage plan, you need to switch during certain periods of time and depends on your current health conditions. When switching to a Medicare Advantage plan you can apply during the Annual Enrollment Period from October 15-December 7 of each year. You cannot be denied this coverage, and it will be effective the following January 1.

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*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 visit Medicare.gov or call 1-800-MEDICARE to get information on all of your options.
**Additional carriers may be added if needed.

Medicare
supplement Insurance

Medicare Supplement covers things that Original Medicare doesn’t, like copays, deductibles, and coinsurance. It does all this with a steady, predictable, monthly bill you can budget for. And it can’t be cancelled. It will be renewed for as long as you pay your premium
on time and make no material misrepresentation.

You can add a Prescription Drug Plan and a Dental plan to Medicare supplement
insurance to get even more coverage.

You have to get Medicare Supplement Insurance through a private insurer. You’ll have to pay a monthly premium and depending on the plan you may also have copays.

Medicare Supplement Insurance may be a great fit for you if:
• You want more coverage than original Part A and Part B.
• You’d rather pay a monthly, predictable bill than have to pay out of pocket for an unexpected medical bill.
• You want the freedom to see any doctor who accepts Medicare.
• You want to be able to travel abroad with the confidence you will be covered.1
• You want insurance that can’t ever be cancelled.†

†As long as the premiums are paid on time and
there has been no material misrepresentation.

*Medicare supplement plans do NOT include
Medicare Part D prescription coverage.

Medicare Advantage-Part C

Medicare Advantage combines the coverage of Part A and B – Original Medicare, plus extra benefits. Many plans include prescription drug coverage as well as dental and vision care. Some plans have no copays for most labs or tests. And some even have extra benefits like gym memberships and transportation.

Most plans offer $0 premiums, but you do have to pay your Part B premium. Most plans have copays for treatment. And you’ll continue to pay your Part B premium. Medicare Advantage plans have a yearly limit for out-of-pocket costs you have to pay. Once you reach that amount, you won’t pay more for any of your Medicare costs, your plan will cover it. Different plans have different maximums.

Medicare Advantage plans work all by themselves. They replace Medicare Parts A and B and because of this all-in-one approach, you don't pair them with Medicare Supplement policies.

Medicare Prescription Drug Plan-Part D

Part D covers your prescription drugs and is a great addition to pair with Medicare supplement insurance. You probably won’t need it if you get Medicare Advantage since most Medicare Advantage plans include it. Just remember, which prescriptions are covered depends on which plan you get.

You have to get your Prescription Drug Plan through a private insurer. You’ll pay the monthly premium and a yearly deductible. You'll also pay a coinsurance (a percentage of the cost for your prescriptions) or a copay (a flat fee for some of your prescriptions’ cost). It is important to verify that all of your prescriptions are included in the plan formulary.