Medicare Insurance Agency

Medicare provides health coverage for people who are aged 65 and older or have certain disabilities or medical conditions. Our agency can assist people on Medicare to choose health plan options that work with Medicare and help reduce out-of-pocket costs. Book an appointment with one of our insurance agents to get started.

Parts of Medicare

There are various options and parts of Medicare that may or may not be applicable to you. Start here to learn about the basics of Medicare, which has four parts.

Original Medicare

Original Medicare is made up of Parts A and B and is managed by the federal government. To be eligible for Medicare you must be a U.S. citizen for a minimum of five consecutive years and meet one of the following qualifications:

  • 65 Years Old

  • Have Kidney Failure (End-Stage Renal Disease) or Lou Gehrig's Disease (ALS)

  • Have been receiving Social Security Disability Insurance for 24 months.

Part A

Hospital Coverage

Hospital coverage under Part A helps cover inpatient hospital care, inpatient mental health care, skilled nursing services and hospice care.

Part B

Doctor + Outpatient Coverage

Doctor + outpatient coverage under Part B helps cover physician services, outpatient hospital services, ambulance, outpatient mental health, laboratory services, durable medical equipment (wheelchairs, oxygen, etc), outpatient therapies and some preventative care.

Medicare Advantage (Part C)

Medicare Advantage Plans are offered by private companies approved by Medicare. These plans cover the same services as Original Medicare A & B and may include prescription drug coverage (Part D) and additional benefits.

Prescription Drug Plan (Part D)

Part D of Medicare is prescription drug coverage. You can obtain this coverage through private insurance carriers either through a Medicare Advantage plan that includes drugs (MAPD) or a stand-alone Prescription Drug Plan (PDP). Each plan determines its specific formulary, or list of drugs covered, its medication tiers and the cost to you of each medication in the specific tiers.

Stand-Alone Prescription Drug Plan

If you are on Original Medicare with or without a Medicare Supplement, or on a specific type of Medicare Advantage Plan called Private Fee-for-Service, without drug coverage, you may enroll in a stand-alone PDP.

Medicare Advantage Prescription Drug Plan (MAPD)

Some Medicare Advantage Plans (Part C) will combine your hospital and medical coverage with your drug coverage.

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Medicare Advantage

Medicare Advantage Plans, or Medicare Part C, are offered by private insurance companies and cover the same services as Medicare A & B, and can also cover Part D prescription drug coverage.

Medicare Advantage plans can also include additional services not covered by Medicare.

Medicare Advantage Plans

  • This Medicare Advantage Plan has contracted doctors and hospitals, but it allows you to choose any doctor who accepts Medicare beneficiaries. You may pay higher copayments and coinsurance when seeing an out of network provider.

  • This is a type of Medicare Advantage Plan that combines a high-deductible health insurance plan with a medical savings account. You can use the medical savings account to pay for health care services, while the high-deductible plan limits your out-of-pocket costs.

  • There are three types of these Medicare Advantage plans that are specifically designed for those who:

    • Are eligible for both Medicare and Medicaid (Dual Special Needs)

    • Live in a nursing home or need nursing care at home (Institutional Special Needs)

    • Qualify based on having a chronic condition as designated by Medicare (Chronic Special Needs)

  • This type of Medicare Advantage Plan requires you to use doctors and facilities that are contracted by your plan for all non-emergency care.