Medicare is a health insurance program for:People age 65 or older,People under age 65 with certain disabilities, andPeople of all ages with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant).Medicare has:Part A Hospital Insurance: Most people don't pay a premium for Part A because they or a spouse already paid for it through their payroll taxes while working. Medicare Part A (Hospital Insurance) helps cover inpatient care in hospitals, including critical access hospitals, and skilled nursing facilities (not custodial or long-term care). It also helps cover hospice care and some home health care. Beneficiaries must meet certain conditions to get these benefits.Part B Medical Insurance: Most people pay a monthly premium for Part B. Medicare Part B (Medical Insurance) helps cover doctors' services and outpatient care. It also covers some other medical services that Part A doesn't cover, such as some of the services of physical and occupational therapists, and some home health care. Part B helps pay for these covered services and supplies when they are medically necessary.Prescription Drug Coverage: Most people will pay a monthly premium for this coverage. On January 1, 2006, Medicare prescription drug coverage became available to everyone with Medicare. This coverage is to help you lower prescription drug costs and help protect against higher costs in the future. Medicare Prescription Drug Coverage is insurance. Private companies provide the coverage. Beneficiaries choose the drug plan and pay a monthly premium. If a beneficiary decides not to enroll in a drug plan when they are first eligible, they may pay a penalty if they choose to join later.This information comes from www.cms.govBy contacting the phone number on this website, you will be directed to a licensed insurance agent.

Medicare Advantage Plans, sometimes called Medicare Part C, are health plan options that are part of the Medicare program. If you join one of these plans, you generally get all your Medicare-covered health care through the Medicare Advantage Plan. This coverage can include prescription drug coverage. Medicare Advantage Plans include:Medicare Health Maintenance Organization (HMOs)Preferred Provider Organizations (PPO)Private Fee-for-Service PlansMedicare Special Needs PlansWhen you join a Medicare Advantage Plan, you use the health insurance card that you get from the plan for your health care. In most of these plans, there generally are extra benefits and lower co-payments than in the Original Medicare Plan*. Most Medicare Advantage Plans are managed care plans, usually a health maintenance organization (HMO) or a preferred provider organization (PPO), and you may have to see doctors that belong to the plan or go to certain hospitals to get services.To join a Medicare Advantage Plan, you must have Medicare Part A and Part B. You will have to pay your monthly Medicare Part B premium to Medicare. In addition, you may have to pay a monthly premium to your Medicare Advantage Plan for the extra benefits that they offer. In 2026, the standard Part B premium amount is $202.90 (or higher depending on your income). However, some people who get Social Security benefits pay less than this amount. When can I enroll?Keep in mind that Medicare limits when you can join, switch, or drop a Medicare Advantage Plan. You can join a plan when you first become eligible for Medicare. This is anytime beginning three months before the month you turn 65 and ends three months after the month you turned 65. For example, if you turn 65 on May 5, your eligibility period starts on February 1 and ends on August 31.If you are disabled and have Social Security Disability Insurance, you can join an advantage plan three months before to three months after month 25 of your disability.You can switch or drop your Medicare Advantage during an enrollment period between October 15 and December 7 of each year.This information was obtained from www.medicare.gov * Page 2 https://www.medicare.gov/Pubs/pdf/12026-Understanding-Medicare-Advantage-Plans.pdf By contacting the phone number on this website, you will be directed to a licensed agent. Not affiliated with or endorsed by the Government or Federal Medicare Program.

A Medicare Supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like co-payments, coinsurance, and deductibles.If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Your Medigap policy pays its share. A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.What you need to know about Medicare Supplement policiesYou must have Medicare Part A and Part B.If you have a Medicare Advantage Plan, you can switch to a Medicare Supplement insurance policy during certain enrollment periods or if you meet certain criteria (underwriting may apply), but make sure you can leave the Medicare Advantage Plan before your Medicare Supplement insurance policy begins.You pay the private insurance company a monthly premium for your Medicare Supplement insurance policy in addition to the monthly Part B premium that you pay to Medicare.A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you'll each have to buy separate policies.You can buy a Medicare Supplement insurance policy from any insurance company that's licensed in your state to sell one.Any standardized Medicare Supplement insurance policy is guaranteed renewable even if you have health problems. This means the insurance company can't cancel your Medicare Supplement insurance policy as long as you pay the premium.Medicare Supplement insurance policies sold after January 1, 2006 aren't allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D).It's illegal for anyone to sell you a Medigap policy if you have a Medicare Advantage Plan, unless you're switching back to Original Medicare.Information obtained from www.medicare.govBy contacting the phone number on this website, you will be directed to a licensed agent.

You can sign up for Part D Prescription Drug Plans, which help cover prescription drug costs, along with other components of Medicare, starting three months before your 65th birthday, or if you are under 65 and eligible for Medicare. It's important to do this on time because there may be a permanent premium surcharge for enrolling after your initial enrollment period if you don't have equivalent drug coverage from another source, such as a retiree plan. Let us help you with your enrollmentIf you are already enrolled in a Part D "standalone" plan or a Medicare Advantage plan that incorporates drug coverage, you can switch plans during the open-enrollment period, which runs from Oct. 15 to Dec. 7 every year. Making Part D workYour out-of-pocket spending on covered drugs will be capped at $2,100 in 2026. This means that once you reach $2,100 in prescription expenses, you will not have additional out-of-pocket costs for the remainder of the year. This cap is aimed at helping individuals manage high prescription costs throughout the year.  You will continue to pay consistent cost-sharing percentages in the initial phase. The deductible is also rising slightly to $615 for many plans, although this may vary depending on individual plan details. Part D drug benefits in 2026 are structured into three phases:Annual deductible. If your plan has a deductible, you will pay 100% of your gross covered prescription drug costs until the annual deductible is met. Initial coverage. Once the annual deductible is met, you will pay 25% coinsurance for covered Part D drugs. This phase ends when you have reached the annual out-of-pocket cap of $2,100 for 2026. Catastrophic. Once you meet the $2,100 out-of-pocket cap, you will pay no cost sharing for covered Part D drugs.These updates aim to make Part D costs more predictable and manageable, especially for those with high-cost medications. The changes are part of the broader Inflation Reduction Act adjustments, which bring greater financial relief to Medicare enrollees in need of costly prescriptions.Choosing a planIt pays to review your Part D coverage every year, especially if you have started taking new drugs. Start at Medicare.gov, where you can find the basics about the benefit and Part D plans. There's a link to the Medicare Part D Plan Finder, which allows you to compare offerings and coverage options in your area and includes a helpful formulary finder that allows you to compare plans based on their coverage of your personalized list of drugs. It will even show you your monthly out-of-pocket drug cost for the year.Call us to help you understand your options.Getting financial helpIndividuals with 2025 annual incomes of less than $23,475 and financial resources of up to $17,600 or married couples with incomes of less than $31,725 and financial resources of up to $35,130 might qualify for Extra Help from Medicare to pay their Part D premiums and out-of-pocket drug costs.See Medicare's instructions on applying for the Extra Help program.Additionally, read about the ways to lower your drug costs on Medicare.gov.This information was obtained from www.medicare.gov By contacting the phone number on this website, you will be directed to a licensed agent.NOT AFFILIATED WITH OR ENDORSED BY THE GOVERNMENT OR FEDERAL MEDICARE PROGRAM.

Generally, you are eligible for Medicare if you or your spouse worked for at least 10 years in Medicare-covered employment and you are 65 years old and a citizen or permanent resident of the United States.If you are not 65, you might also qualify for coverage if you have a disability or end-stage renal disease (permanent kidney failure requiring dialysis or transplant).Here are some simple guidelines. You can get Part A at age 65 without having to pay premiums if:You already get retirement benefits from Social Security or the Railroad Retirement Board.You are eligible to get Social Security or Railroad retirement benefits but have not yet filed for them.You or your spouse had Medicare-covered government employment.If you are under 65, you can get Part A without having to pay premiums if:You have received Social Security or Railroad Retirement Board disability benefits for 24 months.You are a kidney dialysis or kidney transplant patient.While you don’t have to pay a premium for Part A if you meet one of those conditions, you must pay for Part B if you want it. It is deducted from your Social Security, Railroad Retirement, or Civil Service Retirement check. If you don’t get any of the above payments, Medicare sends you a bill for your Part B premium every 3 months.Have questions? Give us a call and let us help you with your Medicare Health insurance needs. By contacting the phone number on this website, you will be directed to a licensed agent.

Medicare Advantage is a type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits.Medicare Advantage Plans include the following:Health Maintenance Organization (HMO) PlanIn most HMO Plans, you can only go to doctors, other health care providers, or hospitals on the plan's list except in an emergency, for out-of-area urgent care, or for temporary out-of-area dialysis. You may also need to get a referral from your primary care doctor to see other doctors or specialists. Find and compare HMO Plans in your area. Preferred Provider Organization (PPO) PlansA Medicare PPO Plan is a type of Medicare Advantage Plan (Part C) offered by a private insurance company. In a PPO Plan, you pay less if you use doctors, hospitals, and other health care providers that belong to the plan's network. You pay more if you use doctors, hospitals, and providers outside of the network.Private Fee-for-Service (PFFS) PlansA Medicare PFFS Plan is a type of Medicare Advantage Plan (Part C) offered by a private insurance company. PFFS plans aren’t the same as Original Medicare or Medicare supplement. The plan determines how much it will pay doctors, other health care providers, and hospitals, and how much you must pay when you get care.Medicare Special Needs (SNP) PlansMedicare SNPs are a type of Medicare Advantage Plan (like an HMO or PPO). Medicare SNPs limit membership to people with specific diseases or characteristics, and tailor their benefits, provider choices, and drug formularies to best meet the specific needs of the groups they serve. Find out who can join a Medicare SNP These definitions are directly from www.medicare.govBy contacting the phone number on this website, you will be directed to a licensed insurance agent.

Medicare Supplement policies (also known as Medigap policies) are standardized and must follow federal and state laws designed to protect you. Insurance companies can only sell you a “standardized” policy identified in most states by letters (see the chart below).  All policies offer the same basic benefits, but some offer additional benefits, so you can choose which one meets your needs. As you can see in this comparison chart, there are many options from which to choose. As licensed insurance agents, we can help you understand the differences between the plans so that you can decide on the right plan for you.  In Massachusetts, Minnesota, and Wisconsin, Medigap policies are standardized in a different way. Did you know that each insurance company decides which Medigap policies it wants to sell, and state laws affect which ones they offer? Insurance companies that sell Medigap policies: Don’t have to offer every Medigap plan.Must offer Medigap Plan A if they offer any Medigap policyMust also offer Plan C or Plan F to people who were eligible for Medicare before January 1, 2020, but haven’t yet enrolled.People new to Medicare on or after January 1, 2020 have the right to buy Plan D or G instead of Plan C or F. Keep in mind that Medigap policies may cover Medicare Parts A & B coinsurance after you’ve paid the deductible (unless the Medigap policy also pays the deductible).