Moving to Medicare after a lifetime of insurance through your employer can be a scary thing. We meet people who have unnecessarily double or even triple-insured themselves. It’s usually done out of anxiety over how Medicare will cover their healthcare needs. Let us help you find the perfect coverage for your needs! 

“Medicare was not intended to pay for everything, there are gaps. Find your ideal coverage with Medicare Supplement or Medicare Advantage plan.”

Medicare is good when paired with the right coverage

We have worked with Medicare-related insurance products for many years now, and we are happy to report that Medicare combined with the right supplemental insurance is some of the best coverage you will ever have!

Understanding the Basics of Medicare Coverage

What is Medicare ?

Medicare is a government-sponsored health insurance program for Americans, citizens legal residents, who are at least 65 years old, or who qualify by disability or certain conditions.  The basic program of Medicare includes Part A (hospital insurance) and Part B (medical insurance).

  • Medicare Part A, hospital insurance, covers services like inpatient hospital care, skilled nursing facility care, hospice service and limited home healthcare

  • Medicare Part B, medical insurance, covers services and supplies for outpatient care, mental health services, lab tests, doctor visits, medical equipment and preventative services. ​

  • Medicare Part C, Medicare Advantage for private health plans, covers everything Parts A and B cover and more. Part C usually cover more of the costs you’d have to pay for out of pocket with Original Medicare and Part C plans put a limit on what you pay out of pocket in a given year. Most of these plans will also cover preventive dental, vision and hearing costs which Original Medicare, Part A and B, does not cover.

  • Medicare Part D, prescription drugs insurance, covers commonly used brand-name and generic drugs. Some plans may cover more drugs than others.

Why do I Need Medicare?

Medicare Advantage plans can serve as your “one-stop” center for all your health and prescription drug coverage needs.  Medicare may pay at least a portion of the service or item under certain conditions. 


Don't delay your enrollment or you could be paying higher premiums when you eventually do enroll, and you'll have to wait until an open enrollment period in order to have access to coverage

Working with the right financial advisor will help you secure the right coverage you need!  We are here to make sure your healthcare needs are covered.

How do I get Medicare?

Many people don’t have to do anything to get enrolled in Original Medicare! If you’re already receiving Social Security or certain retirement benefits, you’re automatically enrolled when you turn 65.

If you’re disabled, you’re automatically enrolled when you reach your 25th consecutive month of receiving disability benefits. You may also qualify for Medicare under the age of 65 if you have certain conditions.

Once you’re enrolled in Original Medicare, you can decide to add to your coverage by enrolling in a Medicare Part D Prescription Drug Plan and/or a "Medigap" plan. Or, you might decide to enroll in a Medicare Advantage plan. There are different enrollment periods for these options.

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This information is presented in connection with the promotion or marketing of the matters addressed on this website. The information cannot be used or relied upon for the purpose of avoiding IRS penalties. This is not intended to provide tax, accounting or legal advice. As with all matters of a tax or legal nature, please consult your own tax or legal counsel for advice.

This material intended for education purposes only and is not intended to serve as the basis for any investment or purchasing decision.  Annuities are designed to meet long-term needs for retirement income. They provide guarantees against the loss of premium and credited interest, and the reassurance of a death benefit for beneficiaries. Product features vary by state and restrictions may apply, including possible withdrawal charges. Positive index adjustments may be limited to a monthly maximum or participation rate.


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