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Most people do not pay a premium for Part A (Hospital Insurance). This is also known as “premium-free Part A. If you or your spouse paid Medicare taxes for less than 10 years total, you will have a monthly cost for Part A of $433 (2019) per month.
Medicare Part B (Medical Insurance) helps cover:
Services from doctors and other health care providers
Home health care
Mental health (inpatient, outpatient, partial hospitalization)
Durable medical equipment
Some preventive services
You are required to have Part A and Part B.
A Medigap policy is limited to just one individual. Spouses must purchase a separate policy.
It’s essential to compare Medigap policies since the expenses may differ and costs might go up as you get older. A few states limit Medigap premium costs.
You can’t have prescription drug coverage in both your Medigap policy and a Medicare drug plan.
In addition to your monthly Part B premium that you pay to Medicare, you pay the private insurance company a premium (monthly, quarterly, semi-annual, or annual).
Benefits included in parts A & B of Medicare.
May include prescription drug coverage (typically).
May have extra benefits such as fitness membership, dental, or vision coverage (not included in Medicare).
Must follow Medicare rules.
Run by private insurance companies approved by Medicare.
A drug benefit program which provides outpatient prescription coverage for individuals on Medicare Part D is governed by Centers for Medicare and Medicaid Services (CMS), but administered by private insurance companies.
Individuals can shop for stand-alone prescription plans or Medicare Advantage Plan that include drug coverage (MAPD).
Medicare Part D is optional. However, penalties may apply in the future for not having Part D coverage or creditable coverage through a group or your employer’s plan.
You will only hear from us, receive correspondence from us, and work with us. We do not share information with any other site or service. Our relationship with you is personal to us and we want to keep it that way. We also provide unprecedented information on plans and carriers that most brokers won’t share because it doesn’t fit their sales pitch.
It’s 100% Free! We are compensated by the different carriers when you enroll in a plan
No, depending on what state you live in, your gender, your age, even your zip code will determine the carrier that may fit you best. We do not recommend carriers; we make sure you are educated about the criteria that will affect your decision and then assist you in enrolling with that carrier.
We work with over 30 carriers but have even helped enroll individuals with carriers we do not work with.
A licensed Medicare Educator is available to assist with your questions.
Medicare is the biggest health insurance program offered by the government. It serves more than 52 million people.
Medicare is run by the Centers for Medicare and Medicaid Services. Both are part of the U.S. Department of Health and Human Services.
Medicare is divided into four parts (A, B, C, and D). Parts A and B are known as “Original Medicare”.
Medicare covers a wide range of people. It covers U.S. citizens who are age 65 or older, people who qualify due to a disability and anyone of any age with end-stage renal failure.
Once you qualify for Medicare, there are certain rules on when you can enroll. When you turn 65, you are eligible for parts A and B (even if you are still currently working). You might be eligible for Medicare because your spouse is a “qualified wage earner”, or someone who has had Social Security taxes withheld and worked for 10 years.
Most likely, you have already paid for Part A through paycheck deductions during your years in the workforce. However, some people must sign up for part A and might have to pay a premium. When you turn 65, the majority of Medicare recipients need to sign up and then pay a monthly premium for part B. If you have health coverage through your employer, you should contact your employer to find out if your health coverage works with Medicare.
Finding the right Medicare plan can be confusing and frustrating. We are here to help you. What does it cost? It’s free! We receive compensation from insurance carriers. Our main concern is finding the right plan for you. Fill out the contact form or give us a call.
Just some of the great carriers we work with!
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Not connected with or endorsed by the United States government or the federal Medicare program. Medicare has neither reviewed nor endorsed this information. This website and its contents are for informational purposes only. By contacting us online, you consent to receive phone calls from a licensed insurance representative regarding Medicare Supplement, Medicare Advantage, & Medicare prescription drug plans even if you are on the Do Not Call Registry.