Medicare

Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).

Contact one of our qualified Medicare agents today to find out what coverage is available to you.

The different parts of

MEdicare

help cover specific services:

Medicare Part A
(Hospital Insurance)

Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

Medicare Part B
(Medical Insurance)

Part B covers certain doctors’ services, outpatient care, medical supplies, and preventive services.

Medicare Part C
(Medicare Advantage Plans)

A Medicare Advantage Plan 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 Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans. If you’re enrolled in a Medicare Advantage Plan, Medicare services are covered through the plan and aren’t paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage.

Medicare Part D (Prescription Drug Plan)

Part D adds prescription drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private-Fee-for-Service Plans, and Medicare Medical Savings Account Plans. These plans are offered by insurance companies and other private companies approved by Medicare. Prescription Drug Plan may also offer prescription drug coverage that follows the same rules as Medicare Prescription Drug Plans.

8 things to consider when

Choosing or changing your coverage

Coverage

Does the plan cover the services you need?

Your Other Coverage

If you have other types of health or prescription drug coverage, make sure you understand how that coverage works with Medicare (primary vs secondary). If you have employment-related coverage, talk to your benefits administrator or insurer before making any changes.

Costs

How much are your premiums, deductibles, and other associated costs? How much do you pay for services like hospital stays or doctor visits? Is there an annual limit on what you could pay out-of-pocket for medical services? Does this health plan fit into your financial budget/strategy?

Doctor And Hospital Choice

Are your preferred doctors in network? What happens if they are out of network or don’t accept specific plans? Do you have to choose your hospital and health care providers from a network? Do you need to get referrals?

Prescription Drugs

Do you need to join a Medicare Prescription Drug Plan? Will you pay a penalty if you join a drug plan later? What will your prescription drugs cost under each plan? Are your drugs covered under the plan’s formulary ?

Quality Of Care

Are you satisfied with your existing medical care? How important is it to you to see doctors swiftly? How important is it for your to have a US based customer service line?

Convenience

Where are the doctor’s offices? What are their hours? Which pharmacies can you use? Can you get your prescriptions by mail? Is your preferred pharmacy in the plan’s network?

Travel

Will the plan cover you if you travel to another state or outside the U.S.?

We do not offer every plan available in your area. Currently, we represent # organizations which offer # products in Indiana. Please contact Medicare at medicare.gov or 1-800-MEDICARE (TTY users can call 1-877-486-2048) or Indiana State Health Insurance Assistance Program (SHIP) at 1-800-452-4800 for help with your plan choices.”

Though we are contracted and certified with most MAPD and PDP plans in Indiana, we are not certified to sell ALL plan available in your area. Some plans do not work through Independent Agents. However, we use Medicare.gov to present all plans available for sale in your county. Should a plan that we are not certified to sell meet your needs, we will provide the non-member 800 number for that plan so you can enroll through one of the plan’s agents, or you can self-enroll through Medicare.gov or by calling 1-800-MEDICARE.

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MEdicare

The different parts of

MEdicare

help cover specific services:

8 things to consider when

Choosing or changing your coverage

Are You Ready To

Reach Your Goals?