Medicare; Getting You Started Right

Let us help you understand your Medicare options

• What you need to know about Medicare
• How Medicare Works
• Your Medicare coverage options
• Prescription drug coverage facts
• How and when you enroll

Learn about your Options

You will soon be eligible for Medicare. It may seem like a long way off, but now is the time to get the facts. We're here to help you understand your options before you enroll - so you can make an informed decision.

Did You Know...

• You only have three months before and after your 65th birthday to enroll in Medicare Part A and Part B without paying a penalty without Employer provided benefits
• Enrollment is not automatic - You must sign up to avoid a lapse in coverage
• Medicare was never meant to cover all your medical expenses
• We can help you make the right decisions

Cover Expenses Medicare Doesn't

You can get additional coverage that meets your individual needs and helps protect your finances from unforeseen expenses. 

Know your coverage options
When you become eligible for Medicare Parts A and B, you can choose added coverage from a private insurance company:

• Medicare Supplement policies pay the deductible, coinsurance and/or copayment on expenses that are covered by Medicare Part A or B.
• Medicare Advantage plans (also known as Part C) replaces Part A and B with added benefits
• Prescription drug coverage (also known as Part D) helps pay for the medications prescribed by your doctor

Take Medicare to the next level with additional coverage options

Enhance original Medicare to help protect yourself from the medical expenses it doesn't cover

Prescription drug coverage (PartD)

Medicare Part D (prescription drug plans) can help cover the cost of prescription drugs, not covered by other plans

• Offered as part of Medicare Advantage plans
• Can be purchased separately - with or without a Medicare Supplement plan
• Typically includes coverage for generic and brand-name drugs

Medicare Advantage Plans (Part C)
Medicare Advantage plans include Parts A (hospitalization) and B (doctor visits) with added benefits.

Choose an all-inclusive plan:

• Get more benefits than medicare alone, including:
  • Extra Days in the hospital
  • Prescription drugs
  • Vision, dental and hearing
• Medicare Advantage premiums are often less than Medicare supplement premiums

Medicare Supplement Plans

Medicare Supplement policies pay the deductible, coinsurance and/or copayment on expenses that are covered by Medicare Part A or B

Fill in gaps in coverage:

• Part A and B are administered by Medicare; your supplemental coverage is administered by your insurance company
• Plans are available to fit a wide range of budgets and needs
• Many out-of-pocket expenses mitigated
• Plans benefits are standardized by the government

How do you know what's right for you?

Just complete this easy 2-minute checklist to find out

Understanding your Medicare options can be confusing. That's why we're here to help with expert advice and straightforward tools so you can evaluate your needs and make an informed decision. Here's how:

1. Complete the checklist below
2. Review your results to get a better idea of the coverage best suited for you
3. Call us to get answers to your questions