Medicare Made Easy
Take Control of your Healthcare
Medicare Part A
Hospital insurance covers inpatient hospital stays including acute hospital, skilled nursing, inpatient mental health care, and hospice.
WHAT DOES MEDICARE COVER?
Traditional Medicare provides basic coverage, but there are gaps leaving you responsible for some portion of your healthcare costs. Because of these gaps, many people enroll in a Medicare Advantage or Medigap Supplemental Plan that helps pay for costs not covered by traditional Medicare.
Medicare Part B
Medical insurance which covers doctor visits, surgeries, lab work, scans, chemotherapy, home health services, ambulance, preventive services, and annual wellness visits.
Medicare Part C
Medicare Advantage covers everything Part A & B covers but with a different deductible, co-pays, and co-insurance structure.
Medicare Part D
Medicare Part D is your Rx drug coverage. You can enroll in a standalone prescription drug plan or enroll in a Medicare Advantage plan that includes Part D coverage.
WHY WORK WITH US
Our Core Values-This defines not only who we are but how we treat all our policy holders and clients
- Integrity We build trust through complete honesty, transparency, and ethical decisions in every client interaction, from explaining plans to recommending the best coverage based on medications and providers.
- Accountability We own our actions, deliver on commitments, correct mistakes promptly, and lead by example to foster lasting client relationships.
- Respect We treat every client, colleague, and partner with kindness, dignity, and empathy—especially understanding that the Medicare journey can be confusing for seniors, and offering patience and grace.
- Hustle We move quickly, stay proactive, anticipate needs, and go the extra mile to ensure clients receive timely, exceptional service.
- Adaptability We embrace change—new regulations, plans, and client needs—with continuous learning and flexibility to stay ahead and deliver the best solutions.
- Positivity We cultivate optimism and support in everything we do, inspiring confidence, strengthening teamwork, and remembering that life is precious—every day is an opportunity to make a positive impact.
Medicare Coverage Options
Understanding Medicare Parts A, B, C and D is just the beginning. Let’s review how the parts fit together to provide the coverage you need.
Medicare Advantage
Offered by private companies
Medicare Advantage works a lot like the health insurance you’ve always had.
There are a lot of Medicare Advantage plans to choose from depending on where you live. Plans are offered by private insurance companies approved by Medicare but the premiums are set, so using a broker doesn’t increase your costs. It just gives you the inside track to find the right plan for you.
Each Medicare Advantage plan is different but they all cover everything that traditional Medicare (Parts A and B) does. With a Medicare Advantage plan, you can elect to get coverage for additional benefits.
There are a lot of plans to choose from and you can change plans during Open Enrollment every year, so you’re not locked in for a lifetime.
All Medicare Advantage and Prescription Drug Plans receive an annual star rating from the Center for Medicare and Medicaid Services (CMS) to help recipients make better decisions about their health care coverage based on quality and performance.
Medicare A & B + Medigap
Offered by private companies
Medigap is also known as Medicare supplemental insurance.
The purpose of Medigap is to fill the gaps left by Medicare Plan A & B leave. Unlike Medicare Part A and B, Medigap is private insurance that works with your Medicare coverage.
There are 10 Medicare supplement insurance plans, labeled “A” through “N.” not to be confused with the Medicare Part A, B, C, and D plans. Each of the Medigap plans and what they cover are regulated by the federal government.
Each Medigap A – N plan provides the same benefits, no matter which insurance company sells it, the difference in the cost is based on the carrier who provides the coverage. Your costs are not higher by using a broker, your costs are determined by the insurance carrier providing the policy.
Medicare Coverage Options
Original Medicare with prescription drug coverage (optional)
Original Medicare for hospital, doctor and outpatient service coverage, with optional Part D
prescription drug coverage purchased separately
