What it covers, where the gaps are, and how we help you choose.
Medicare is the federal health insurance program for people 65 or older, younger people with disabilities, and people with End Stage Renal Disease.
Medicare Parts A and B cover 80% of medical costs and do not cover prescription drugs.
We show you exactly what needs to be done, how to pick a plan, and how to keep things simple. You can set up a meeting — face to face or virtual — or a phone call, learn more about Medicare insurance, and explore your options.
Every situation is unique. Getting this right matters, because there can be lifetime penalties. We are independent advisors. We can evaluate Medicare plans and select competitive insurance companies with strong prices. We have no sales quotas, no proprietary products, and no hidden agendas.
Medicare Open Enrollment 2027Part A is one of two parts that make up Original Medicare. Part A helps cover inpatient care in hospitals, skilled nursing facilities, hospice care, and some home health care.
Part A cost: free with 40 work quarters. Annual deductible of $1,676.
Part B is the second half of Original Medicare. Part B helps cover certain services from doctors and other health-care providers, outpatient care, home health care, durable medical equipment, and some preventive services. There is a Part B annual deductible of $257. Carriers include Jefferson & Highmark Blue Cross and Humana.
Part B cost: $185/mo.
Part C covers all Part A and Part B benefits and services. It may offer additional coverage, like vision, hearing, and dental, and may also include Medicare prescription drug coverage. Medicare Advantage plans are offered through Medicare-approved insurance companies. Options vary based on the county where you live.
Like Part C, Part D is run by Medicare-approved private insurance companies. Part D helps cover the cost of prescription drugs, and may help lower prescription drug costs and protect against future price increases. Carriers include Cigna, Humana, and others.
Also referred to as Medigap. Plans are standardized into lettered options, Plans A–N, offered through private insurance carriers. Plans G and N are the most popular. Each letter plan is standardized by Medicare, so the benefits for a particular letter are the same no matter which company you purchase it from. Cost varies between companies. We shop the best rates for the zip code where you live.
Set up a meeting in person, by video, or by phone. There is no charge for our service — we are compensated through the private carriers.
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