Medicare can be complex. We can help you.

Medicare is a federal health insurance program for eligible Americans. There are plenty of terms, options, and letters - but there's no need to fret!

Our licensed and experienced agents have helped the community for over 10 years and are here to guide you through your Medicare options, to help you understand your coverage choices, and find the best coverage for you.

What are my options?

What are the different parts of Medicare?

- Parts A and B are often referred to as "Original Medicare". Part A helps pay for hospital claims (which makes Part A also known as "Hospital Insurance"), and most people have paid for their Part A premiums through payroll taxes while in the workforce. Part B ("Medical Insurance") helps you to pay for things like doctor visits, preventive screenings and durable medical equipment. The government sets the monthly premium for Part B. Your Part B premium can vary based upon your income.

- Part C plans, also known as Medicare Advantage plans, are 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. Part C plans are an alternative to Original Medicare. Along with covering doctors and hospitals, many Part C plans also include coverage for prescription drugs.

- Part D plans are Medicare-approved private plans that help people who have Parts A and B to pay for prescription drugs. Part D plans are available through private insurance companies.

Medicare Qualification Factors

In order to qualify for Medicare, you must meet one of the following criteria:

• - Aged 65 or older
• - Age is under 65 but with certain disabilities
• - Any age with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant)

If you are interested in a Medicare Supplement or Medicare Advantage plan or would like to review your current coverage, speak to one of our senior insurance specialists today, who can help guide you through Medicare and help find a plan that fits your individual needs.