Selecting the right Medicare coverage for your needs can be a complex process that can quickly leave anyone's tank empty. Don’t try to execute it all on your own. That's why we're here to walk alongside you as you begin this new journey.
As YOUR LOCAL MEDICARE AGENT, you won’t need to rely on a 1-800 number. From Medicare to life insurance, we are committed to serving you and meeting your needs, whatever they may be.
ABC’s of Medicare
Part A
Government-provided Medicare that covers hospitalization, inpatient stays, and hospice.
Part B
Another government-provided Medicare that covers doctor visits, lab tests, screenings, medical equipment, telehealth services, mental health, and more.
Part C
Also known as Medicare Advantage, Part C is not a part of Original Medicare (Part A and B). It is provided by a private carrier and often contains access to additional coverage like vision, dental, and some prescription drugs.
Part D
This prescription drug benefit, covers a majority of outpatient prescriptions.
Discover the options available to you. Schedule a meeting with Miranda.
We work with most major insurance carriers. However, we do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1–800–MEDICARE to get information on all of your options.
Frequently asked Questions about Medicare
Who is eligible for Medicare?
Individuals who are 65 or older are eligible for Medicare, as well as some younger individuals with disabilities or End-Stage Renal Disease.
When can I enroll in Medicare?
There are four enrollment periods for Medicare. 1) Initial Enrollment Period – begins 3 months before your 65th birthday and ends 3 months after the month that you turn 65. 2) Annual Enrollment Period – begins October 15 and ends December 7 each year. 3) Open Enrollment Period – allows you to make a one-time change to your Medicare Advantage Plan from January 1 through March 31 4) Special Enrollment Periods – are available under certain circumstances throughout the year, such as moving out of your existing plan’s service area or retiring from a job that previously provided your benefits.
What is the difference between a Medicare Advantage plan and a MedSup plan?
Medicare Advantage plan offer both Medicare Parts A and B coverage. They may also offer additional benefits like prescription drug coverage, dental, and vision coverage. With Medicare Advantage you will have copays, deductibles, and premiums. Medicare Supplement, or Medigap, is additional insurance that fills the gaps in Original Medicare to help reduce your out-of-pocket expenses.
While both Medicare Advantage and Medicare Supplement are sold through private insurance companies, they cannot be used together. Our agents can help you determine which plan type is best suited for your needs and budget.
How do I get my prescriptions at a lower cost?
Prescription costs vary based on each plan’s formulary. We can review your plan to determine if you have the most cost-effective plan for your needs. Additionally, there are a variety of programs that can help reduce your out-of-pocket drug expenses. We would be happy to meet with you to discuss what options are available and best for you.
Can I delay Medicare Part B if I have other coverage?
There are a handful of situations that allow you to delay Medicare Part B penalty-free, like having group health plan coverage through an employer or spouse’s employer, or having TRICARE and being an active duty service member.
Miranda is ready to answer all of your Medicare coverage questions answered.
Caring for your needs also means caring for your loved ones. Our desire is to offer the best family and individual life insurance coverage. Life insurance is not one-size-fits all. Meet with us to learn your options.
Health Insurance
The Affordable Care Act (Obamacare) has opened up numerous options for individuals and families looking for the proper amount of health insurance coverage. Let the Assurance Station be your one-stop for coverage before you turn 65.
Supplemental Insurance
Supplemental policies pay benefits directly to you, unless otherwise assigned, to help with medical copays, coinsurance, deductible as well as everyday expenses such as utility bills, groceries, and childcare. Plans offered are Hospital Indemnity, Critical Illness, Accident and others.
Contact Assurance Station
Meet with a representative for a thorough needs analysis and to review insurance options that give you the ideal coverage for your unique situation.
