Medicare Insurance Home - Medicare Enrollment Center™

MEDICARE PART A

Is health insurance offered by Federal Government to US citizens and legal immigrants who are in US for last 5 years and who are age of 65 and older and to some people under age of 65 with certain disabilities.

MEDICARE PART B

covers medically necessary services and supplies needed for the diagnosis or treatment of your health condition. This includes outpatient services received at a hospital, doctor’s office, clinic, or other health facility.

MEDICARE PART C

They are Medicare-approved private health insurance plans for individuals enrolled in Original Medicare, Part A and Part B. When you join a Medicare Advantage plan, you are still in the Medicare program and must continue paying your Part B premium.

MEDICARE PART D

As a Medicare beneficiary, you don’t automatically get prescription drug coverage. This Medicare Part D coverage is optional, but can be valuable if you take medications. If you don’t sign up when you’re first eligible, you might have to pay penalty.

A Medicare Supplement Insurance (Medigap) policy, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medigap policy pays its share.
A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.

You must have Medicare Part A and Part B.
If you have a Medicare Advantage Plan, you can apply for a Medigap policy, but make sure you can leave the Medicare Advantage Plan before your Medigap policy begins.
You pay the private insurance company a monthly premium for your Medigap policy in addition to the monthly Part B premium that you pay to Medicare.
A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you'll each have to buy separate policies.
You can buy a Medigap policy from any insurance company that's licensed in your state to sell one.
Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can't cancel your Medigap policy as long as you pay the premium.
Some Medigap policies sold in the past cover prescription drugs, but Medigap policies sold after January 1, 2006 aren't allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D).
It's illegal for anyone to sell you a Medigap policy if you have a Medicare Medical Savings Account (MSA) Plan.

Medicare Advantage Plans (like an HMO, PPO, or Private Fee-for-Service Plan)

Medicare Prescription Drug Plans

Medicaid

TRICARE

Employer or union plans, including the Federal Employees Health Benefits Program (FEHBP)

Veterans' benefits

Long-term care insurance policies

Indian Health Service, Tribal, and Urban Indian Health plans

If you decide to drop your entire Medigap policy, you need to be careful about the timing. For example, you may want a completely different Medigap policy (not just your old Medigap policy without the prescription drug coverage), or you might decide to switch to a Medicare Advantage Plan that offers prescription drug coverage.
If you drop your entire Medigap policy and the drug coverage wasn't creditable prescription drug coverage or you go 63 days or more in a row before your new Medicare drug coverage begins, you have to pay a late enrollment penalty when you join a new Medicare drug plan.

June Melbourne, UT

My agent at the Medicare Enrollment Center™ showed me how to eliminate high deductibles and co pays. Now I don’t have to worry about how much a doctor’s bill will be anymore

Doug Schneider, FL

I used to pay a lot of money for my prescriptions. They were able to save me about 75% on those. I can’t thank them enough.

Tim Simmons, VA

“I waited until the last minute and almost went with a plan that wouldn’t have included my doctors. Thankfully, the Medicare Enrollment Center™ was able to put me in the right plan for me.”

Joe Bologna, NY

“Let’s just say I’m over 65 and I had to have eye surgery. It would have cost me over $15,000 had I not had the supplement plan that the Medicare Enrollment Center™ had suggested. I really can’t thank them enough.”

Beatrice Johnson, TX

“I kept getting medical bills in the mail and I didn’t know why. It turns out I was out of network, but needed the treatment. The Medicare Enrollment Center™ got me out of that mess. I can get my treatment and I don’t get (medical) bills anymore. Great job guys.”

Jason Thibodaux, NC

Before we spoke I thought I knew what I needed. Turns out…I was wrong. Just wanted to say thanks for spending so much time with me and straightening me out. Lifetime client for sure.

Esther Bronwlee, LA

“When I used my Supplement Plan G for the first time, I had to go to the emergency room because of an insect bite that wasn’t the usual insect bite (a spider) when leaving the hospital my husband was writing a check for the deductible which he thought would be $1,500, the nurse said to him no sir, your wife is covered with her Medicare A & B, and 100% coverage with her supplement Plan G. So, I had to call my Agent to thank him for not giving up on me. My Husband was very skeptical about the Medicare Enrollment Center, but after he witnessed how the plan worked, he also enrolled into the same supplement plan. Michael (my agent) is an angel, he looked at what mattered to me and my husband and put us in the best possible position for the rest of our lives!”

Medicare is a federal program, managed by the Centers for Medicare & Medicaid Services. It provides health insurance to eligible United States citizens and permanent residents of five or more years. You’re eligible for Medicare if you’re 65 or older, or under 65 with certain disabilities. You may also qualify for Medicare, regardless of age, if you have end-stage renal disease requiring dialysis or a kidney transplant, or amyotrophic lateral sclerosis (also known as Lou Gehrig’s Disease).

A Medigap policy is health insurance sold by private insurancecompanies to fill gaps in Original Medicare coverage. Medigap policies can help pay your share (like coinsurance, copayments, or deductibles) of the costs of Medicare‑covered services.Final expense insurance is an insurance policy used to pay for burial expenses and funeral services when the named insured dies. Such a policy helps ease the financial burden placed on a family when a loved one dies.
Final Expense insurance is a basic issue life insurance policy that covers people until they reach 100 years old. It is quite similar to universal life insurance and is sometimes referred to as graded life or burial insurance with easy issue permanent coverage.
As an inexpensive insurance choice, final expense coverage can be used to cover the funeral and burial costs of the policy holder. Most people who do not want to place a hardship or burden their families with these burial and funeral costs will take out burial insurance polices.