Why You Are Really Here

At this point, you have probably done some Medicare research, talked to people you know and have a pretty good idea of what direction you want to go.

However, you still have a few questions before you are ready to enroll.

We have been guiding enrollees through the maze of Medicare for over 14 years and some of the questions we are asked most often are listed below. See if any of these apply to you.

Here are 5 of the most commonly asked questions asked by Medicare enrollees: 

  • I'm turning 65 but not retiring, do I need to go on Medicare?
If you have “creditable coverage” with your employer, you do not have to enroll in Medicare at age 65. However, it is worth comparing your coverage to individual plans to see which one has the better rate. Read our article: Do you have to take Medicare at 65 if you're not retiring until 66?
  • Are you sure I won't have any penalties?
As long as you have “ creditable coverage ”, you will not pay any penalties for enrolling in Part B or Part D after you turn 65.
  • I know I want a Medicare supplement, how do I find the rates?
You can go to each company’s website and request a quote, or you can contact an independent broker/agent who can show you a comparison of all plans in the area . Some of the rates are listed on the Department of Insurance websites for each state, however, I have found the list to be incomplete and sometimes outdated. An independent broker/agent can help you find discounts that may not be listed as well.
  • I know I want a Medicare Advantage Plan, how do I compare plans?
The easiest way is to contact an independent broker/agent who can compare the plans for you. You can also review the plans on Medicare.gov.

  • Do I need Part D, or prescription plan, if I choose a Medicare Advantage plan?
If you choose a Medicare Supplement, you will need to enroll in a Part D plan. Most Medicare Advantage plans have prescriptions included so you will not enroll in a separate Part D plan in that case. Again, you can contact an independent broker/agent to help you compare plans or you can go to Medicare.gov to compare.

Still Asking "What Should I Do?"

Attend one of our FREE Medicare Seminars!

Each Seminar has about 15 hours of research condensed into 1 hour!  It is definitely value filled!
"Stephanie and her staff were so helpful!  They helped me find the best options for me and my lifestyle.  I highly recommend them to anyone who needs help choosing a plan!"
- Sam P. 

Already on Medicare and Want to Know More About Available Discounts?

If this is you, I'm sure you get frustrated every year because you know what Medicare is, and what Medicare does, but you really want to know if you are paying too much for your Medicare Supplement, or leaving benefits like Part B Reimbursement for your Medicare Advantage plan on the table because you didn't know!

It happens all the time.  Here's why:

The Centers for Medicare & Medicaid Services (CMS) will not allow anyone to publish specific comparisons between plans  on websites or social media showing the discounts and benefits without directly speaking to the enrollee.  There is only one easy way to find that out!!......So, contact a licensed broker/agent today .  Once we know your area, you will answer a couple of questions and find out what you are missing!
Call:       636-778-2999​​​​

Email:    [email protected] ​​​​​​​

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