Individual Coverage

What is Medicare?

Medicare is a federal health insurance program that is available to U.S. Citizens or someone lawfully present in the United States:

• At age 65
• After receiving Social Security Disability for two years
• To someone that has end stage renal disease

Medicare has Four Basic Parts:

• Medicare Part A (Federal) - Hospitalization - As long as you or your spouse worked for 10 years or 40 quarters and paid Medicare taxes, you will not have a premium for Part A.
• Medicare Part B (Federal) - Outpatient Medical - This does have a monthly premium which is deducted from your social security check, For 2024, the amount is $174.70 per month. However, if your income exceeded $103,000 (single) or $206,000 (joint return) from two years prior to your Medicare effective date, your Part B premium may be higher.
• Medicare Part C (Private Health Insurance) - Medicare Advantage - These are offered to provide lower out of pocket costs for medical services and most also include prescription coverage.
• Medicare Part D (Private Health Insurance) - Prescription - These prescription plans can be offered as a standalone plan or included in Medicare Advantage plans. Medicare itself does not provide prescription drug coverage.
>For more information regarding Medicare Premium Income Adjustments, please click here.
Types of Medicare Plans

As a broker, we work with many insurance companies with a variety of solutions for your coverage; such as Medicare Advantage plans, Medicare Supplements, and Part D prescription plans.

Give one of our experts a call at 800-854-4099 to discuss which plan fits your budget, health needs, and lifestyle the best. > For more information, go to www.medicare.gov or www.cms.gov