Medicare is not easy to understand, and the rules change every year. Health care and health insurance mean different things to different people. What’s right for one person may not be suitable for another, and there is no one-size-fits-all solution. Each person, each case, and each situation needs a knowledgeable licensed insurance agent who knows the plans and programs to guide them around the slippery slopes and the pitfalls in the system today. Our mission is to help you make sense of it all, and determine your needs for this stage of life as your circumstances change.

Medicare is a federal health insurance program for individuals 65 or older, under 65 who have a qualifying disability, and of any age with a diagnosis of End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS, also called Lou Gehrig’s disease).

There are four parts to Medicare: A, B, C, and D. Each part covers different aspects of healthcare. You can enroll in one or more parts of Medicare, but commonly people begin by enrolling in Parts A and/or B, as these cover the majority of services. If you plan to continue working after age 65, ask your agent about when to enroll. You do not usually have to pay a monthly premium for part A, but this can vary based on income. With Medicare alone you will have to pay copayments or a deductible. You can apply for assistance or help if you can’t pay.