Medicare
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Your Legacy, their Security - Start with Life Insurance today
Life insurance isn’t just a policy - it’s a promise of love, protection, and financial security for the people you care about most. Let’s help you keep that promise
Medicare
Overview
Medicare
Advantage
Medicare
Supplement Plans
While Medicare provides extensive coverage for many healthcare needs, it doesn’t cover everything. Beneficiaries are often responsible for various co-payments and deductibles, which can accumulate to significant amounts. Without additional coverage, these out-of-pocket expenses can become burdensome.
To address these gaps, many individuals turn to private insurance options. There are two primary types of private insurance for Medicare beneficiaries: Medicare Advantage plans and Medicare Supplement plans. Although both offer valuable benefits, they have distinct differences that are important to understand when choosing the best option for your needs.
Medicare Advantage vs. Medicare Supplement Program
Medicare Advantage and Medicare Supplement plans each offer unique ways to enhance your Medicare coverage.
With a Medicare Supplement (Medigap) plan, you remain enrolled in Original Medicare. Medicare handles the majority of your healthcare costs, while the Supplement plan helps cover additional out-of-pocket expenses such as co-payments and deductibles.
On the other hand, when you choose a Medicare Advantage plan, you switch to a private health insurance plan that takes over all your Medicare coverage. These plans must provide at least the same level of coverage as Original Medicare, except for hospice care, which remains covered by Medicare. Although both options aim to provide comprehensive coverage, they operate through different structures and setups.
Frequently Asked Questions
What is medicare and who can get it?
Medicare is primarily used by individuals aged 65 and older, though some younger people may also qualify, including those with disabilities, permanent kidney failure, or amyotrophic lateral sclerosis (Lou Gehrig’s disease). While Medicare helps cover various healthcare costs, it does not fully cover all medical expenses or most long-term care costs.
Can I change my medicare coverage?
Yes, you can adjust your Medicare coverage during specific enrollment periods, including the Annual Enrollment Period (AEP) and the Medicare Advantage Open Enrollment Period (MA OEP). Outside of these times, you may qualify for a Special Enrollment Period (SEP) if you experience certain life events, such as moving, losing other coverage, or becoming eligible for Medicaid.
What are the different parts of medicare?
Medicare is divided into four parts:
Part A: Hospital Insurance
Part B: Medical Insurance
Part C: Medicare Advantage Plans
Part D: Prescription Drug Coverage
Where can I get more information about Medicare?
For more information about Medicare, you can visit the official website at www.medicare.gov, contact the Medicare hotline at 1-800-MEDICARE (1-800-633-4227).
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© 2025 Insurance Educators ┃ All Rights Reserved. Privacy Policy & Terms of Service┃ Site Design by MSFS
We are not connected with or endorsed by the United States government or the federal Medicare program.
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.
INSURANCE EDUCATORS
SERVICES
ADDITIONAL SERVICES
STAY CONNECTED
© 2025 Insurance Educators
All Rights Reserved.
Privacy Policy & Terms of Service
Site Design by MSFS
We are not connected with or endorsed by the United States government or the federal Medicare program. 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.
Why Life Insurance Matters
Life insurance is one of the most meaningful ways to protect the people you love. While it’s often seen as both a financial and emotional decision, at its heart, it’s really about love, care, and providing a secure future for those who matter most.
Every year, millions of individuals and families choose life insurance for reasons that are often hard to put into words, but deeply felt. It may seem like a simple concept, but the motivation behind it is personal, emotional, and powerful.
If you’re like most people, you’re here for the same reasons,
to protect your loved ones, fulfill your responsibilities, and ensure their future is safe.
Here’s why life insurance matters.
Here's why more individuals and families choose to protect what matters with life insurance:
Protect the People You Love
Life insurance is about providing for those who depend on you. It’s a commitment to shield your family from financial stress if something unexpected happens, so they can keep moving forward with confidence.
It's Not For You - It's for Them
The purpose of life insurance is simple: to protect your loved ones when you’re no longer there to do it yourself. It’s about their security, not yours - and that peace of mind is priceless.
Provide for your loved ones no matter what
By securing their financial future, you’re helping your loved ones maintain their lifestyle in the event of the unexpected.
Time, Choices and Financial Breathing Room
Losing a loved one is overwhelming. Life insurance helps your family avoid rushing difficult decisions, providing the time and financial flexibility they need to adjust at their own pace.
Immediate Funds, When They’re Needed Most
The payout from a life insurance policy is often available right when it’s needed most - and usually tax-free.
