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What is Medicare? Medicare is a fee-for-service health care program for seniors, in which the government pays health care providers directly for services that fall under Parts A and B of Medicare benefits (see below). However, if you are looking for more coverage than Original Medicare, you can purchase one of our Medicare Advantage Plans to receive all your Part A and Part B benefits.1

Medicare is divided into four categories. This allows you to customize your personal coverage when shopping for a comprehensive policy.

  • Part A (hospital insurance): Covers hospital care, emergency services, nursing home care, home health services and hospice.
  • Part B (medical insurance): Covers medically necessary services and supplies used for diagnosing and treating medical conditions, and preventative services for illness prevention and/or early detection. Examples include ambulance services, mental health care, outpatient procedures and clinical research.
  • Part C: Combines Parts A and B and often part D as well.
  • Part D: Offers prescription drug coverage.

What Medicare options are available? Original Medicare offers coverage for services and supplies that are considered to be medically necessary, such as doctor visits, lab tests and wheelchairs. There are several alternative plans you can choose from for additional coverage, and each plan must offer at least the same coverage as Original Medicare. There are two Medicare plans that we can assist you with.

    1. A Medicare Advantage Plan, also known as Part C, combines Part A and Part B as a replacement to Medicare for more comprehensive health care coverage. This plan can be customized with additional coverage, such as a prescription drug program (Part D), vision and dental.
    2. A Medicare Supplemental Plan, also known as Medigap, has a higher premium but supplements the coverage gaps and deductibles that Part A and Part B leave behind.

Why do you need Medicare? Seniors are in the most need of health care, but once retired monthly premiums can become hard to maintain. Enrolling in the Medicare program allows you to get the care you need for a minimal charge.

Contact us today to learn more about coverage options. We are happy to work with you to determine which Medicare options works best for you.


1 This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.
Medicare has neither reviewed nor endorsed this information.


One of the important elements to making a decision about medical insurance is understanding how a plan will satisfy your specific needs. The Department of Health & Human Services has a publication, A LOOK AT MEDICARE which provides valuable information about what Medicare is and describes the various parts of Medicare. It further outlines the choices which are available.

The publication also contains valuable information, i.e., phone numbers and websites you can use to research the best plans. You can access the publication by clicking on the links which are available above, by clicking on the publication or Click here to review.

Our agency has 54+ years dealing with Medicare coverages. If you have questions about Medicare choices and how they could best resolve your medical needs, we would appreciate the opportunity to assist you in your quest for the appropriate product(s). ​

If you have any comments, questions or need additional information, you can contact me by email to [email protected], by text message to 208-315-3833 or by phone call to 208-634-3069 or 800-964-3326.