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 Medicare is our country's health insurance  program for: 

■ People aged 65 or older 

■ Under age 65 with certain disabilities 

■ Anyone with End-Stage Renal Disease.

Medicare has different parts: 

Part A - Hospital Coverage

Part B - Medical Coverage

Part C - Medicare Advantage

Part D- Prescription Drug Coverage

Medicare Part A and Part B are known as Original Medicare.

Part A- usually provided at no cost.

Part B standard premium is about $185/mo. Those with higher income pay more for Part B (Medical) and Part D (Prescription Drug) coverage.  

With Original Medicare as your primary insurance, you can go to any Medicare-enrolled doctor, other health care provider, hospital, or other facility that accepts Medicare patients anywhere in the U.S. In most cases, no referrals are needed to access specialists.  

To find and compare providers, hospitals, and facilities in your area, visit

https://www.medicare.gov/care-compare 

A Medicare Supplement (Medigap) insurance policy and a (Part D) Prescription Drug Plan are generally used with Original Medicare. Dental and vision plans may also be purchased separately.

If you're turning 65 soon and haven't started Social Security Income, please call the Social Security Administration (SSA) at 

1-800-772-1213 to enroll in Medicare or enroll in Medicare online at: 

 https://www.ssa.gov/benefits/medicare/

Social Security Income recipients are auto-enrolled and will receive a Medicare card about 90-days prior to your 65th birthday month. 

Those with only Part A that want to add Part B please CLICK HERE

or call SSA - 1-800-772-1213.

With Medicare Advantage (Part C) Plans  you get your Medicare benefits from the Medicare health plan you choose. 

Plans may bundle hospital, medical and prescription drug coverage in one plan and may include extra benefits like dental, vision, hearing and more. 

Benefits vary by plan. 

Medicare Advantage plans may offer a low or no monthly plan premium above your Medicare Part B premium. 

For each health care service, you pay a fixed cost (copay) or a percentage of the cost up to the plan's limit for covered hospital and medical expenses. 

Most plans include a network of providers to use to get care and may allow you to self-refer to a in-network specialist. Some plans offer coverage from out-of-network providers at additional cost-sharing. 

Most Medicare Advantage plans include prescription drug coverage (MAPD), some plans do not (MA only) may be used by Veterans with VA drug benefits. 

To see plans from (Part C) insurers we offer, please use the links below. 

Please contact me with questions.  

For BCBSAZ Medicare Advantage plans: 

please CLICK HERE. 

Click link below, add zip code, click on

Medicare Advantage Prescription Drug Plans TAB showing Medicare Advantage Prescription Drug Plans with prescription drug coverage. 

On the left, click the blue bar to add doctor, prescription and pharmacy preferences.

Medicare Prescription Drug benefits may be included as part of a Medicare Advantage health plan or may be purchased separately. 

People with Original Medicare A & B with or without a Medicare Supplement (Medigap) insurance plan can add a Stand-alone (Part D) drug plan to have prescription coverage. 

New for 2025!

Donut hole is eliminated.

$2000 annual out of pocket maximum.

Prescription Payment Program spread out prescription drug costs over the year.

Click button below, add zip code, click on Prescription Drug Plan TAB showing 

Prescription Drug Plans. On the left, click the blue bar to add prescription and pharmacy preferences. 

These "supplemental" plans provide secondary coverage to Original Medicare. 

Plans may pay all or part of the Medicare hospital deductible, copays and the 20% of medical expenses remaining after Medicare pays its part. 

Since these plans help plug the financial "gaps" in Original Medicare Parts A & B, they are also known as Medigap plans. 

Medigap Plan G and Plan N are popular and provide good financial protection. Other letter plans are available. 

Original Medicare allows the use of any provider who accepts Medicare patients. No networks, no referrals. Easy! 

In addition to a Medicare Supplement, you'll need a (Part D) Prescription Drug Plan for pharmacy coverage. 

See Medicare Part D section on this page

We offer plans from several major Medicare Supplement insurers. 

Please schedule a call for major brand quotes. Cigna and Mutual of Omaha provide the quote links below.

Mutual Of Omaha Insurance Company

Cigna Medicare Supplement Insurance

Dental & Vision plans may also be purchased separately. - CLICK HERE

Original Medicare does not provide routine vision or dental coverage. Medicare Advantage plans may offer these benefits as part of the plan or you may buy it separately.  

We offer dental insurance plans and dental discount plans. Our PPO dental plans offer large provider networks and the ability to use any dentist you want. 

 Add vision to your dental plan or choose only a vision plan. 

Most Medicare Advantage Plans require you pay a daily copayment for Inpatient Hospital stays, Hospital observation days, and ambulance rides. 

Hospital Indemnity Plans are inexpensive and can provide reimbursement for these expenses.  

Please contact me for quotes and plan information. 

Click below for brief video.

Original Medicare does not cover 

Long-Term Care expenses. 

Long-Term Care insurance may be purchased to help cover long-term care related expenses:

Residential care, Facility care, Assisted Living or Home Health Aides. 

Some Medicare beneficiaries get this coverage through the state Medicaid program, but must spend-down assets. 

Please call for more information. 

Original Medicare provides coverage for  medical services provided at home from medically-trained individuals. 

We offer plans that offer coverage for up to 1-year for Home Health Aides, Homemaker Services and Convalescent Care which are not covered by Medicare. These plans are less expensive and easier to qualify for than Long-Term care. 

Please call for quotes and plan information. 

Click below for brief video.

These policies provide basic coverage help pay for final expenses. We work with several life insurance companies. 

Get life Insurance in 10-minutes! 

No medical exams or blood tests.