Medicare Advantage · Medicare Supplement
Medicare can be delivered through Original Medicare or Medicare Advantage. If you choose Original Medicare, Medicare Supplement Insurance can help with certain out-of-pocket costs. We explain the differences and compare the options available where you live.
One of the first decisions many Medicare beneficiaries face is how they want their Medicare coverage delivered. Original Medicare is administered by the federal government. Medicare Advantage provides Part A and Part B coverage through private insurance companies that contract with Medicare. You must have both Part A and Part B to join Medicare Advantage.
Part A and Part B are provided through Original Medicare.
Part A and Part B coverage is delivered through a Medicare-approved private plan.
Neither structure is automatically right for everyone. Your doctors, prescriptions, travel, budget and the plans available in your county can all matter.
Medicare Supplement Insurance, or Medigap, is private insurance that helps pay some of the deductibles, coinsurance and other out-of-pocket costs that Original Medicare does not pay.
You generally need Part A and Part B to buy a Medigap policy. It can help with certain costs left after Original Medicare pays its share.
In most states, Medigap policies are identified by letters. Policies with the same letter provide the same basic benefits, although premiums can vary by insurer.
Your six-month Medigap Open Enrollment Period begins when you are 65 or older and enrolled in Part B. Outside that period, your options and pricing can depend on your circumstances and state rules.
Medigap policies sold today generally do not include prescription drug coverage. Medicare Part D is separate.
Nothing on this list is required to talk with us, but each item lets the agent check a plan against your real situation rather than a general one.
Your Part A and Part B start dates are printed on it
Each plan has its own network, checked against its directory
Name, dose and how often, so coverage can be checked plan by plan
Whatever you have now, whether Medicare, an employer plan or something else
Plans can treat pharmacies differently
A planned surgery, a specialist you expect to see, anything you want a plan to handle
Whether a specific doctor, medication or pharmacy is covered is verified against the plan itself before you enroll, not assumed.
You can join, switch or leave a Medicare Advantage plan only during set enrollment periods. Four apply to most people.
Starts three months before you get Part A and Part B, includes the month you get them, and ends three months after. Your first chance to join a Medicare Advantage plan. Applies to everyone new to Medicare, whether at 65 or through disability.
Anyone with Medicare can join a Medicare Advantage plan, switch to a different one, or return to Original Medicare. Coverage begins January 1. This is when most people review their plan for the coming year.
Only for people already in a Medicare Advantage plan. One change is allowed: switch to another Medicare Advantage plan, or drop the plan and return to Original Medicare. Coverage starts the first of the month after the plan receives your request.
Set windows opened by certain events: moving out of your plan’s service area, losing other coverage, qualifying for Medicaid, or qualifying for Extra Help with medication costs, among others. The window length depends on the event; a licensed agent can tell you whether one applies to you.
Enrollment period rules are set by Medicare and are published at Medicare.gov. Which periods apply to you depends on your circumstances.
Bring your doctors, medications and questions. We’ll explain the available options and let you decide what makes sense for you.
Call 1-888-957-3337 (TTY 711) or schedule a time online.
A licensed agent lays out the plans filed for your county and checks each one against your doctors and your medications.
Enroll over the phone in the plan you choose, or keep the comparison and decide later.
Medicare Advantage, also called Medicare Part C, is a way to receive your Medicare Part A and Part B coverage through a private insurance company approved by Medicare, instead of directly through Original Medicare. Plans must cover everything Original Medicare covers, and each plan sets its own costs, provider network and rules.
Each plan has its own provider network, and networks can change from one plan year to the next. Bring your doctors’ names; the agent checks each plan’s directory before you enroll.
You need Part A, Part B and an address in the plan’s service area. Your Part A and Part B start dates are printed on your red, white and blue Medicare card.
You can usually switch Medicare Advantage plans during the Annual Enrollment Period (AEP) or other special enrollment periods, depending on your circumstances.
The agent who takes your call is licensed in your state and completes the annual Medicare training that carriers require before each plan year.
Bring your doctors and prescriptions to the call and we check whether a plan covers them before you choose it.
We are appointed with national and regional Medicare Advantage carriers. Which plans are available to you depends on your county.
Also looking at final expense insurance or ACA health insurance for people under 65? Meet the agency, founded in 2008, or talk to a licensed agent.
States where Senior Solutions Insurance is licensed and serves Medicare customers. State-specific guides are published for selected states.
A real person calls you back.Licensed agents in our Greenwood Village, Colorado office.
During business hours: Monday to Friday 9 to 7, Saturday 9 to 5, Mountain Time.
Tell us whether you need help with Final Expense insurance, Medicare or another health coverage question. Your agent reviews the options that apply to your situation.
We explain the important differences and next steps. If an option makes sense, we can help you move forward. There is no fee for speaking with us.
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, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
Senior Solutions Insurance is not connected with or endorsed by the U.S. government or the federal Medicare program.
Deductibles, copays and coinsurance may apply. Limitations and exclusions may apply. You must continue to pay your Medicare Part B premium. Enrollment in a plan depends on the plan’s contract renewal with Medicare.
To speak with a licensed insurance agent, call 1-888-957-3337 · TTY 711 · Monday–Friday 9:00 AM–7:00 PM, Saturday 9:00 AM–5:00 PM.
