About a decade ago, my parents turned 65 and went through the painful process of figuring out what to do about their Medicare coverage.
So many annoying phone calls, mounds of advertisements, multiple visits from different insurance agents... it was overwhelming! As I helped them through the process, I realized just how difficult and confusing Medicare can be to understand. I thought:
Brian Dillard,
President/CEO
This is why I started Midwest Medicare. Our dedicated team of Certified Medicare Advisors are always ready to help navigate the challenging maze of Medicare. Licensed by the State and Certified
Our mission is to educate you on the Medicare process and guide you to confidently find the right plan. No obligation appointments available and there is NEVER a fee. Our service is always 100% free.
direct with each Medicare Carrier, we represent virtually every Medicare option available. We are truly a "One Stop Shop" for all your Medicare needs.
Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
You usually don't pay a monthly premium for Medicare Part A (Hospital Insurance) coverage if you or your spouse paid Medicare taxes for a certain amount of time while working. This is sometimes called "premium-free Part A." We can help you understand if you qualify, and if not, how much your premium would be.
- How much does Part A cost?
- How do you get Part A?
- What does Part A cover?
When you're first eligible for Medicare (Age 65), you have a 7-month Initial Enrollment Period (IEP) to sign up for Part A. There are other Special Enrollment Periods (SEP) as well - such as: Newly Retired, Move in or out of a coverage area, and Loss of work insurance to name a few.
Part B
In general, Part A covers:
Hospital care, Skilled nursing facility care, Nursing home care (as long as custodial care isn't the only care you need), Hospice, and Home health services.
Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services.
- How much does Part B cost?
The standard Part B premium amount in 2020 will be $144.60 (or higher depending on your income). If you don't sign up for Part B when you're first eligible, you may have to pay a late enrollment penalty.
- How do you get Part B?
- What does Part B cover?
Some people get Medicare Part B (Medical Insurance) automatically and other people have to sign up for it. In most cases, it depends on whether you’re getting Social Security benefits. If you are not getting these benefits, then you'll need to go to the Social Security Office in your area to sign up, or you can sign up on-line at ssa.gov
In general, Part B covers 2 types of services:
Medically necessary services: Services or supplies that are needed to diagnose or treat your medical condition and that meet accepted standards of medical practice.
Preventive services: Health care to prevent illness (like the flu) or detect it at an early stage, when treatment is most likely to work best.
PDP's are plans provided by Medicare approved private companies which are paid by the government to administer your PDP benefits. Part D generally covers certain prescription drugs prescribed by your doctor.
- How much does Part D cost?
- How do you get Part D?
- What does Part D cover?
Your actual drug plan costs will vary depending on the drugs you use, the plan you choose, whether you go to a pharmacy in your plan's network, whether the drugs you use are on your plan's formulary, and whether you get Extra Help paying your Medicare Part D costs. Part D is likely the most misunderstood portion of Medicare. Our Certified Medicare Advisors are standing by to help.
Enrollment is not automatic. You have to sign up for a PDP and you must already be enrolled in Medicare Parts A &/or B. You can search for a plan directly on Medicare.gov or seek help from one of our licensed Certified Medicare Advisors. Our goal is to educate you on the Medicare process and guide you to confidently find the right plan. No obligation appointments available and there is NEVER a fee. Our service is always 100% free.
Each Medicare drug plan has its own list of covered drugs (called a formulary). Many Medicare drug plans place drugs into different "tiers" on their formularies. Drugs in each tier have a different cost.
Medicare is the federal health insurance program for:
-People who are 65 or older.
-Certain younger people with disabilities.
-People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).
Medicare is run by The Centers for Medicare and Medicaid Services (CMS). Enrollment and funding for Medicare is provided by The Social Security Adminstration.
Part A
Part B
Medicare Advantage is a bundled benefits plan provided by Medicare approved private companies which are paid by the government to administer your Medicare benefits. These plans "look and feel" more like the traditional plan you may have had at work such as an HMO or PPO plan. You must already be enrolled in Medicare Parts A & B to participate in a Medicare Advantage plan.
- How much does Part C cost?
You may pay a monthly premium for your MA Plan. You may also pay a copayment or coinsurance for covered services. These plans have annual maximum out-of-pocket costs. Once you reach a certain limit, you’ll pay nothing for covered services for the rest of the year. Your out-of-pocket costs are typically lower in an MA plan. This option may be more cost effective for you.
- How do you get Part C?
Enrollment is not automatic. You have to sign up for a MA and you must already be enrolled in Medicare Parts A & B. You can search for a plan directly on Medicare.gov or seek help from one of our licensed Certified Medicare Advisors. Our goal is to educate you on the Medicare process and guide you to confidently find the right plan. No obligation appointments available and there is NEVER a fee. Our service is always 100% free.
Enrollment is not automatic. You have to sign up for a MA and you must already be enrolled in Medicare Parts A & B. You can search for a plan directly on Medicare.gov or seek help from one of our licensed Certified Medicare Advisors. Our goal is to educate you on the Medicare process and guide you to confidently find the right plan. No obligation appointments available and there is NEVER a fee. Our wwwservice is always 100% free.
- What does Part C cover?
A Medicare Advantage plan covers everything that Original Medicare covers - PLUS it typically includes Part D drug coverage (MAPD) - AND many include additional benefits such as dental, vision, Silver Sneakers (gym membership), and hearing.
Medicare Supplement Insurance is a policy provided by Medicare approved private insurance companies. These policies are designed to work along side with your Original Medicare (Parts A and B). If you have Original Medicare and a "Medigap" policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then, your "Medigap" policy pays its share.
- How much does a Medicare Supplement Policy cost?
- How do you get a Medicare Supplement Policy?
- What does a Medicare Supplement Policy cover?
Monthly premiums for your "Medigap" Policy can vary based on your age, gender, tobacco use, and location. Any standardized "Medigap" Policy is guaranteed renewable even if you have health problems. This means the insurance company can't cancel your Medigap policy as long as you pay the premium. However, the monthly premium amount does increase each year.
Enrollment is not automatic. You have to sign up for a policy. You can do a search for a plan directly on Medicare.gov or seek help from one of our licensed Certified Medicare Advisors. Our goal is to educate you on the Medicare process and guide you to confidently find the right plan. No obligation appointments available and there is NEVER a fee. Our service is always 100% free.
Enrollment is not automatic. You have to sign up for a policy. You can do a search for a plan directly on Medicare.gov or seek help from one of our licensed Certified Medicare Advisors. Our goal is to educate you on the Medicare process and guide you to confidently find the right plan. No obligation appointments available and there is NEVER a fee. Our service is always 100% free.
"Medigap" policies help pay some of the health care costs that Original Medicare doesn't cover like Copayments, Coinsurance, and Deductibles. Generally, "Medigap" DOES NOT cover prescription drugs, dental care, hearing aids, eyeglasses.
However, you may qualify for a SPECIAL ENROLLMENT PERIOD (SEP):
For MEDICARE ADVANTAGE PLAN enrollees ONLY:
Here are 6 important needs to consider
when choosing the right
Medicare option:
Still confused about Medicare? Our team of licensed Certified Medicare Advisors are always ready to help. If you have questions, we have answers! But we can't help unless you contact us. Give us a call at (636) 244-8222 or send us a message by filling out the information below and one of our team members will be happy to assist you.
You can also contact any member of our team directly.
Founding Member,
President/CEO, and
Certified Medicare Advisor
Ofc: (636) 244-8222 x.1
Fax: (636) 685-0024
Cell: (636) 485-1125
brian@midwestmedicare.com
Ofc: (636) 244-8222 x.707
Fax: (636) 277-9721
Cell: (314) 662-0026
brehenytj@cs.com
Ofc: (636) 244-8222 x.712
Fax: (636) 685-0024
Cell: (636) 290-2421
brettcann@midwestmedicare.com
Founding Member,
Marketing Director, and
Certified Medicare Advisor
Ofc: (636) 244-8222 x. 714
Fax: (636) 685-0024
Cell: (314) 565-4519
tracydillard@midwestmedicare.com
Cell: (314) 223-8513
drew.hackmann@yahoo.com
Ofc: (314) 376-9937
Fax: (636) 685-0024
Cell: (314) 477-7383
hhighridge@sbcglobal.net
Ofc: (314) 583-0245
Fax: (636) 685-0024
Cell: (636) 547-3037
klipschkevin@gmail.com
Ofc: (636) 244-8222 x. 705
Fax: (314) 849-2570
Cell: (314) 753-5668
ajlenggenhager@gmail.com
Fax: (636) 226-4293
Cell: (314) 403-6827
terrirmaples@gmail.com
dickmaschmann@yahoo.com
Ofc: (636) 244-8222 x. 710
Fax: (314) 379-3580
Cell: (314) 757-9759
Ofc: (636) 244-8222 x. 706
Fax: (636) 685-0024
Cell: (314) 478-0714
morganmessmer@midwestmedicare.com
Ofc: (636) 244-8222 x.700
Fax: (314) 894-4901
Cell: (314) 374-6265
jacque.dillardinsurance@reagan.com
Ofc: (636) 244-8222 x. 711
Fax: (314) 849-7448
Cell: (314) 283-4527
ronmidwestmedicare@yahoo.com
Ofc: (314) 212-1404
Fax: (314) 212-1406
Cell: (314) 322-9637
richard@integrityinvestors.com
Ofc: (636) 244-8222 x.703
Fax: (636) 685-0024
Cell: (314) 607-4904
lyndamiddeke@midwestmedicare.com
Ofc: (636) 244-8222 x. 709
Fax: (314) 344-1197
Cell: (314) 640-3265
bridgetonmo@charter.net