What is Medicare and What Does it Cover?

Medicare is the federal health insurance program for people who are 65 or older, or those under 65 who may qualify because of a disability or another special situation. Medicare helps millions of American seniors and disabled individuals cover some of their health care costs.

Some of our Medicare Services include the following, but not limited to:

  • Medicare Insurance
  • Medicare Supplemental Insurance
  • Medicaid Crisis Planning


Medicare offers a lot of choices. To make a wise choice, you need to understand not just the Medicare basics, but how Medicare actually works for your unique situation.

We can help you understand:

Who Can Get Medicare – Eligibility begins at age 65 for most people, but there’s more to it depending on your situation.

Medicare Coverage & Costs – When you read you begin with your ABC’s. It’s the same with Medicare. We will explain Parts A, B, C and D.

What Medicare Doesn’t Cover – It’s important to know what Medicare doesn’t cover and where you may want to fill in the gaps.

Enrollment Time Periods – Medicare sets certain times when you can enroll or change plans. Missing them could cost you.

Medicare vs. Medicaid – Both programs help with health care costs, but they are very different.

Your Eligibility for Extra Help – It may be worth looking into financial assistance programs, even if you don’t think you qualify.

We specialize in:

  • ► Medicare Advantage
  • ► Medicare Supplements
  • ► Prescription Drug Plans

Compare plans based on:

  • Cost
  • Coverage
  • Drugs
  • Doctors
  • Extras

Request Your No-Cost, No-Obligation Medicare Benefits Review Today!

I am your advisor:
I can help answer questions or handle any problems you have about using your coverage.

I offer unbiased advice:
In Medicare, there is no “one size fits all” solution. I represent wide variety of carriers and products.

I’ll review your coverage every year:
Plans can change every year. I’ll make sure we review your coverage and determine if any changes are needed, or if a better plan is available.

My services are complimentary!
I am paid by the insurer. Your premium will be the same regardless of whether you call the carrier directly, or if you work with me!

Top 5 Things to Consider When Shopping for Medicare Insurance

  1. Know that Medicare plan costs and benefits may change each year.
  2. Don’t be afraid to compare and shop around for Medicare plan options.
  3. Make sure the plan you choose meets your prescription drug coverage needs.
  4. Be aware that if you don’t make changes during the Annual Election Period, you might have to wait a year to do so.

If you have questions,
we have answers.

We Are Your Local, Licensed Independent Insurance Advisors. Our Focus is Exclusively on the Needs of Seniors & Medicare Recipients.

  • No-Cost Medicare Benefits Reviews
  • Unbiased and Expert Consultation
  • Prescription Drug Plan Assistance
  • Educational Seminars for Individuals and Groups of Any Size
  • Service and Support Whenever You Need It

Get more from Medicare

We help take the guesswork out of Medicare to provide seniors with a clear understanding of their benefit options.

Schedule Your Appointment with

J. Scott Schaffer, ChFC