Medicare
Your Medicare Coverage Options
Understanding Medicare Advantage and Medicare Supplement Insurance
Medicare is a federal health insurance program designed primarily for people age 65 and older, as well as certain younger individuals with disabilities. It helps cover many essential healthcare services, including hospital stays, doctor visits, and preventive care. While Original Medicare (Parts A and B) provides a strong foundation of coverage, it does not pay for everything. Beneficiaries are still responsible for deductibles, copayments, and coinsurance, which is why many people choose additional coverage through either Medicare Advantage or Medicare Supplement plans.
By providing the information above, I grant permission for Eric Merley, a licensed insurance agent, to receive my information and call or email me regarding my Medicare options including Medicare Supplement, Medicare Advantage, and Prescription Drug Plans.
Medicare Advantage
Medicare Advantage, also known as Part C, is an all-in-one alternative offered by private insurance companies approved by the Centers for Medicare & Medicaid Services. These plans combine hospital and medical coverage and often include additional benefits such as prescription drug coverage, dental, vision, hearing, and wellness programs. Medicare Advantage plans typically have provider networks and may offer lower monthly premiums, but members usually pay copays or coinsurance when receiving care. These plans are popular with individuals who want bundled coverage and extra benefits in a single plan.
Medicare Supplement
Medicare Supplement plans, also called Medigap, work alongside Original Medicare to help pay for out-of-pocket costs like deductibles, copayments, and coinsurance. Supplement plans allow you to see any doctor or specialist nationwide who accepts original Medicare, without network restrictions. While these plans usually have a higher monthly premium, they provide more predictable healthcare costs and greater flexibility in choosing providers. Medicare Supplement plans are often preferred by individuals who value freedom of choice and long-term cost stability.
We do not offer every plan available in your area. Currently, we represent 5 organizations which offer 56 products in Indiana. Please contact Medicare at Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.
Not affiliated with or endorsed by the government or federal Medicare program.
Not Sure Where to Start With Medicare Coverage?
Both options offer valuable benefits, and the right choice depends on your healthcare needs, budget, and lifestyle. We'll help you make sense of your Medicare options and find the best fit.
By providing the information above, I grant permission for Eric Merley, a licensed insurance agent, to receive my information and call or email me regarding my Medicare options including Medicare Supplement, Medicare Advantage, and Prescription Drug Plans.