Medicare Plans

As an independent agent, I don't work for just one insurance company.  Different companies and plans could be a better fit for different people. I am able to help you by comparing plans available in your area that meet your needs. I will check networks to find out which plans your doctors accept. I will also check drug costs to find the best Part D Drug plan for you. There is never any pressure. I am here to help answer your questions you have now and in the future. I am able to help you get enrolled and help with plan changes in the future. Also, there is never any cost to use for my services and I take your privacy very seriously. Your info is never shared.

If you are still working and covered by your employer group health plan with 20 or more employees, you are able to delay Medicare enrollment without a penalty for late enrollment. Most people will go ahead and enroll in Part A, which is zero premium if you worked enough time and paid Medicare taxes. The only time you will not want to get Part A is if you have an HSA. Medicare plans don't have a high enough deductible for you to quality for having an HSA account. Find out more info here: https://www.medicare.gov/basics/get-started-with-medicare/medicare-basics/working-past-65. 

Many people continue to work after 65 but still go on Medicare insurance because it may be less expensive and have more benefits. Contact me to help you compare Medicare costs and benefits to your employer plan. 

This is a personal decision and everyone is different. My parents are both on Medicare plans and each chose a different option. My mom hates risk and would rather pay more in premiums to lower her health care risk. My dad is the opposite. He didn't want to pay an additional premium and also wanted the extra benefits Medicare Advantage Plans provide. He has been saving all the money he would have paid for a Medicare Supplement Premium. Both parents are very happy  with their decisions! It just goes to show there is a plan for everyone. 

In 2026, the standard Medicare Part B premium amount is $202.90 per month. The majority of individuals enrolling in Medicare will pay this amount. The premium amount you pay for Medicare Part B (and Part D) can be higher than the standard premium amount if the Social Security Administration determines that you should be subject to the Income-Related Monthly Adjustment Amount (IRMAA). The IRMAA is an income-based surcharge determined by the Modified Adjusted Gross Income reported on your tax return from two years prior. In 2026 for your IRMAA determination, the Social Security Administration will look at your tax return for 2024. Additionally, if you (or another qualifying person, like your current or former spouse) worked and paid Medicare taxes for less than 10 years/40 quarters, you might also have to pay a premium for Medicare Part A. Find out more here: https://www.medicare.gov/basics/costs/medicare-costs