Medicare is a federal health insurance program in the United States primarily for people aged 65 and older. It also covers certain younger individuals with disabilities and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant). Medicare helps cover various healthcare costs, including hospital stays, doctor visits, preventive services, and prescription drugs.
That’s a simple explanation, but the Medicare program has many details, and many people remain confused about it even after enrolling. We’re here to clear up that confusion for you today!
Most people become eligible for Medicare at age 65. However, individuals who have been receiving Social Security disability benefits for at least 24 months are also eligible. Additionally, there are other specific criteria that can make you eligible for Medicare benefits.
That’s a simple explanation, but the Medicare program has many details, and many people remain confused about it even after enrolling. We’re here to clear up that confusion for you today!
Let’s dive deeper into each part of Medicare and the supplemental coverage available to beneficiaries.
Original Medicare consists of Part A and Part B and is often referred to as Traditional Medicare. This is the starting point for all beneficiaries, as you must enroll in both Parts A and B before selecting any additional coverage.
Medicare Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. Most beneficiaries do not pay a premium for Part A if they or their spouse have worked and paid taxes for at least ten years (40 quarters).
Medicare Part B covers outpatient services such as doctor visits, imaging, lab tests, surgeries, durable medical equipment, and many preventive care services. Part B requires a monthly premium, which is set by the Centers for Medicare and Medicaid Services (CMS) each year.
Original Medicare does not have an out-of-pocket maximum. While it provides comprehensive coverage, it can still leave beneficiaries with significant financial responsibilities. To address these potential costs, many beneficiaries consider supplemental coverage options to help manage their healthcare expenses more effectively.
See what customers are saying...
EXCELLENT
Based on 33 reviews
Posted on Google
Darcy Roy
Trustindex verifies that the original source of the review is Google.
Great company. Denise and Lynn do a great job. very knowledgeable!
Posted on Google
Denise Pearson
Trustindex verifies that the original source of the review is Google.
I have experienced the TRUE definition of Personal service so many times here. Along side is the professionalism and knowledge exhibited by these amazing brokers. I have and will continue to refer my friends to them.
Posted on Google
Linda Moore
Trustindex verifies that the original source of the review is Google.
With the help of Denise Anderson, I recently changed my health insurance. Denise answered all questions with patience and concern for my anxiety. After over two years of NOT changing, I finally did change to a new carrier. Everything she told me was true. I could not be happier or more satisfied with my choice. Thank you Denise for your patience and guidance.
Posted on Google
Kathy Fess
Trustindex verifies that the original source of the review is Google.
We have been dealing with Denise Anderson, our Medicare Representative for about two to three years now. She is outstanding and is always timely and thorough, as well as helpful, cheerful and kind. She is quite knowledgeable and finds us the best way to go with our Medicare. We enjoy meeting with her and always come away pleased.
Posted on Google
Arnie Cicerone
Trustindex verifies that the original source of the review is Google.
Very good meeting covered everything in detail . Extremely knowledgeable and pleasant to talk to.
Posted on Google
David Schlick
Trustindex verifies that the original source of the review is Google.
I needed to change healthcare plans and Denise helped me out a lot, hooked me up with just the right plan. I would recommend this business and its employees wholeheartedly. They have the right amount of experience and a lot of expertise. Denise asked me questions to narrow down my needs and interests and found a plan that fitted me perfectly and did it so quickly and without any issues.
Posted on Google
Paul Pekarsky
Trustindex verifies that the original source of the review is Google.
It was an absolute pleasure wading through the myriad of Medicare options with Denise as my guide. She is very knowledgeable, patient and helpful. She listened to all my questions and made sure I fully understood the answers. I would recommend Denise to anyone who has Medicare needs and questions.
Posted on Google
Norann King
Trustindex verifies that the original source of the review is Google.
For the first time I used a insurance broker for my Medicare insurance. I’ve had Kaiser for years and been very disappointed, it was time for a change. I did my research and discovered Make Medicare Work best decision I’ve ever made! My brokers name is Denise Anderson, she has been amazing! I gave her the information she needed and what I was looking for and she narrowed it down, gave me several choices plus doctors to choose from if I wanted that list, she did all the work for me and I believe I made the right choice with her help. Denise made it so easy, do not hesitate to let Denice help guide you to the right insurance, hospital and doctors when making your medical policy choices.
Posted on Google
Jean Peacock
Trustindex verifies that the original source of the review is Google.
Denise was so helpful and knowledgeable when we were deciding on our Medicare strategy. She helped us make a decision and worked overtime to get us information in a timely manner.
Posted on Google
Martin Axel
Trustindex verifies that the original source of the review is Google.
Denise Anderson is a wonder! Always available and always goes the xtra mile to assist. A great agent. A getter human.
Join the webinar
Whether you’re new to Medicare or looking to optimize your plan, this webinar will guide you through the essential details and help you avoid costly mistakes.
Learn everything you need to know about choosing the right Medicare plan. We’ll guide you through the options, explain the benefits, and answer all your questions. It’s easy to understand and designed to help you make the best choice for your health and finances!
