Your Guide Through Medicare’s Maze We make sense of the complexities to help you make sensible decisions.

If you're turning 65 or already 65 and about to retire, you will have some critical decisions to make soon. We're here to guide you through the Medicare maze and help you find a plan that fits your needs. As you begin your Medicare process it is important to understand what Original Medicare covers. Or, maybe more importantly, what it doesn't cover.

Understanding Medicare

Medicare can be confusing, but don't worry – we've got you covered. Medicare is a federal health insurance program for individuals who are 65 years or older, or those with certain disabilities. Often referred to as Original Medicare, it consists of Part A and Part B.

  • Part A covers hospital stays, skilled nursing facility care, hospice care and some home health care.

  • Part B covers doctor visits, outpatient care, medical supplies and preventive services.

Understanding how Medicare works and finding the right plan for you gives you access to the health care services you need as you age, providing financial protection and confidence.

Couple Enjoying Retirement
Couple Enjoying Retirement

Original Medicare
Part A

Medicare Part A is your hospitalization. It also covers skilled nursing, home health care and hospice care.

Part A generally comes at no cost to individuals who have paid Medicare taxes while working. However, there may be costs associated with certain services, such as deductibles and coinsurance.

Original Medicare
Part B

Medicare Part B covers your outpatient needs, including visits to your primary care doctor, specialists, outpatient procedures, emergency room visits, etc. It often is referred to as an 80-20 plan, meaning Medicare pays 80% of your outpatient costs and you pay 20%.

Part B requires a monthly premium and an annual deductible. In 2024, the premium for most people is $174.70, while the deductible is $240.

Man Kayakin on a sunny day
Couple Enjoying Retirement

Is Original Medicare Enough?

Navigating Medicare is like solving a puzzle. The central question: Is Original Medicare enough?

While Parts A and B provide foundational coverage, they do not meet all needs in your retirement years. Most people find that you are far better off – and far more at ease – by adding a Medicare Supplement plan or choosing a Medicare Advantage plan.

We work closely with clients just like you to help you determine which type of plan works for you. Our personalized approach considers coverage gaps and a variety of strategies that align with your priorities and goals.