Medicare Insurance
We comparison shop the top insurance carriers, plans and pricing. Find the right Medicare plan for you.
We make Medicare easy! Get Free personalized plan comparisons.
What to expect when you talk with an agent?
- Set up in-person appointment or do it all by phone.
- Answer a few questions on your specific needs.
- Discuss the carriers and plans that match your needs.
- Review you quote and options from different carriers.
- Sign up with the carrier and plan of your choice
Compare plans from top carriers:
Medicare Annual Enrollment October 15th to December 7th
During this time period you can:
- Switch from one Medicare Advantage plan to another
- Switch from one Medicare Drug plan to another
- Switch from Original Medicare (Parts A&B) to Medicare Advantage
- Add a Prescription drug plan to Original Medicare (Parts A&B)
- Move from Medicare Supplement to Advantage plan or vice versa
Medicare plans can change from year to year, be sure to review your current plan during this Annual Enrollment period to ensure it still meets your healthcare needs.
Request a Quote
All quotes are free and you are under no obligation. Get a quote that compares different carriers and plans to start saving today!
813-553-3822
As an independent insurance agency we work for you, not the insurance company. Being able to shop insurance means we can focus on cost savings for our clients without compromising on coverage.
Top 10 Questions on Medicare
Medicare is a federal health insurance program in the United States that primarily provides healthcare coverage to individuals aged 65 and older. It also covers certain younger individuals with disabilities and those with end-stage renal disease (ESRD).
Medicare is divided into several parts, each covering different aspects of healthcare services. Part A, B, C and D.
In the United States, you are generally eligible for Medicare when you turn 65 years old. However, eligibility can also be determined by certain medical conditions or disabilities. Here are the primary eligibility criteria for Medicare:
Age-Based Eligibility:
- You can enroll in Medicare during your Initial Enrollment Period (IEP), which begins three months before your 65th birthday month, includes your birthday month, and continues for three months after your birthday month. This is a seven-month window during which you can sign up for Medicare.
- You can enroll in Medicare during your Initial Enrollment Period (IEP), which begins three months before your 65th birthday month, includes your birthday month, and continues for three months after your birthday month. This is a seven-month window during which you can sign up for Medicare.
Disability-Based Eligibility:
- If you have been receiving Social Security Disability Insurance (SSDI) or Railroad Retirement Board (RRB) disability benefits for at least 24 months, you are generally eligible for Medicare, regardless of your age.
- If you have been receiving Social Security Disability Insurance (SSDI) or Railroad Retirement Board (RRB) disability benefits for at least 24 months, you are generally eligible for Medicare, regardless of your age.
End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS):
- If you have ESRD (permanent kidney failure requiring dialysis or a kidney transplant) or ALS (also known as Lou Gehrig’s disease), you may be eligible for Medicare benefits, regardless of age.
It’s important to note that if you don’t enroll in Medicare during your Initial Enrollment Period, you may face late enrollment penalties and gaps in coverage. Contact MRS Insurance for more information.
At MRS Insurance, we’re here to help you navigate the Medicare enrollment process.
The is no charge for helping our clients sign up for Medicare.
We specialize in Medicare insurance, and our experienced team can guide you through the steps and help you make informed decisions about your coverage.
We can assist you with the enrollment process and answer any questions you may have. Our mission is to ensure you have the Medicare coverage that best suits your needs.
Medicare costs can vary depending on the parts you choose and your specific circumstances.
Here’s a brief overview:
- Part A: No premium for most eligible individuals.
- Part B: Monthly premium with potential income-based adjustments.
- Part C (Medicare Advantage) and Part D (Prescription Drug Coverage): Costs vary by plan.
- Medigap (Medicare Supplement Insurance): Cost varies by plan and provider.
- Income-Related Monthly Adjustment Amount (IRMAA): May apply to higher-income individuals.
Medicare costs can change annually, so it’s essential to stay updated. For personalized guidance on managing your Medicare costs and choosing the right coverage, we recommend reaching out to MRS Insurance. Our dedicated team specializes in Medicare insurance and can help you make informed decisions tailored to your needs and budget.
We’re here to assist you and simplify the process of understanding and managing your Medicare expenses.
Whether you need Medicare Supplement coverage (commonly known as Medigap) depends on your individual healthcare needs and financial considerations. Here are some factors to consider when deciding if Medigap is right for you:
Original Medicare Coverage: If you have Original Medicare (Part A and Part B), you may consider Medigap to help cover out-of-pocket costs, such as deductibles, copayments, and coinsurance. Medigap policies are designed to fill the gaps in your Medicare coverage.
Desire for Predictable Costs: Medigap plans can provide more predictable healthcare costs, as they help cover the expenses that Medicare doesn’t pay. With Medigap, you generally have fewer unexpected medical expenses.
Choice of Healthcare Providers: Medigap plans allow you to see any healthcare provider that accepts Medicare. You don’t need referrals to see specialists, which can be important if you want the flexibility to choose your doctors.
Medicare Advantage vs. Medigap: If you have a Medicare Advantage (Part C) plan, you typically don’t need Medigap, as Medicare Advantage plans offer an alternative way to receive your Medicare benefits. However, if you switch from a Medicare Advantage plan to Original Medicare, you may have the option to enroll in a Medigap plan.
Cost Considerations: Medigap plans come with monthly premiums in addition to your Part B premium. You should evaluate whether the cost of the Medigap premium is justified by the reduction in out-of-pocket costs.
Healthcare Needs: Consider your current and expected healthcare needs. If you anticipate frequent doctor visits or hospital stays, Medigap can provide financial security by covering a portion of the costs.
Ultimately, the decision to get Medigap coverage depends on your personal circumstances and preferences. It’s important to compare different Medigap plans and assess how they align with your healthcare needs and budget. Additionally, if you have specific questions or need guidance on choosing the right Medigap plan, you can contact MRS Insurance for personalized assistance.
The Medicare Annual Enrollment Period (AEP), also known as the Medicare Open Enrollment Period, is a specific time frame during which Medicare beneficiaries can make changes to their Medicare coverage. Here’s what you need to know:
Timing: The AEP typically runs from October 15th to December 7th each year. This is the primary opportunity for Medicare beneficiaries to review and modify their Medicare plans.
Purpose: During the AEP, you can make several types of changes to your Medicare coverage, including:
Switching between Original Medicare and Medicare Advantage: You can move from Original Medicare (Part A and Part B) to a Medicare Advantage (Part C) plan or vice versa.
Changing your Medicare Advantage plan: You can switch to a different Medicare Advantage plan that better suits your needs.
Joining or switching Medicare Part D plans: If you have Original Medicare, you can enroll in or change your Prescription Drug Coverage (Part D) plan.
Reevaluating Medigap policies: Although Medigap plans do not technically have an annual enrollment period, you can reassess whether you need a Medigap policy or if your current one meets your requirements.
Enrollment Changes: Any changes made during the AEP become effective on January 1st of the following year. It’s important to make decisions during this time if you wish to adjust your coverage.
Late Changes: After the AEP ends, you may still have opportunities to make changes if you qualify for a Special Enrollment Period (SEP) due to certain life events, such as moving or losing other healthcare coverage.
It’s crucial to use the AEP to review your Medicare coverage annually and make adjustments as needed to ensure that your plan aligns with your current healthcare requirements.
Original Medicare is the traditional fee-for-service healthcare program provided by the federal government for eligible individuals in the United States. It consists of two main parts:
Medicare Part A (Hospital Insurance):
- Part A primarily covers inpatient hospital care, skilled nursing facility care, hospice care, and some home healthcare services.
- Most people do not pay a premium for Part A if they or their spouse have worked and paid Medicare taxes for at least 40 quarters (equivalent to 10 years). If you’re not eligible for premium-free Part A, you can purchase it.
Medicare Part B (Medical Insurance):
- Part B covers medically necessary services and supplies, including doctor’s services, outpatient care, preventive services, and durable medical equipment.
- Part B has a monthly premium, and the standard premium amount can change annually. It’s based on your income, with higher-income individuals paying higher premiums.
- You also have an annual deductible and coinsurance or copayments for covered services.
Original Medicare is designed to provide essential healthcare coverage to seniors and some younger individuals with disabilities. While it covers a significant portion of medical expenses, it does not cover all costs. That’s where supplemental insurance, like Medicare Supplement Insurance (Medigap) or Medicare Advantage (Part C) plans, comes into play. Many people choose to enhance their Original Medicare coverage with these additional options to help with out-of-pocket expenses.
Medicare Advantage (Part C) plans are offered by private insurance companies approved by Medicare and provide an alternative way to receive your Medicare benefits. They typically include coverage for Part A, Part B, and often Part D (prescription drugs), as well as extra benefits.
In summary, Original Medicare (Part A and Part B) is the foundation of the Medicare program, covering hospital and medical services. To tailor your coverage to your specific needs, you may consider additional plans, and you can contact MRS Insurance for guidance and information on your options.
Medicare Advantage, often referred to as Medicare Part C, is an alternative way to receive your Medicare benefits through private insurance companies approved by Medicare. Medicare Advantage plans are designed to provide comprehensive healthcare coverage and often include additional benefits beyond what Original Medicare (Part A and Part B) offers. Here are key points about Medicare Advantage:
Comprehensive Coverage: Medicare Advantage plans typically include coverage for both hospital and medical services. This means they combine the benefits of Original Medicare into a single plan.
Additional Benefits: Many Medicare Advantage plans offer extra benefits that may include prescription drug coverage (Medicare Part D), vision, dental, hearing, and wellness programs. These additional benefits can vary by plan and provider.
Network-Based: Medicare Advantage plans often use a network of healthcare providers, which means you may need to use doctors and facilities that are part of the plan’s network to receive the full benefits. Some plans also offer out-of-network coverage, but it may come with higher out-of-pocket costs.
Monthly Premium: You may need to pay a monthly premium for your Medicare Advantage plan in addition to your Part B premium. However, some plans have $0 premium options.
Cost-Sharing: Similar to Original Medicare, Medicare Advantage plans typically have cost-sharing features such as copayments, coinsurance, and deductibles for covered services.
Annual Limit: Medicare Advantage plans often include an out-of-pocket maximum, which limits your yearly healthcare expenses. Once you reach this limit, the plan covers 100% of your covered medical costs.
Plan Types: There are different types of Medicare Advantage plans, including Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), Private Fee-for-Service (PFFS) plans, Special Needs Plans (SNPs), and more. Each type has its own rules and restrictions.
Enrollment: You can enroll in a Medicare Advantage plan during specific enrollment periods, such as the Annual Enrollment Period (AEP) from October 15 to December 7 each year, as well as during Initial Enrollment Periods and Special Enrollment Periods.
Medicare Advantage can be an attractive option for individuals looking for a single, comprehensive plan that includes both medical and prescription drug coverage, along with additional perks
Medicare provides coverage for a wide range of healthcare services and treatments, including:
Medicare Part A (Hospital Insurance):
- Inpatient hospital care.
- Skilled nursing facility care.
- Hospice care.
- Home healthcare services (limited).
Medicare Part B (Medical Insurance):
- Doctor’s services.
- Outpatient care.
- Preventive services (e.g., vaccinations, screenings).
- Durable medical equipment.
- Some home healthcare services.
- Ambulance services.
Prescription Drug Coverage (Part D):
- Coverage for prescription drugs, which is typically provided by private insurance companies. The specific medications covered and costs can vary by plan.
Medicare Advantage (Part C):
- Combines the benefits of Part A and Part B.
- Often includes prescription drug coverage (Part D).
- May provide additional benefits like vision, dental, hearing, and wellness programs.
Medicare Supplement Insurance (Medigap):
- Helps pay for out-of-pocket costs associated with Original Medicare, such as copayments, coinsurance, and deductibles.
Some preventive services: Medicare covers a range of preventive services, including mammograms, flu shots, and screenings for conditions like diabetes and cardiovascular disease.
It’s important to note that while Medicare provides significant coverage, there may still be out-of-pocket costs, depending on the specific services and plans you choose. The coverage details can also change from year to year, so it’s advisable to review
Whether you can keep your current doctor while on Medicare depends on the type of Medicare plan you have and whether your doctor accepts that plan. Here are some key points to consider:
Original Medicare (Part A and Part B):
- With Original Medicare, you have the flexibility to see any doctor or healthcare provider who accepts Medicare, regardless of whether they are in or out of the plan’s network.
- You generally don’t need referrals to see specialists, giving you the freedom to choose your doctors.
Medicare Advantage (Part C):
- Medicare Advantage plans often use networks of healthcare providers, which means that you may need to use doctors and facilities that are part of the plan’s network to receive full plan benefits.
- Some Medicare Advantage plans may offer out-of-network coverage, but it may come with higher out-of-pocket costs.
- To ensure that your current doctor is in-network, it’s essential to check with the specific Medicare Advantage plan you are considering.
Medicare Supplement Insurance (Medigap):
- If you have Original Medicare and a Medigap policy, you can see any doctor or specialist who accepts Medicare. Medigap plans do not have provider networks.
To keep your current doctor, it’s important to verify whether they accept Medicare or your specific Medicare plan. You can contact your doctor’s office or check with the plan’s provider directory to ensure that your preferred healthcare provider is in-network.
If you have questions about your Medicare plan and its network of doctors, or if you’re considering a Medicare plan that allows you to continue seeing your current doctor, you can contact MRS Insurance for personalized guidance and support.