Medicare Insurance Plans and Enrollment Guidance
Understanding Medicare Basics
Turning 65 brings new health coverage decisions, and Medicare is often the centerpiece. Original Medicare includes Part A for hospital care and Part B for medical services. While it provides important benefits, it also leaves gaps like deductibles, co-insurance, and no cap on out-of-pocket costs.
FD Insurance Agency helps clients across
Kansas,
Missouri,
Oklahoma,
Texas,
Arkansas, and
Nebraska
understand Parts A, B, C, and D in plain language, making it clear what’s covered and what isn’t.
Your Medicare Coverage Options
Once you’re eligible for Medicare, you have two main paths to consider:
- Add a Medicare Supplement (Medigap) plus a Part D drug plan
- Choose a Medicare Advantage plan (Part C), which may include drug coverage
Each option has different costs, networks, and benefits. Our role is to help you compare them side by side and decide which works best for your health and budget.
Medicare Supplement (Medigap) Plans
Medicare Supplement insurance helps pay the costs Original Medicare doesn’t cover, such as deductibles and coinsurance. These plans allow you to see any doctor nationwide who accepts Medicare, giving you flexibility no matter where you live or travel. Popular options include Plan G and Plan N, but the right choice depends on your needs.
Medicare Advantage Plans
Medicare Advantage plans (Part C) combine hospital, medical, and often drug coverage in one plan. Many also include extras like dental, vision, and hearing benefits. While Advantage plans often have lower premiums, they use provider networks like HMOs and PPOs. In Kansas and Missouri, some even offer $0 premiums with co-pays when you receive care.
Medicare Part D Prescription Drug Plans
Prescription coverage is an important piece of your Medicare benefits. If you choose Original Medicare with a Supplement, you’ll also need a separate Part D plan for prescriptions. If you choose Medicare Advantage, many plans already include drug coverage. Either way, it’s important to make sure your specific medications are included.
When and How to Enroll
Medicare enrollment is time-sensitive. Here are the key windows:
Initial Enrollment Period
The 7-month window around your 65th birthday
Annual Enrollment Period
October 15 through December 7, when you can switch plans
Special Enrollment Periods
For situations like leaving employer coverage or moving
FD Insurance Agency helps you understand these deadlines, avoid penalties, and stay on track with the right plan for your situation.
How FD Insurance Agency Helps Seniors
When it comes to Medicare, our focus is on education, not sales. We sit down with you, explain the Parts of Medicare in clear terms, and answer every question. Each year, we also help review your coverage, making sure your plan still fits your needs.
Our clients range from small towns in Kansas to urban centers in Oklahoma and Texas, and we bring the same patient, personal approach to every meeting.
Medicare FAQs
What is the difference between Medicare Supplement and Medicare Advantage?
Supplements work with Original Medicare to pay leftover costs, while Advantage replaces Original Medicare with a private plan.
When can I first sign up for Medicare?
Your Initial Enrollment Period starts three months before your 65th birthday and lasts for seven months.
Does FD Insurance Agency charge for Medicare consultations?
No. Our services are free to you. We’re paid by insurers, so you can choose confidently at no extra cost.
I’m over 65 and still working. Do I need Medicare?
It depends. If your employer coverage is creditable, you may delay Part B without penalty. We’ll help you decide.
Explore More Ways We Can Help You Plan Ahead
Health Insurance Plans
From Marketplace (ACA) options to short-term coverage, we’ll help you find a plan that fits your health and budget.
Life Insurance Options
Protect the people who matter most with flexible coverage designed around your family’s needs.
Supplemental Coverage Choices
Cancer, accident, and indemnity plans provide extra financial support when the unexpected happens.
Dental Insurance Coverage
Affordable plans for everything from routine checkups to major dental procedures.
Vision Insurance Plans
Coverage for exams, glasses, and eye care to keep your vision strong.
Helpful Resources to Make Insurance Simple
Billing & Claims Support
Direct links and phone numbers for your carrier so you can handle billing or claims without the hassle.
Frequently Asked Questions
Straightforward answers to common Medicare and insurance questions, written in plain language.
News & Articles
Updates on enrollment deadlines, Medicare changes, and tips for making the most of your coverage.
