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Medicare Coverage

Medicare Advantage, Medicare Supplement, and Prescription Drug Plans

If you need assistance or have questions about Medicare or Medicaid, schedule an appointment in our office with one of our friendly licensed and certified insurance agents.

Original Medicare is provided by the federal government and includes Part A (hospital) and Part B (medical).

  • You can join a separate Medicare drug plan to get Medicare drug coverage (Part D).
  • To help pay out-of-pocket costs in Original Medicare, like your 20% coinsurance, you can shop for and buy Medicare Supplement Insurance (also called Medigap)

Medicare Advantage – Part C
Medicare Advantage is a Medicare-approved plan from a private company that offers an alternative to Original Medicare for your health and drug coverage. These “bundled” plans include Part A, Part B, and usually Part D.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.

Know The Facts About The
Annual Enrollment Period (AEP)

Medicare Annual Enrollment Period
Oct.15 – Dec. 7

IBN can help you better understand your Medicare options and make sure you’re getting all the benefits you need.

Frequently Asked Questions

Ways to sign up:

  • Online (at Social Security) – It’s the easiest and fastest way to sign up and get any financial help you may need.
  • Call Social Security at 1-800-772-1213. TTY users can call 1-800-325-0778.
  • Contact your local Social Security office.
  • If you or your spouse worked for a railroad, call the Railroad Retirement Board at 1-877-772-5772.
  • Schedule an appointment with a licensed agent by clicking HERE.

You may be eligible to get help paying your drug costs with a program called Extra Help. This assistance is also called Part D Low-Income Subsidy or LIS. This is a federal program that helps people with lower incomes pay for their Part D premiums and copays. You must qualify and there are different levels of help available. 

Schedule an appointment with a licensed insurance agent by clicking HERE.

Medigap is Medicare Supplement Insurance that helps fill “gaps” in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like:

  • Copayments
  • Coinsurance
  • Deductibles
  • Call (727) 491-7260 (TTY: 711) to speak with a licensed insurance agent.

Every year starting on October 15 thru December 7 is the official Medicare Annual Enrollment Period (AEP). During this time, all Medicare recipients can make changes to their coverage policies and compare new benefit options.

Medicare plans change annually, oftentimes during AEP people find a more affordable plan with greater coverage than the year before. It’s a good habit to revisit your Medicare plan in the fall and visit our office – where we can help navigate the details of your health and prescription drug coverage for the coming year.

IBN can help you better understand your Medicare options and make sure you’re getting all the benefits you need.

Click HERE to get a free quote.

Medicaid is a joint federal and state program that helps cover medical costs for some people with limited income and resources. The federal government has general rules that all state Medicaid programs must follow, but each state runs its own program. This means eligibility requirements and benefits can vary from state to state.

Medicaid can be applied for year-round. Please use the link below to apply for the applicable state: