New to Medicare? Start Here | Classic Insurance

New to Medicare? Start Here

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Not sure where to begin? That’s understandable! Insurance is complicated, and as you transition into Medicare, you may become overwhelmed with options and information.

We have almost two decades of experience providing personal service in navigating the pitfalls and the choices of Medicare. From understanding what you have to pay to the government to get Medicare, to choosing a plan that covers your prescription drugs, we can help you find the coverage you need at a price you can afford.

What is Medicare?

Medicare is our universal health insurance for people 65 or older, people under 65 with certain disabilities, and people of any age with End-Stage Renal Disease. For more details, see our Medicare Overview page.

When am I eligible for Medicare?

Medicare coverage begins the first day of the month you turn 65, but for many people, the enrollment process begins several months prior. Find out more information about when to enroll on our page Turning 65.

Choosing a Medicare Plan

When it comes to Medicare, there are a number of options:

Medicare Part A
Part A

The great majority of citizens in the United States receive Medicare Part A, or hospital insurance, automatically. However, it’s important to understand the details of eligibility and coverage. See What is Medicare Part A  to learn more.

Medicare Part B
Part B

Medicare Part B, also known as Medical Insurance, helps cover medically necessary doctors’ services, outpatient care, home health services, durable medical equipment, and other medical services. Unlike Medicare Part A, Part B has a premium associated with it. For more information about Part B payments and coverage, see our page What is Medicare Part B.

Medicare Part D
Part D

Medicare Part D, which helps cover the cost of prescription drugs, is run by Medicare-approved private insurance companies. To learn more about prescription drug plans, including Medicare Advantage Plans with prescription drug coverage (MA-PDs), visit our page What is Medicare Part D.

Medicare Advantage
Medicare Advantage

A Medicare Advantage Plan, like an HMO or PPO, is a way to get your Medicare benefits. Medicare Advantage Plans are offered by private companies approved by Medicare, and Medicare pays these companies to cover your Medicare benefits. See more at Understanding Medicare Advantage Plans.

Medicare Supplements
Medicare Supplements

A Medicare Supplement policy is health insurance sold by private insurance companies to fill gaps in Original Medicare coverage. Supplements can help pay your share of the costs of Medicare‐covered services. To learn more about these plans (most states have 10 to choose from), visit our page Medicare Supplement.

We’re Here to Help

We know this is overwhelming stuff. Sometimes all it takes is a friend to help walk you through the ins and outs of Medicare to understand your options and make the right choice. Contact us using the form to the right or call—we're a no-cost to you broker of Medicare Insurance, charged with the task of making this process easier to understand so you find the Medicare package that's right for you.

The benefit information provided is a brief summary, not a complete description of benefits. For more information, contact your plan. 

Limitations, copayments, and restrictions may apply.

Benefits, formulary, pharmacy network, provider network, premium and/or co-payments/co-insurance may change on January 1 of each year.

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