Medicare Quotes

Get a Medicare Quote - Medicare Plans

Here are just a few reasons that individuals and companies choose Long Term Care Insurance Advisors for all of their Medicare Needs:

  1. As independent Medicare insurance brokers, we don’t cost you a single penny extra (link to how we get paid).
  2. We are licensed and thoroughly trained by all the top Medicare carriers offering plans in Minnesota.
  3. We will guide you through all the steps on how to setup your Medicare account, request your Medicare card, run reports, confirm your doctors, dentists, chiropractors, hospitals, and pharmacies are all in your network.
  4. We will analyze your prescription medications using our drug calculator to see which Medicare plan will cover your drugs at the very best price.
  5. We are here throughout the year for you to make changes to your plan when you need to.
  6. We have direct access to the Insurance companies and get you help when you need it most.
  7. We provide you with free unrivaled support for life.
BUT FIRST…

For you to enroll in a Medicare Part C plan (Medicare Advantage) or Medicare Part D (Prescription Drug Plan), you first must enroll in Medicare Part A (Hospital) and Medicare Part B (Medical).  Following is a brief overview of this process:

HOW DO I SIGN UP FOR MEDICARE?

If you are currently enrolled in Social Security and will have received at least 4 monthly benefit checks prior to your 65th birthday month, you will automatically be enrolled in Medicare Parts A and B, effective the first day of your birthday month (if your birthday falls on the 1st, Medicare will be effective the 1st of the prior month). 

You will receive a Medicare card in the mail from the Social Security Administration.

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Medicare Insurance Quote


Get a Medicare Quote - Medicare Plans

Here are just a few reasons why you want us to help put together your plan for Medicare:
  1. As independent Medicare insurance brokers, we don’t cost you a single penny extra (link to how we get paid).
  2. We are licensed and thoroughly trained by all the top Medicare carriers offering plans in Minnesota.
  3. We will guide you through all the steps on how to setup your Medicare account, request your Medicare card, run reports, confirm your doctors, dentists, chiropractors, hospitals, and pharmacies are all in your network.
  4. We will analyze your prescription medications using our drug calculator to see which Medicare plan will cover your drugs at the very best price.
  5. We are here throughout the year for you to make changes to your plan when you need to.
  6. We have direct access to the Insurance companies and get you help when you need it most.
  7. We provide you with free unrivaled support for life.

BUT FIRST…

For you to enroll in a Medicare Part C plan (Medicare Advantage) or Medicare Part D (Prescription Drug Plan), you first must enroll in Medicare Part A (Hospital) and Medicare Part B (Medical).  Following is a brief overview of this process:

HOW DO I SIGN UP FOR MEDICARE?

If you are currently enrolled in Social Security and will have received at least 4 monthly benefit checks prior to your 65th birthday month, you will automatically be enrolled in Medicare Parts A and B, effective the first day of your birthday month (if your birthday falls on the 1st, Medicare will be effective the 1st of the prior month). 

You will receive a Medicare card in the mail from the Social Security Administration.

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If you are not currently receiving monthly Social Security benefit checks, you will need to self-enroll into Medicare.

It is recommended that you enroll in Medicare Parts A & B about 3 months prior to your 65th birthday month.  Three options for enrolling in Medicare include:

  1. Online at https://www.ssa.gov/benefits/Medicare/
  2. Phone call to Social Security at 1-800-772-1213
  3. Schedule appointment at a Social Security office near you

You will receive your red, white, and blue Medicare card in the mail from the Social Security Administration.  Now you are officially able to review plans, select a plan, and enroll in a plan.

Medicare Indusurance MN
AND THEN....

Comparing Medicare quotes to find who has the most suitable and affordable Medicare plan in your County will depend on what doctors and clinics you use and how often you use them.  Once you share your doctors and clinics, we can add your current prescription medications to the mix.  Our software will them search for the most competitive Medicare plans that match your criteria.  Most Medicare Advantage plans will cost under $100 per month, with several available at $0 (zero dollar) monthly premiums.  The average cost for Part D prescription drug plans is about $48 per month.  Medicare Supplement insurance quotes will show plans costing around $260 per month.

In 2020, 62.6 Million People Were Enrolled in the Medicare Program, Which Equates to 18.4 Percent of all People in the United States.  RetireGuide®.

What is a Medicare Advantage plan?

Medicare Advantage is Part C of Medicare.  Medicare Advantage plans, offered by private insurance companies, take the place of Medicare Parts A & B and often include Part D drug coverage as well.  With this arrangement you will receive all your Medicare benefits from the insurance company offering the plan.  Many Advantage plans may include benefits that are not offered by Medicare A & B, such as, routine physicals, eye exams, hearing exams, dental benefits, eyeglass allowance, over-the-counter benefit, gym membership, prescription drugs, and hearing aids.

What is a Medicare Supplement plan (aka Medigap plan)?

A Medicare Supplement is an insurance plan offered by private insurance companies that provides coverage for the “gaps” in Medicare.  When you combine Medicare Parts A & B with a Medigap plan, you can receive 100% coverage for most expenses eligible under Medicare.  Since Medigap does not cover prescription drugs, you usually will add a stand-alone Part D drug plan to complete your package.

What is a Medicare Cost plan?

Medicare Cost plan is a type of Medicare plan that is neither an Advantage plan nor a Supplement plan.  These plans are offered by private insurance companies in a limited number (21) of mostly rural counties in Minnesota.  Until a change in the federal law effective in January 2019, Medicare Cost plans were available statewide and were the most popular type of Medicare plan option.  They had reasonable premiums, large networks, and good benefits.  Cost plans are definitely worth considering if they are offered in your County.

FINALLY....

We will provide a thorough, comprehensive review of your personal situation to narrow down the choices for the plan that would work best based on your unique circumstances.  Just submit a request for a Medicare insurance quote.  By doing so, you agree to receive this information, and a personal contact from our office.  Or just give us a call at (952) 937-9127.  

To learn more, in general, visit the following websites at: 

https://mn.gov/commerce/consumers/your-insurance/health-insurance/medicare.jsp

https://www.medicare.gov

To find the best Part D prescription drug plan for you, click the link below:

https://ltcadv.com/medicare-part-d-drug-list/

You Owe it to Yourself and Your Family!

Get your free Medicare Quote Today!