Medicare Enrollment & Healthcare | Aiken SC, North Augusta, CSRA

Medicare

🩺 Medicare Kept Simple

Medicare kicks in at 65—or earlier if you have certain disabilities. But with all the parts, plans, and deadlines, it’s easy to get overwhelmed. That’s where we come in.

Our expert agents help you:

Understand only the options you need
Match coverage to your health and budget
Maximize benefits while minimizing costs

⚠️ Still Working at 65? Read This

If you’re drawing Social Security but still working, automatic Medicare enrollment could limit your employer coverage—even Part A. Schedule an in-home visit 4–6 months before your 64th birthday to avoid costly surprises.

📬 Already on Social Security?

You should get your Medicare card about 30 days after automatic enrollment kicks in—three months before your 65th birthday month. If it’s less than two months out and no card in sight, call us ASAP.

Original Medicare

🩺 Medicare Basics—Made Easy

Part A covers hospital stays. If you’ve earned 40 work credits, it’s premium-free—but watch out for high copays. Not sure about your credits? Check your Social Security statement or call us.

Part B covers doctor visits. Your premium is based on your income from two years ago, plus a deductible and 20% coinsurance.

Part D handles prescriptions. Premiums also depend on past income, and most meds come with copays. We’ll help you pick the ONE plan out of 30+ that saves you the most.

⚠️ Original Medicare = Big Gaps

You can see any provider who accepts Medicare, but there’s no cap on out-of-pocket costs. That can get expensive fast.

📅 Enrollment Tips

Sign up for Part A when first eligible
Enroll in Part B and D when leaving employer coverage
Miss a deadline? You could face penalties—talk to an agent to avoid them

Medicare Advantage

🧾 Medicare Advantage (Part C): What You Need to Know

Medicare Advantage plans are private, pay-as-you-go health plans that replace Original Medicare—and often offer more. Most include prescription coverage plus some extras like dental, vision, hearing, transportation, and OTC or food benefits.

📍 Know Your Network

Plans use PPO or HMO networks, so double-check that your doctors are in-network before enrolling.

💡 Coverage & Costs

Must match or exceed Original Medicare benefits
Most plans use copays instead of deductibles for medical services
Prescription coverage usually includes a deductible
All plans have coverage gaps—but they cap your annual out-of-pocket costs (typically under $10,000)

📅 When to Enroll

At Medicare eligibility
During Annual Election (Oct 15–Dec 7)
Or during Special Election Periods

📌 Choose Wisely

Plans vary widely by county and carrier. Our agents help you compare options based on what matters most—cost, coverage, service, or specific benefits.

Medicare Supplements

🧩 Medicare Supplements: Great Coverage, But Know the Trade-Offs

Medicare Supplements (aka Medigap plans) can be your best defense against the gaps in Original Medicare—but they’re not free. There are 12 plans in total, each with different coverage levels and costs.

🎂 Turning 65 after Jan 1, 2020? You’ve got 9 options—Plans C, F, and HDF are off the table for new enrollees.

These plans can offer serious peace of mind, but choosing the right one means balancing coverage with cost. We’ll help you find the sweet spot.

🧮 Medicare Supplements: Same Coverage, Different Price Tags

Not all Medigap plans are created equal—at least when it comes to cost. While each plan offers a different level of coverage, your premium can swing wildly depending on:

🏠 Where you live
🚬 Tobacco use
🎂 Age & gender
🏢 The insurance carrier

Here’s the kicker: Medicare designs the plans, so Plan G from Carrier A covers the same as Plan G from Carrier B. The only real differences? Customer service, rate history, and how much they charge you.

💡 Already enrolled? It’s smart to review your plan every couple of years—those annual rate hikes can sneak up on you.

🦷👓👂 And don’t forget: most Medigap plans don’t include dental, vision, or hearing. If you want full-body peace of mind, you’ll need to add those separately.

📈 Medicare Supplement Premiums: Aging Gracefully… But Not Cheaply

As you age, your Medigap premiums tend to rise—but not because of how often you visit the doctor. The real culprits? Your location and the insurance carrier’s pricing strategy.

💡 The good news: You’re not stuck. You can apply to switch plans and potentially lower your costs any time of year. Just be ready to pass a health questionnaire—nothing too scary, but it’s part of the process.

🤝 We work with over 35 carriers nationwide, so we can help you find a plan that fits both your health needs and your budget.

🧭 Choosing the Right Plan Doesn’t Have to Be a Maze

Sorting through Medigap options can feel like trying to read a menu in a foreign language. That’s where we come in. We’ll simplify the choices, cut through the jargon, and make understanding and signing up a breeze.

Let’s make Medicare feel less like a puzzle and more like a plan. We are ready when you are.