Professional Insurance Programs



We work with some of the largest and well known insurance carriers specializing in Medicare products for Wisconsin residents.

Medicare is a health insurance program for:

  • people age 65 or older,
    • Eligible at age 65, your initial enrollment period begins three months before your 65th birthday, includes the month you turn age 65, and ends three months after that birthday.
  • people under age 65 with certain disabilities, and
  • people of all ages with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant).

What is right for you?:

As part of our value added services, we can assist you in answering these very important questions…

  • What is the difference between a Medicare Supplement and a Medicare Advantage plan? Click here for a quick overview.
  • Based on my medical needs, which type of plan will help me the most?
  • Can I keep my favorite doctors?
  • How do I know if my prescription drugs are covered?
  • Do I have to take a prescription drug plan if I don’t take any medications?

Medicare Supplement Plans:

A Medicare Supplement Insurance (Medigap) policy, sold by private companies, can help pay some of the health care costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles.

Things to know about a Medicare Supplement Policies

  • You must have Medicare Part A and Part B.
  • You pay the private insurance company a monthly premium for your Medigap policy in addition to the monthly Part B premium that you pay to Medicare.
  • Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can’t cancel your Medigap policy as long as you pay the premium.


Part A Hospital Insurance – Most people don’t pay a premium for Part A because they or a spouse already paid for it through their payroll taxes while working.

Part B Medical Insurance
– Most people pay a monthly premium for Part B. Medicare Part B (Medical Insurance) helps cover doctors’ services and outpatient care.  In most cases, if you don’t sign up for Part B when you’re first eligible, you’ll have to pay a late enrollment penalty. Usually, you don’t pay a late enrollment penalty if you meet certain conditions that allow you to sign up for Part B during a Special Enrollment Period.

Part D Prescription Drug Coverage – Most people will pay a monthly premium for this coverage. Medicare Prescription Drug Coverage is insurance. Private companies provide the coverage. Beneficiaries choose the drug plan and pay a monthly premium. Like other insurance, if a beneficiary decides not to enroll in a drug plan when they are first eligible, they may pay a penalty if they choose to join later.



In general, a person becomes eligible for Medicare at age 65. If you are already getting Social Security retirement or disability benefits, you will be enrolled in Medicare Parts A and B automatically.
If you are not already getting Social Security retirement benefits, you will have to enroll for Medicare Part A and/or Part B.

You can enroll in Medicare Part A and/or Medicare Part B in the following ways:


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Long Term Care:

Many people are surprised to learn that Medicare does not cover long-term nursing care. Medicare does not provide coverage for people who need to go into nursing homes indefinitely because they are disabled or can no longer take care of themselves. Medicare also does not cover assisted living or adult daycare. Medicare also does not cover daily custodial care, such as assistance with eating, bathing and dressing.

Long-term care insurance from private insurance companies can help cover some of the costs of long-term care and can help you preserve your assetsContact us to learn more about long-term care insurance options.