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.
Medicare Basics
Medicare is a federal health insurance program for:
- People age 65 or older
- People under 65 with certain disabilities
- People of any age with End-Stage Renal Disease (ESRD)
If you’re turning 65, your Initial Enrollment Period starts three months before your birthday, includes your birthday month, and ends three months after.
On-Demand Medicare Webinar
Want to better understand Medicare and when to enroll?
Alisa Allen from WPS Health Insurance joined us for an educational session covering the basics of the Medicare program—including what it covers, when to sign up, and how to avoid penalties.
Watch the webinar now to get the information you need to make confident Medicare decisions.
What’s Right for You?
Choosing the right Medicare coverage can feel overwhelming—but you don’t have to figure it out alone.
As part of our value-added service, we’re here to help you answer key questions like:
- What’s the difference between a Medicare Supplement and a Medicare Advantage plan? Click here for a quick overview.
- Which type of plan best fits my medical needs?
- Can I keep my current doctors?
- Will my prescriptions be covered?
- Do I need a drug plan if I’m not currently taking any medications?
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.
Medicare Coverage Options
Part A – Hospital Insurance
- Helps cover inpatient hospital stays, skilled nursing facility care, hospice, and some home health care.
- Most people don’t pay a premium because they or their spouse already paid Medicare taxes while working.
Part B – Medical Insurance
- Covers doctor visits, outpatient care, preventive services, and some home health care.
- Most people pay a monthly premium for Part B.
- If you delay enrolling in Part B when first eligible, you may face a late enrollment penalty unless you qualify for a Special Enrollment Period.
Part C – Medicare Advantage
- Medicare-approved plans offered by private companies that bundle Parts A and B (and often Part D).
- May include extra benefits like vision, dental, hearing, or wellness programs.
- Each plan has different rules and costs—some may require referrals or use a network of providers.
Part D – Prescription Drug Coverage
- Helps cover the cost of prescription medications.
- Offered by private companies; you choose a plan and pay a monthly premium.
- Late enrollment can result in a penalty unless you qualify for an exception.
Medicare Supplement Insurance (Medigap)
Medigap policies help cover some of the out-of-pocket costs not paid by Original Medicare, such as copayments, coinsurance, and deductibles.
Key points:
- You must have Medicare Parts A and B.
- You’ll pay a monthly premium for Medigap in addition to your Part B premium.
- All standardized Medigap plans are guaranteed renewable, even if your health changes.
Medicare Enrollment
- If you’re already receiving Social Security benefits, you’ll be automatically enrolled in Parts A and B.
- If not, you’ll need to enroll yourself during your Initial Enrollment Period.
You can enroll in Medicare Part A and/or Medicare Part B in the following ways:
- Apply online at Social Security.
- Visit your local Social Security office.
- Call Social Security at 1-800-772-1213 (TTY: 1-800-325-0778).
Need help understanding your Medicare options?
We’re here to walk you through your choices and help you find the plan that fits your needs.
Call 800-637-4676 or email info@profinsprog.com
Long-Term Care Insurance
Many people assume Medicare will cover long-term care, but it doesn’t.
Medicare does not pay for:
- Ongoing stays in a nursing home
- Assisted living or adult day care
- Daily help with personal tasks like bathing, dressing, or eating (known as custodial care)
These types of care are often needed as we age or face chronic health issues, and the costs can add up quickly.
Long-term care insurance can help cover these expenses and protect your savings. Policies vary, so it’s important to understand your options before you need care.
Want to explore your options?
We’ll help you review long-term care coverage and find a solution that fits your needs and budget.
Call 800-637-4676 or email info@profinsprog.com to get started.