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Medicare Advantage, also called Part C, is another way to receive your Medicare Part A and Part B benefits. Medicare Advantage plans are offered through private insurance companies approved by Medicare. Medicare Supplement Insurance, also called Medigap, works alongside Original Medicare to help cover certain out-of-pocket costs, such as deductibles and coinsurance.

A Medigap plan, or Medicare Supplement plan, gives you additional protection from certain out-of-pocket costs that Original Medicare does not fully cover. These plans can help make healthcare expenses more predictable and may offer more flexibility when choosing Medicare providers.

Original Medicare is the federal health insurance program made up of Medicare Parts A and B. Part A covers hospital care, while Part B helps cover doctor visits, outpatient care, preventive services, and medically necessary services. 

Most people become eligible around age 65, although some may qualify earlier due to certain disabilities or health conditions. You can enroll through Social Security online, by phone, or at a local Social Security office. Some people are enrolled automatically if they are already receiving Social Security benefits.

You can enroll during the open enrollment period. Most people become eligible for Medicare around age 65, although some people may qualify earlier due to certain disabilities or health conditions.  A licensed Medicare agent can help you understand when you may need to enroll and what options may be available based on your situation.

In many cases, Medicare coverage can be reviewed during certain enrollment periods, including annual open enrollment. Because plans, costs, provider networks, and prescription coverage can change, it is a good idea to review your coverage each year.

Many people confuse Medicaid and Medicare. Medicare and Medicaid are both government health coverage programs, but there are key differences between the two.  Medicare is federal health insurance mainly for people age 65 and older, as well as some younger people with certain disabilities or conditions. Medicaid is a joint federal and state program that provides health coverage to people with limited income and resources, and eligibility rules can vary by state. 

For seniors, the biggest difference is that Medicare is generally tied to age or disability, while Medicaid is tied to financial need.

Yes. Some people qualify for both Medicare and Medicaid, a status called dually eligible. In that case, Medicare usually pays first, and Medicaid may help with certain remaining costs or services Medicare does not fully cover.

Medicare health plans can differ in provider networks, prescription drug coverage, costs, plan availability, and additional benefits. Reviewing your options can help you understand which plans may better align with your needs.

Medicare plan availability may vary by location. A licensed advisor can help you review options available in Dublin, Macon, and the surrounding Middle Georgia area.

Life insurance can help seniors plan for final expenses, funeral costs, outstanding debts, income protection for a spouse, or financial support for loved ones. The right policy depends on your goals, budget, health, and family needs.

Common life insurance options for seniors include term life insurance, whole life insurance, and final expense coverage. A licensed insurance agent can help clients compare options and choose a policy that makes sense for their situation.

Final expense insurance is a type of life insurance often used to help cover funeral costs, burial expenses, and other end-of-life expenses. It can help reduce the financial burden on loved ones.

Yes. Prime Senior Benefits is an independent insurance brokerage. Our many agents are licensed with multiple insurance carriers rather than being tied to a single company. This allows agents to help compare available Medicare and life insurance options based on each client’s needs.