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Medicare doesn’t have to be confusing. Prime Senior Benefits will help you understand your options. GET STARTEDNew to Medicare?
Our Licensed Insurance Agents Can Help.
Choosing a Medicare plan can feel overwhelming. Between plan types, provider networks, prescription costs, enrollment rules, and out-of-pocket expenses, there are several details to review before making a decision.
Prime Senior Benefits helps individuals and families compare Medicare options with guidance from licensed Medicare agents. Whether you are turning 65, reviewing your current coverage, helping a parent, or preparing for Medicare Open Enrollment, our team can help you understand your options and choose coverage based on your needs.
We make Medicare easy. Take our short Medicare Quiz to get started today!
What Is Medicare?
Medicare is a federal health insurance program for people age 65 and older. Some people under 65 may also qualify because of certain disabilities, end-stage renal disease, or ALS.
Medicare helps pay for many healthcare services, but it does not cover every cost. Depending on your coverage, you may still be responsible for premiums, deductibles, copays, coinsurance, prescription costs, and services not included in your plan.
Medicare is different from Medicaid. Medicare is generally based on age, disability status, or certain medical conditions, while Medicaid is based on income and resource requirements. Some people qualify for both.
Medicare coverage is individual. Spouses do not share one Medicare plan, so each person should review their own eligibility, doctors, prescriptions, and coverage needs.
Medicare Open Enrollment
Medicare Open Enrollment runs from October 15 through December 7 each year.
During this period, you may be able to:
- Switch from Original Medicare to a Medicare Advantage plan
- Switch from a Medicare Advantage plan back to Original Medicare
- Change from one Medicare Advantage plan to another
- Join, switch, or drop a Medicare Part D plan
- Review prescription drug coverage for the upcoming year
- Plan details can change each year. Premiums, copays, deductibles, drug formularies, pharmacy networks, provider networks, and extra benefits may not stay the same.
Open Enrollment is a good time to review your current coverage and confirm that your plan still fits your needs. A licensed Medicare agent can help you compare changes and understand your options before making a decision.
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When Should You Talk to a Medicare Agent?
You may want to talk with a Medicare agent if:
- You are turning 65
- You are retiring soon
- You are losing employer coverage
- You are helping a parent compare options
- You recently moved
- Your prescriptions changed
- Your doctor no longer accepts your plan
- You received an Annual Notice of Change
- You are comparing Original Medicare and Medicare Advantage
- You want to review Medicare Supplement options
- You need help with Part D prescription coverage
Medicare choices can affect your access to care and your out-of-pocket costs. Getting help before you enroll can make the process easier.
We Make Finding the Right Medicare Plan Easy
The right Medicare plan is not always the one with the lowest premium. Your doctors, prescriptions, pharmacy, budget, health needs, and preferred way to receive care can all affect which option makes the most sense.
When you work with Prime Senior Benefits, one of our licensed Medicare agents will compare plans, review costs, check provider access, and help you understand how each choice may affect your coverage. At Prime Senior Benefits, we explain your options clearly so you can make an informed decision with confidence.
What Does Medicare Cover?
Medicare is made up of different parts that cover different types of care. Original Medicare includes Part A and Part B. Some people also choose Medicare Advantage, Medicare Part D, or a Medicare Supplement plan depending on their needs.
Understanding how these options work together can make it easier to compare plans and avoid coverage surprises.
Medicare Part A: Hospital Insurance
Medicare Part A helps cover inpatient hospital care, skilled nursing facility care, hospice care, and some home health care.
Part A may help cover:
Hospital stays
Skilled nursing facility care
Hospice care
Some home health care
Certain inpatient services
Many people qualify for premium-free Part A based on their work history or a spouse’s work history. Costs can vary by situation.
Medicare Part B: Medical Insurance
Medicare Part B helps cover many outpatient medical services.
Part B may help cover:
Doctor visits
Preventive services
Outpatient care
Ambulance services
Durable medical equipment
Mental health services
Certain provider-administered medications
Diagnostic tests and screenings
Most people pay a monthly premium for Part B. Deductibles, coinsurance, and other out-of-pocket costs may also apply.
Medicare Part C: Medicare Advantage
Medicare Part C is also called Medicare Advantage. These plans are offered by private insurance companies approved by Medicare.
Medicare Advantage plans provide your Part A and Part B benefits through the plan. Many also include prescription drug coverage. Some plans may offer extra benefits such as dental, vision, hearing, fitness, transportation, or over-the-counter allowances.
Benefits, costs, provider networks, and availability vary by plan and location. Before enrolling, it is important to review your doctors, hospitals, prescriptions, pharmacies, and estimated costs.
Medicare Part D: Prescription Drug Coverage
Medicare Part D helps cover prescription drugs. You can get Part D through a standalone Prescription Drug Plan or through some Medicare Advantage plans that include drug coverage.
Your medication list, dosage, pharmacy, and plan formulary can all affect your costs. A Medicare insurance agent can help you review prescription coverage before you enroll.
Medicare Supplement Plans
Medicare Supplement plans, also called Medigap plans, help cover certain out-of-pocket costs that Original Medicare does not fully pay.
Depending on the plan, a Medicare Supplement may help with:
- Copays
- Coinsurance
- Deductibles
- Certain hospital costs after Medicare benefits are used
- Some costs related to care while traveling outside the United States
- Medicare Supplement plans work with Original Medicare. They do not replace
- Medicare Part A or Part B, and you must have Original Medicare to enroll.
These plans usually do not include prescription drug coverage. If you need help covering medications, you may also need a separate Medicare Part D prescription drug plan.
Plan options, pricing, and eligibility can vary. A licensed Medicare agent can help you compare Medicare Supplement plans and decide whether this type of coverage fits your needs.
Original Medicare vs. Medicare Advantage
Original Medicare includes Part A and Part B. With Original Medicare, you can usually see any doctor or hospital in the United States that accepts Medicare. However, Original Medicare does not cover every medical expense, so many people choose additional coverage.
Medicare Advantage, also called Part C, is another way to receive your Medicare benefits. These plans are offered by private insurance companies approved by Medicare and include Part A and Part B benefits. Many also include prescription drug coverage and extra benefits.
Some people choose Original Medicare with a Medicare Supplement plan and separate Part D prescription drug coverage instead. The right option depends on your doctors, prescriptions, budget, travel habits, and coverage preferences.
Because Medicare Advantage plans often use provider networks, it is important to compare your options carefully. Prime Senior Benefits can help you review the details before you enroll.
What Does a Medicare Agent Do?
A Medicare agent is a licensed insurance professional who helps people understand and compare Medicare coverage options.
A Medicare agent can help you:
Understand Medicare Parts A, B, C, and D
Compare Original Medicare and Medicare Advantage
Review Medicare Supplement options
Compare prescription drug plans
Check doctors, hospitals, and pharmacies
Review prescription costs
Explain enrollment periods
Help with the enrollment process
The goal is to help you choose coverage that fits your doctors, prescriptions, budget, and healthcare needs.
Why Work With an Independent Medicare Broker?
The right Medicare plan depends on more than the monthly premium. Provider access, prescription drug coverage, deductibles, copays, coinsurance, pharmacy networks, out-of-pocket limits, and plan rules can all affect your total cost and quality of care.
As an independent agency, Prime Senior Benefits is not limited to one insurance company. Our team can compare Medicare Advantage, Medicare Supplement, Prescription Drug Plans, and other coverage options from multiple carriers.
We also bring years of experience in the senior insurance market. Our focus is clear, honest guidance that helps you understand how each option may fit your doctors, medications, budget, and long-term needs.
Medicare decisions can affect your care, costs, and access to certain doctors or pharmacies. Prime Senior Benefits helps make those details easier to understand, so you can move forward with confidence.
Medicare Help Available Nationwide
Prime Senior Benefits helps people compare Medicare options across the United States. Plan availability varies by location, but our licensed agents can review options based on your ZIP code.
Whether you are searching for a Medicare agent near you or need Medicare help by phone, our team can help you compare available plans based on your doctors, prescriptions, budget, and coverage preferences.
We can help if you are new to Medicare, reviewing your current coverage, preparing for Medicare Open Enrollment, or helping someone else understand their options.
We’ll Help You Understand Your Medicare Benefits
Prime Senior Benefits specializes in Medicare and senior insurance options. Our licensed agents can answer questions, compare plan details, and explain coverage in plain language.
Not sure where to start? Take our quick Medicare Quiz to get a better idea of what type of coverage may fit your needs. It is a simple first step before speaking with a licensed agent.
We are available Monday through Friday from 9:00 am to 5:30 pm. You can contact us through our website or call us directly.
Frequently Asked Questions About Medicare Agents and Medicare Coverage
When should I enroll in Medicare?
Most people first become eligible for Medicare around age 65. Your Initial Enrollment Period includes the three months before your birthday month, your birthday month, and the three months after.
What happens if I miss my Medicare enrollment window?
What is Medicare Open Enrollment?
Can I change Medicare plans every year?
In many cases, yes. Medicare Open Enrollment gives people an annual opportunity to review and change certain Medicare Advantage and Part D prescription drug plans. Some people may also qualify for a Special Enrollment Period after certain life events.
What information do I need before enrolling in Medicare?
It helps to have your Medicare card, current insurance information, list of doctors, prescription list, preferred pharmacy, and budget range. This makes it easier to compare plan options and estimated costs.
What does a Medicare agent do?
Is there a cost to work with a Medicare agent?
What is the difference between a Medicare agent and a Medicare broker?
Can a Medicare agent review my doctors and prescriptions?
Can a Medicare agent help during Medicare Open Enrollment?
Who administers Medicare?
Parts A and B are known as Traditional or Original Medicare. The federal government administers this program.
Part C bundles Part A, Part B, and Part D services. Part C is administered by government-approved private insurance companies and regulated by the federal government.
Private insurance companies administer Part D. This coverage is optional but available to everyone with traditional coverage. Part C doesn’t require a separate drug plan.
Get Help with Medicare
Medicare decisions are easier when you understand your options. Prime Senior Benefits can help you compare plans, review prescription coverage, prepare for Medicare Open Enrollment, and choose coverage that fits your needs.