Medicare Explained

Original Medicare is a U.S. federal health insurance program that helps cover health care-related costs for eligible individuals: 

Age 65 or older | Under age 65 with a qualifying disability | Individuals of any age with end-stage renal disease

Original Medicare does not offer enough coverage for most, so working with an experienced Advisor who will listen to understand your unique needs, including your budget, is important. Our Medicare team will educate and work with you to find a custom Medicare coverage plan that includes the right Supplemental plans and Prescription (Rx) benefits.

Why Work with a Medicare Advisor

Healthcare coverage for retiring employees and those 65 and older who continue to work can be complex and confusing. We’re here to help simplify the Medicare maze.

A licensed Medicare Advisor will guide you through the available health care insurance options when turning age 65, making sure you avoid penalties or pitfalls. We’ll help you navigate the complexities of Prescription Rx benefits and the challenges of creditable coverage. And, we're here to help you understand and find the best available Medicare and Supplemental coverage options and uncover the right plan(s) to meet your needs and your budget as you enter retirement.

If you are:

Planning to retire soon, and have had continuous employer-sponsored group coverage since turning 65 or becoming Medicare eligible;

Concerned about the Late Enrolment Penalty (LEP) for Medicare Part B & Part D;

Wanting to better understand Income Related Adjustment (IRMAA), your Initial Enrollment Period (IEP), or Special Enrollment Period (SEP) details;

Curious about what happens if you or your spouse is not Medicare eligible at the same time, and want to better understand the right timing for enrolling in Medicare Part A and Part B;

In need of information about the advantages or disadvantages of choosing Medicare Supplement PPO “Medigap” plan, Medicare Advantage HMO plan, or other supplemental coverage that can help you avoid the gaps of original Medicare;

Or, if you need an experienced Advisor who keeps up with all changes to the Medicare program, you may need:

A Dedicated, Licensed Medicare Advisor

Allow us to help you ease your move to Medicare. Contact us, or request a consultation using the link below. Mindshare Group’s independent, licensed Medicare team is available to listen, learn about your unique situation, and guide you every step of the way.