Medicare Assistance in Gahanna OH
Guidance You Can Trust — During an Important Transition
Medicare decisions can feel confusing and stressful — especially when you’re trying to understand deadlines, options, and coverage differences.
Our team simplifies the process by walking you through your Medicare choices, explaining your options clearly, and helping you select coverage that fits your healthcare needs and budget.
Before enrollment, we make sure you understand timelines and options.
When coverage is in use, our team remains available to help resolve issues, answer questions, and clarify benefits.
After enrollment, we continue to review your plan with you — empowering you to make adjustments as your healthcare needs change.
LEARN ABOUT MEDICARE
Medicare Part A
Medicare Part A covers your hospital expenses. This includes hospital stays, skilled nursing care, hospice, and home health-care services. You may have to pay various deductibles, coinsurance, and copayments. You earn Part A by paying taxes toward Medicare while working for 10 years (or 40 quarters). If you did not earn Part A, you will pay a premium.
Medicare Part B
Medicare Part B covers services that treat illnesses or conditions such as doctor’s office visits, lab work, x-rays, and outpatient surgeries. It also covers preventive services like cancer screenings and flu shots. Part B also covers medically necessary durable medical equipment such as wheelchairs and walkers to treat a disease or condition. Most people pay a premium for Part B. Even if you are enrolled in a Medicare Advantage plan that provides your Part A and Part B benefits, you will still pay your Part B premium.
Medicare Part D
Original Medicare doesn’t cover prescription drugs. Although Medicare Part D coverage is optional, it can be valuable if you take medications. You will pay a late-enrollment penalty if you don’t sign up for Medicare Part D Coverage when you are first eligible. You can get Medicare Part D prescription drug coverage either through an independent Prescription Drug Plan (PDP), or through a Medicare Advantage Plan that includes prescription drug coverage.
Let us answer your questions.
Call or text 614-475-0036 to get started.
WHAT ARE YOUR CHOICES
Medicare Supplement Insurance Plans
A Medicare Supplement Insurance Plan is used with original Medicare. Any caregiver that accepts Medicare will take a Supplement because they only need to bill Medicare. Medicare pays their part (generally 80% of Medicare covered benefits) and sends the remainder of the bill to the Supplement which pays their part (generally 20%). It is important to note that Supplements do NOT include Prescription Drug Coverage (Part D, PDP) and for those that do not get a PDP when first eligible there will be a penalty when they do get a PDP. (there are exceptions to this) A Medicare Supplement does not change year to year (although the cost does generally go up the coverage does not change).
Medicare Advantage Plans
Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are an “all in one” alternative to Original Medicare. They are offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, you still have Medicare. These "bundled" plans include Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance), and usually Medicare drug coverage (Part D).
Medicare Part D
Medicare Prescription Drug Plan (Part D). These plans (sometimes called "PDPs") add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans.
Each Medicare Prescription Drug Plan has its own list of covered drugs (called a formulary). Many Medicare drug plans place drugs into different "tiers" on their formularies. Drugs in each tier have a different cost.
A drug in a lower tier will generally cost you less than a drug in a higher tier. In some cases, if your drug is on a higher tier and your prescriber thinks you need that drug instead of a similar drug on a lower tier, you or your prescriber can ask your plan for an exception to get a lower copayment.
Why Choose Us?
We are local to you!
We represent all Medicare Supplement, Medicare Advantage, and Prescription insurance plans available to you.
Free consulting advice. You pay us nothing. We are paid by the insurance companies.
Available to meet in-person, by phone or virtually
We will help you enroll in the best possible Medicare plan for your needs.
We will provide updates and assist you year round. Call or text for more information!
"I have been with these folks for more than 8 years now for my home and auto insurance. They provide great quality service and are very responsive to your needs."
-Raki Jani
Let us answer your questions.
Call or text 614-475-0036 to get started.
FREQUENTLY ASKED QUESTIONS
What's the difference between Medicare Part A, Part B, and Part D?
Part A covers hospital and skilled nursing stays, Part B covers doctor visits and outpatient care, and Part D covers prescription drugs — each with its own premiums and rules. We walk through what each part means for your situation.
What's the difference between a Medicare Supplement and a Medicare Advantage plan?
A Medicare Supplement works alongside Original Medicare and pays the remaining share after Medicare pays its portion, while Medicare Advantage is an all-in-one alternative that bundles Part A, B, and usually Part D. We help you compare which fits your healthcare needs and budget.
Will I be penalized if I don't sign up for Medicare Part D right away?
Generally yes — there's a late-enrollment penalty for delaying Part D coverage past your initial eligibility, with some exceptions. We can help you understand whether an exception applies to you.
Does a Medicare Supplement plan cover prescription drugs?
No, Medicare Supplement plans do not include prescription drug coverage on their own, so you'd typically need to pair one with a separate Part D plan.
Does your Medicare guidance cost anything?
No — Medicare consulting is free to you. We're compensated by the insurance carriers, not by charging clients for guidance.
Can you help me even after I've already enrolled in a Medicare plan?
Yes — we provide ongoing support year-round, including annual plan reviews and help with questions or adjustments as your healthcare needs change.
How do Medicare Advantage plan formularies affect my prescription costs?
Each plan has its own drug formulary with cost tiers, so the same medication can cost differently depending on the plan. We help you compare formularies against your actual prescriptions.
Can I switch Medicare plans if my current one no longer fits my needs?
Yes, and we help you evaluate whether switching makes sense during the appropriate enrollment periods, along with any penalties or coverage gaps to watch for.