Understanding Medicare

Medicare is part of the Social Security system designed to provide healthcare to people age 65 and older, to people under the age of 65 who have been on Social Security disability for at least 2 years, or have been diagnosed with end stage renal disease. Medicare was designed to cover the majority of recipients’ healthcare costs but still leaves them exposed to deductibles, coinsurance, co-pays, and excess charges. These out-of-pocket expenses are often referred to as “gaps in coverage.”

Navigating the Road to Medicare

The most trusted Medicare workshop in Kansas City.

This highly informative and interactive workshop will give you an excellent overview of your Medicare options. For more information, upcoming dates and locations, and free reservations, reserve your seat.

navigating the road to medicare

Reserve Your Seat

The Turning-65 Checklist:

Seven to nine months before your 65th birthday:

  • Confirm your eligibility for Medicare benefits. Contact the Social Security Administration at (800) 772-1213.
  • Review your current health insurance coverage. Find out what happens after you turn 65.
  • Get answers. Call (816) 792-9850 to speak with us and find out what Medicare covers.

Four to six months before your 65th birthday:

  • Review your Medicare Supplement insurance plan options. Or call (816) 792-9850 to discuss the available plans.
  • Call your doctors. Make sure they accept Medicare.

One to three months before your 65th birthday:

  • Enroll in Medicare Parts A and B. If you do not receive your automatic enrollment information in the mail, contact the Social Security Administration at (800) 772-1213.
  • Enroll in a Medicare Supplement insurance plan. Call us at (816) 792-9850 if you have any questions.
  • Enroll in a Medicare Part D prescription drug plan. Call us at (816) 792-9850 if you have any questions.


The Four Parts of Medicare:

Medicare Part A

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Medicare Part B

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Medicare Part C

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Medicare Part D

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Medicare Supplement Coverage

What Medicare Leaves You Pay Plan A Covers Plan D Covers Plan F Covers Plan G Covers Plan M Covers Plan N Covers
Part A Hospital Care $1,316 first-day deductible 50%
Charges for the first three pints of blood
$329 per day for 61st-90th day in the hospital
$658 per day for 91st-150th day in the hospital
100% of bills after day 150 in the hospital for an additional 365 days
Skilled Nursing Facility Care $164.50 per day for 21st-100th day of a skilled nursing facility stay
Part B Physician Services & Supplies $183 yearly deductible
Generally, 20% of the Medicare-eligable charges
Charges for the first three pints of blood
Physician charges in excess of Medicare-approved amounts
Emergency Care in a Foreign Country 100% of bills

Medicare News

Understanding Medicare Summary Notices

For people with Original Medicare, Medicare Summary Notices (MSNs) list recent… Read More

Making Complaints Less Complex

We hope every healthcare experience you have is positive, and we offer a variety of tools … Read More

Medicare Deductibles

Part B premium: Most people pay $134.00 each month. Part B deductible: $183 per year… Read More

Social Security Numbers

To help reduce identity theft, social security numbers will be removed from Medicare… Read More