Medicare Plans in Norfolk, NE
Understanding Medicare
Your Guide to Medicare Coverage Options
If you’re turning 65 or retiring soon, enrolling in Medicare is an important step in ensuring you have the right health coverage for your future. However, Medicare can be complex and confusing—which is where we come in.
At Insurance 365, we help individuals in Norfolk, NE navigate their Medicare options, compare plans, and enroll with confidence. Whether you need Medicare Supplement plans, Medicare Advantage, or Part D prescription coverage, we’ll guide you to the best solution for your health and budget.
Medicare Plan Options:
Find the Best Medicare Coverage for Your Needs
Original Medicare (Parts A & B)
Provides coverage for hospital stays (Part A) and medical care (Part B) but does not cover prescriptions, dental, or vision.
Medicare Supplement Plans (Medigap)
Helps cover out-of-pocket expenses like deductibles, copays, and coinsurance not covered by Original Medicare.
Medicare Advantage (Part C)
An all-in-one plan that includes hospital, medical, and often prescription drug coverage, plus dental and vision benefits.
Why Work With Insurance 365?
Personalized Medicare Help From Local Experts
We take the time to explain your options. No confusing jargon—just clear answers.
We work with top-rated insurance carriers. Get unbiased recommendations.
We offer one-on-one consultations. Whether in person, by phone, or via Zoom.
Medicare FAQs
1. What is the difference between Original Medicare and Medicare Advantage?
Original Medicare (Parts A & B) covers hospital stays and medical services but requires additional plans for prescriptions, vision, and dental coverage. Medicare Advantage (Part C) combines all these services into one comprehensive plan, often with additional benefits like gym memberships and wellness programs.
2. What is a Medicare Supplement Plan (Medigap), and do I need one?
Medigap policies help cover out-of-pocket costs that Original Medicare does not pay for, like copays, deductibles, and coinsurance. If you frequently visit doctors or hospitals, a Medigap plan can provide significant financial relief by lowering unexpected medical expenses.
3. When can I enroll in Medicare?
Your Initial Enrollment Period (IEP) begins three months before your 65th birthday and lasts for seven months total. If you miss this window, you may face penalties unless you qualify for a Special Enrollment Period (SEP).
4. Does Medicare cover prescription drugs?
Original Medicare does not cover prescription drugs, but you can enroll in Medicare Part D for prescription coverage. Medicare Advantage plans often include drug coverage, so it’s important to compare your options.
5. Can I switch Medicare plans if I’m unhappy with my coverage?
Yes! The Medicare Annual Enrollment Period (AEP) runs from October 15 – December 7 each year. This is your chance to change your Medicare Advantage or Part D plan if you want different coverage for the following year.
