Collective:Choice is here to help you make a confident decision about your Medicare Supplement Insurance or Advantage decision.

Understand your Medicare options, clearly.

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Call our licensed insurance agents for a consultation

By completing the form above, I understand that a licensed agent may call or email me to discuss Medicare insurance and/or individual health insurance plans. This is a solicitation for insurance.

How Medicare Works

Medicare is made up of several parts that you can choose from to fit your needs. Here’s an overview of how each of these parts work together.

Original Medicare

Once you turn 65 , you’re eligible for Original Medicare—Part A and Part B.

Most people get premium-free Part A  for free  which covers essential hospital services—and buy Part B to cover essential doctor services.

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You’re eligible to enroll 3 months before your 65th birthday. If you have certain disabilities, you may qualify earlier.

Which disabilities?

Part A is premium-free if you (or your spouse) have paid Medicare taxes for 10+ years.

What if I haven't?

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Part A

Hospital & inpatient

  • Hospital-related coverage

  • Emergency care

  • Skilled nursing

  • Home health services

  • Hospice

Part B

Doctors and Medical

  • Doctor’s office visits

  • Laboratory services

  • Medical equipment

  • Mental health services

  • Outpatient and ambulatory services

Additional coverage

Parts A and B only cover the essentials, and charge significant out-of-pocket  costs, so many people use additional plans to reduce these costs or to increase coverage.

One way to do this is by using either a Medicare Supplement Insurance or Advantage plan.

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3 Out-of-pocket costs = deductibles, co-pays, and co-insurance.

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What is a copayment?


The fixed amount you pay for specific health care services (visiting your doctor, refilling your prescriptions)




What is a deductible?


The amount you’re required to pay before your insurance starts helping you cover the cost




What is coinsurance?


The percentage you have to pay for medical bills after you hit your deductible and before you reach your out-of-pocket max




What is the out-of-pocket max?


The most you will pay during your coverage period (typically 12 months)





Prescription Drug Coverage

You can get coverage for prescription drugs in two different ways:

  • If you have a Medicare Supplement Insurance Policy, add drug coverage with Part D

  • Choose one of the many Advantage plans that include drug coverage.

Part D

You can add on Part D in these combinations of plans:

  • Part A + Part D

  • Part A + Part B + Part D

  • Part A + Part B + Supplement + Part D

  • An Advantage plan that includes Part D

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What does Part D cover?


Prescription drugs are covered at different rates depending on what tier they fall under:

Tier 1: Generic drugs

Tier 2: Preferred brand-name drugs

Tier 3: Non-preferred brand-name drugs

Tier 4: High-cost drugs

For example, your plan may cover 80% for “generic drugs” and 20% for “preferred brand name drugs."




When can I enroll?


If you are enrolled in Medicare Part A and B you can enroll in Part D during your Initial Enrollment Period:

The seven-month period that includes the three months before your 65th birthday, the month you turn 65, and the three months after your birthday.





Phone Consultation

Our licensed insurance agents can answer all of your Medicare questions.

We’ll help you understand:

  • Medicare enrollment and eligibility

  • Medicare costs

  • Financial assistance

  • Plus more

Medicare Supplement Insurance Enrollment Assistance

We can also help you enroll in a Medicare Supplement Insurance plan, giving you more flexibility and control over your health insurance.

Benefits of Supplement Coverage

Choose who you see

  • Doctors, hospitals, and specialists

Control your costs

  • Low or no out-of-pocket expenses

  • 10 plan types with various levels of coverage & costs

Go anywhere

  • Stay covered while you travel

Ready to speak with one of our licensed insurance agents?

Call our licensed insurance agents for a consultation

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By completing the form above, I understand that a licensed agent may call or email me to discuss Medicare insurance and/or individual health insurance plans. This is a solicitation for insurance.