Craig Turner Insurance Services
Enrolling in Medicare? Enroll in a health care plan that fits your lifestyle and budget.
Trusted Guidance on Medicare & More!
Medicare coverage can be complicated. For help figuring out plan coverage or choosing a plan, contact Craig Turner Insurance Services. All we do is Medicare Insurance Planning day in and day out, 365 days a year.
Compare the costs of different plan options.
Medical care calculations to minimize your costs.
How to and when to enroll in Medicare, properly.
Free guidance for making plan changes or updates.
Choose coverage built just for you.
Everyone has unique Medicare needs. While not always simple to compare, professional Medicare planning is what majority of seniors desperately need and they find it when working with Craig Turner Insurance Services. Get a comprehensive comparison of all the Medicare options available to you, and Craig will make the difference between the plans easy to see and understand. If you are turning 65, now is an excellent time to consult with Craig Turner.
What is Medicare?
Medicare is a United States federal government health insurance program that subsidizes healthcare services. Medicare is the federal health insurance program for:
- People who are 65 or older
- Certain younger people with disabilities
- People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD)
New to Medicare?
What To Do Before Enrolling
There are various steps you can take in the months before you turn 65 to help you get the best Medicare plan for you.
Get The Most Out Of Medicare
Planning for Medicare involves reviewing how you plan to be using your benefits and how to use them to the fullest advantage.
Understand Other Options
In addition to Original Medicare or an MA Plan, you may be able to join other types of Medicare health plans.
Learn Medigap Solutions
When you first enroll in Medicare and during certain times of the year, you can choose how you get your Medicare coverage. There are 2 main ways to get your Medicare coverage—Original Medicare (Part A and Part B) or a Medicare Advantage Plan (Part C). Some people need to get additional coverage, like Medicare prescription drug coverage or Medicare Supplement Insurance (Medigap). Get help finding the right Medigap Plans for your unique needs.
Discover New Ways To $ave
You may be able to save money or have other choices if you have limited income and resources, or have other coverage, like employer or union, military, or veterans’ benefits. Learn about how Medicare works with other insurance. Craig Turner is a veteran and enjoys working with other vets.
Explore affordable Medicare plans that may help you save!
Also referred to as Part C, these plans include Original Medicare Parts A & B benefits; many also include additional coverage for prescription drug, vision, hearing and dental care.
Why do people get Medicare Advantage plans instead of regular Medicare coverage? Lower spending caps and can even have lower premiums, especially if you get a plan that has Medicare Part D for prescriptions drugs too. While you could end up paying a few hundred dollars in premiums on regular Medicare, the average Medicare Advantage premium was just under $30/month in 2018. Rates remain very affordable.
Medicare Supplement Insurance plans, also known as Medigap, help pay for the costs Original Medicare doesn’t cover, like deductibles and copayments. Medicare Supplement plans vary somewhat from state to state, with Wisconsin, Minnesota and Massachusetts offering their own supplemental plans. The other states offer up to 10 sub-plans to original Medicare. Enrollment in Medicare Parts A and B is a prerequisite for eligibility in a supplement plan.
Once your original Medicare pays the portion of a claim that is will cover, a Medigap plan will generally cover all or most of the remaining costs. Medicare Supplement plans do not cover prescription drugs, however, you must have a separate plan that includes Part D to obtain that coverage.
Prescription drug coverage, also known as Part D, helps beneficiaries pay for covered prescription drugs, with preferred pharmacies offering better value. If you enroll in Medicare, you must also sign up for a Part D prescription drug plan unless you intend to pay entirely out-of-pocket for any prescriptions not covered under Part A or Part B.
Given the high price of most drugs, you probably will prefer coverage to minimize healthcare expenses. To help you in your decision-making, learn more about how Part D plans work, what is covered and how much you’ll pay for your drugs.