GET HELP WITH MEDICARE PLANS
Finding the right health insurance policy can feel overwhelming. That’s why Healthcare Navigators Insurance Agency provide a wide range of options from trusted companies, including Medicare Advantage, Medicare Supplement, and Rx Drug Plans.
Our goal is to guide you every step of the way, offering not only the right plan tailored to your needs but also comprehensive support with all aspects related to Medicare.
LILIANA KETH and ALISA YURCHENKO
Co-Founders and Trusted Advisors
Our goal is to guide you every step of the way, offering not only the right plan tailored to your needs but also comprehensive support with all aspects related to Medicare.
LILIANA KETH and ALISA YURCHENKO
Co-Founders and Trusted Advisors
Not sure which Medicare plan to choose? We’re here to help.
At Healthcare Navigators Insurance Agency, you can receive a free professional consultation with no obligation.
When choosing Medicare coverage, you have four main options:
When choosing Medicare coverage, you have four main options:
-
Stay on your employer’s planIf you continue working and have health insurance through your employer, you may be able to keep your existing coverage. However, these plans can often be more expensive and may not always meet your healthcare needs after you become eligible for Medicare. - Choose Original MedicareOriginal Medicare (Part A and Part B) provides basic medical coverage, but it does not cover all medical expenses and generally does not include prescription drug coverage. As a result, you may have to pay some costs out of pocket.
- Add Medicare Supplement (Medigap)A Medicare Supplement (Medigap) plan helps cover many of the costs that Original Medicare does not pay and allows you to see any doctor who accepts Medicare. However, these plans are not available to everyone and generally require an additional monthly premium.
- Choose Medicare Advantage (Part C)Medicare Advantage plans combine Part A and Part B coverage, often include prescription drug coverage (Part D), and may offer additional benefits such as dental, vision, and hearing services. Most of these plans require you to receive care through a network of doctors and medical facilities that participate in the plan.
Who Is Eligible for Medicare?
Medicare is a federal health insurance program primarily for U.S. citizens and certain legal permanent residents who are 65 or older. You may also qualify if you are under 65 and have a qualifying disability, End-Stage Renal Disease (ESRD), or ALS (Lou Gehrig’s disease).
- Age-Based EligibilityAge 65 or older: You are generally eligible to enroll in Medicare when you turn 65.
Work History: To qualify for premium-free Medicare Part A (Hospital Insurance), you or your spouse must have worked and paid Medicare taxes for at least 10 years (40 quarters). If you do not meet this requirement, you may still enroll in Medicare by paying a monthly premium (some exceptions for low-income individuals may apply).
Automatic Enrollment: If you are already receiving Social Security or Railroad Retirement Board (RRB) retirement benefits when you become eligible, you will typically be enrolled in Medicare automatically. - Disability-Based Eligibility (Under Age 65)You may qualify for Medicare before age 65 if you meet the eligibility requirements and fall into one of the following categories:
Long-Term Disability: If you receive Social Security Disability Insurance (SSDI) benefits for 24 months, you are generally enrolled in Medicare automatically beginning in your 25th month of disability benefits.
End-Stage Renal Disease (ESRD): Individuals with permanent kidney failure requiring regular dialysis or a kidney transplant may qualify for Medicare.
ALS (Lou Gehrig’s Disease): Individuals diagnosed with ALS qualify for Medicare immediately upon becoming eligible for disability benefits, without the usual waiting period.
How to Apply
If you are not automatically enrolled in Medicare, you can apply through the Social Security Administration during your Initial Enrollment Period, which begins 3 months before the month you turn 65, includes your birthday month, and ends 3 months after your birthday month.
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Not Sure Where to Start?Healthcare Navigators Insurance Agency is here to help you understand your Medicare options and guide you through the enrollment process at no cost and with no obligation.
The Medicare Basics
Original Medicare:
Part A
(Hospital Insurance)
Part A
(Hospital Insurance)
PROVIDES COVERAGE FOR:
Read more - Inpatient hospital care
- Skilled nursing facilities
- Hospice care
- Limited home health care
Original Medicare:
Part B
(Medical Insurance)
Part B
(Medical Insurance)
PROVIDES COVERAGE FOR:
Read more - Doctor visits and preventative services
- Outpatient surgery
- Diagnostic screenings
- Emergency care
- Durable medical equipment
Part A Costs
Eligible and paid into Social Security for 40 quarters:
Pay no cost for Part A.
Eligible and paid at least 30 quarters:
Reduced cost: $311
Eligible and paid less than 30 quarters:
Full cost: $565
Don’t qualify on your own?
May be eligible base on your spouse’s work history when you turn 65.
Interested in this plan?
Leave a request in form below and and Independent agent Liliana Keth will contact you back.
Pay no cost for Part A.
Eligible and paid at least 30 quarters:
Reduced cost: $311
Eligible and paid less than 30 quarters:
Full cost: $565
Don’t qualify on your own?
May be eligible base on your spouse’s work history when you turn 65.
Interested in this plan?
Leave a request in form below and and Independent agent Liliana Keth will contact you back.
By clicking the button you agree to our Privacy Policy
Part B Costs
Annual Deductible: $283
Deductible must be paid before Medicare can pay for 80% of your bill.
Total Cost You Owe: 20%
After deductible is met, you typically pay 20% of the Medicare-approved amount for most doctor services.
You may incur additional costs if a doctor does not accept Medicare.
The standard Part B cost is $202.90 each month
(or higher depending on your income. See the IRMMA Income Bracket slide.)
Part B - Late Enrollment Penalty
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Interested in this plan?
Leave a request in form below and and Independent agent Liliana Keth will contact you back.
Deductible must be paid before Medicare can pay for 80% of your bill.
Total Cost You Owe: 20%
After deductible is met, you typically pay 20% of the Medicare-approved amount for most doctor services.
You may incur additional costs if a doctor does not accept Medicare.
The standard Part B cost is $202.90 each month
(or higher depending on your income. See the IRMMA Income Bracket slide.)
Part B - Late Enrollment Penalty
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Interested in this plan?
Leave a request in form below and and Independent agent Liliana Keth will contact you back.
By clicking the button you agree to our Privacy Policy
Original Medicare generally covers 80% of your hospital and medical expenses.
Ask Medicare experts Liliana Keth and Alisa Yurchenko at Healthcare Navigators Insurance Agency for any additional info
-
Original Medicare does not cover:- Deductibles
- Copays/Coinsurance
- Outpatient Prescription Drugs
- Healthcare outside the U.S.
- Hearing Aides, Exams, Screenings
- Routine Eye Exams and Most Glasses
You have options for additional coverage:
Most Part C plans includes:
Medicare Advantage plans are offered by private insurance companies approved by Medicare and is an alternative option to Original Medicare.
Includes:
Includes:
(Medicare Advantage)
Additional Coverage:
Part C
Part C
Part D - Prescription Drug Coverage
Part B - Medical Coverage
Part A - Hospital Coverage
For some prescription drug costs
Two types of Part D Coverage
Stand-alone OR with an integrated Medicare Advantage plan
Must be enrolled in Part A and/or Part B
Live within the plan’s service area
Two types of Part D Coverage
Stand-alone OR with an integrated Medicare Advantage plan
Must be enrolled in Part A and/or Part B
Live within the plan’s service area
Provides coverage for:
(Prescription Drugs)
Additional Coverage:
Part D
Part D
Can cover deductibles, copays, and coinsurance
Freedom to choose any Medicare-appointed doctor in the U.S.
Standardized plan letter with associated services
Has a monthly cost and will vary based on county/zip code
Freedom to choose any Medicare-appointed doctor in the U.S.
Standardized plan letter with associated services
Has a monthly cost and will vary based on county/zip code
Can fill some of the gaps Original Medicare does not cover.
Additional Coverage:
Medicare Supplement
Medicare Supplement
Medicare Supplements do not cover:
- Prescription Drugs
- Drug coverage will need to be separate through:
- Prescription Drug Plan, or
- Other creditable coverage
Interested in this plan?
Leave your contact to discuss any additional details with Healthcare Navigators Insurance Agency
By clicking the button you agree to our Privacy Policy
Part D Coverage
PHASE 1 / ANNUAL DEDUCTIBLE
The amount you pay before a plan covers your prescription drug costs.
Deductible Range: $0 - $615
PHASE 2 / INITIAL COVERAGE
The plan pays its share of the cost, and you pay your share (copays and coinsurance).
Your Maximum Out-of-Pocket Rx Drug Costs (copays and coinsurance): $2,100
PHASE 3 / CATASTROPHIC COVERAGE
After you reach the MOOP, the plan will pay your drug costs for the rest of the year.
No copay or coinsurance.
Part D - Late Enrollment Penalty
⚠️ Did not sign up for Part D when first eligible and did not have creditable coverage for more than 63 days?
You may have to pay a late enrollment penalty for as long as you have Part D.
⚠️ Monthly cost will have a penalty of 1% of the national base premium multiplied by the full, uncovered months you were eligible.
NATIONAL BASE PREMIUM: $38.99
Interested in this plan?
Leave your contact to discuss any additional details with Healthcare Navigators Insurance Agency
The amount you pay before a plan covers your prescription drug costs.
Deductible Range: $0 - $615
PHASE 2 / INITIAL COVERAGE
The plan pays its share of the cost, and you pay your share (copays and coinsurance).
Your Maximum Out-of-Pocket Rx Drug Costs (copays and coinsurance): $2,100
PHASE 3 / CATASTROPHIC COVERAGE
After you reach the MOOP, the plan will pay your drug costs for the rest of the year.
No copay or coinsurance.
Part D - Late Enrollment Penalty
⚠️ Did not sign up for Part D when first eligible and did not have creditable coverage for more than 63 days?
You may have to pay a late enrollment penalty for as long as you have Part D.
⚠️ Monthly cost will have a penalty of 1% of the national base premium multiplied by the full, uncovered months you were eligible.
NATIONAL BASE PREMIUM: $38.99
Interested in this plan?
Leave your contact to discuss any additional details with Healthcare Navigators Insurance Agency
By clicking the button you agree to our Privacy Policy
Part C: Medicare Advantage Plan
Medicare Advantage plans are offered by private insurance companies approved by Medicare and is an alternative option to Original Medicare.
Interested in this plan?
Leave your contact to discuss any additional details with Healthcare Navigators Insurance Agency
Interested in this plan?
Leave your contact to discuss any additional details with Healthcare Navigators Insurance Agency
By clicking the button you agree to our Privacy Policy
Enrollment Periods
(IEP)
(IEP)
Initial Enrollment Period
7-month “Turning 65” Election Period
(AEP)
(AEP)
Annual Enrollment Period
October 15 to December 7
(OEP)
(OEP)
Open Enrollment Period
January 1 to March 31
Lock-in Period
April 1 to December 31
(SEP)
(SEP)
Special Enrollment Period
Special circumstances within the year
Medicare Supplement Enrollment Period
A six-month window that begins on your Part B effective date or 65th birthday, whichever is later.
- No medical underwriting.
- Can choose from any Medicare Supplement Plan options.
- All plan options may not be available.
- If you do not qualify for a GI situation, you may need to undergo medical underwriting.
Medicare Supplement Guaranteed Issue (GI)
There are several other GI situations to enroll into a Medicare Supplement plan with no underwriting. For example:
- Loss of coverage
- Moving to a new area, and many more
Medicare Supplement Guaranteed Issue (GI)
There are several other GI situations to enroll into a Medicare Supplement plan with no underwriting. For example:
- Loss of coverage
- Moving to a new area, and many more
- All plan options may not be available.
- If you do not qualify for a GI situation, you may need to undergo medical underwriting.
See complete information about Medicare plans, rates and additional explanations in short slideshow
Understanding Your Medicare Options
FAQ
Medicare is a federal health insurance program mainly for people age 65 and older, and for some younger individuals with qualifying conditions.
Most people can enroll around their 65th birthday during their Initial Enrollment Period. There are also Special Enrollment Periods in certain situations.
Not always. Many Medicare plans allow you to keep your current doctors, as long as they are in the plan’s network.
Medicare helps cover hospital care, doctor visits, preventive services, and some prescription drugs. Coverage details depend on the specific plan you choose.
The best plan depends on your healthcare needs, medications, doctors, and budget. Comparing plan options can help you find one that fits your situation.
Choose Medicare Advantage (Part C)
Medicare Advantage plans combine Part A and Part B coverage, often include prescription drug coverage (Part D), and may offer additional benefits such as dental, vision, and hearing services. Most of these plans require you to receive care through a network of doctors and medical facilities that participate in the plan.
Choose Original Medicare
Original Medicare (Part A and Part B) provides basic medical coverage, but it does not cover all medical expenses and generally does not include prescription drug coverage. As a result, you may have to pay some costs out of pocket.
Stay on your employer’s plan
If you continue working and have health insurance through your employer, you may be able to keep your existing coverage. However, these plans can often be more expensive and may not always meet your healthcare needs after you become eligible for Medicare.
Add Medicare Supplement (Medigap)
A Medicare Supplement (Medigap) plan helps cover many of the costs that Original Medicare does not pay and allows you to see any doctor who accepts Medicare. However, these plans are not available to everyone and generally require an additional monthly premium.
Liliana Keth is a licensed Medicare Insurance Broker and accomplished financial professional with decades of experience helping individuals, families, and seniors protect their health, finances, and future. Her unique background in law, financial planning, and Medicare consulting allows her to provide clients with knowledgeable guidance tailored to their individual healthcare and retirement needs.
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FOUNDER & PRESIDENT
Liliana Keth
lic #0F03503
Alisa Yurchenko
Chief Executive Officer
Lic #4528924
Alisa Yurchenko is an accomplished executive with more than 20 years of experience in client relations, business management, and community leadership across Uzbekistan, Russia, and the United States. Throughout her career, she has built a reputation for professionalism, integrity, and a genuine commitment to helping individuals and families make informed decisions.
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