Both Leanne and Lacey specialize in Medicare plan benefits.

Lacey is also able to advise on your property and casualty needs. Home, auto, business, commercial, farm and ranch, etc.

Original Medicare includes two parts: 

Part A (Hospital Insurance)

 and 

Part B (Medical Insurance)

Original Medicare covers most, but not all of the costs for approved health care services and supplies. After you meet your deductible, you pay your share of costs for services and supplies as you get them. There’s no limit on what you’ll pay out-of-pocket in a year unless you have other coverage (like Medigap, Medicaid, employer, retiree, or union coverage). Get details on cost saving programs.

Services covered by Medicare must be medically necessary.  Medicare also covers many preventive services, like shots and screenings. If you go to a doctor or other health care provider that accepts the Medicare-approved amount your share of costs may be less. If you get a service that Medicare doesn’t cover, you pay the full cost.

https://www.medicare.gov/basics/get-started-with-medicare/medicare-basics/how-does-medicare-work

Medicare is broken into ‘parts’.

Part A- helps cover inpatient care in hospitals, skilled nursing facility care, hospice care, and home health care.

Part B- Helps cover:

• Services from doctors and other health care providers

• Outpatient care

• Home health care

• Durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment)

• Many preventive services (like screenings, shots or vaccines, and yearly “Wellness” visits)

Part C- Also known as Medicare Advantage. Medicare Advantage offers an alternative to Original Medicare for your health and drug needs. You get benefits through a private health plan that Medicare approved. These “bundled” plans include Part A, Part B, and usually Part D.

• You may need to use doctors in the plan’s network and get approval for certain drugs or services before you get them.

• Usually have different out-of-pocket costs than Original Medicare, including a limit on out-of-pocket costs (so you don’t need to buy supplemental coverage like Medigap).

• Most plans offer extra benefits that Original Medicare doesn’t cover— like vision, hearing, dental, and more. 

Part D- Helps cover the cost of prescription drugs (including many recommended shots or vaccines). You join a Medicare drug plan in addition to Original Medicare or you get it by joining a Medicare Advantage Plan with drug coverage. Plans that offer Medicare drug coverage are run by private insurance companies that follow rules set by Medicare.

Medicare Supplemental (Medigap)- Extra insurance you can buy from a private company that helps pay your share of costs in Original Medicare. Policies are standardized, and in most states named by letters, like Plan G or Plan K. The benefits in each lettered plan are the same, no matter which insurance company sells it.

https://www.medicare.gov/basics/get-started-with-medicare/medicare-basics/parts-of-medicare

Medicare is federal health insurance for anyone age 65 and older, and some people under 65 with certain disabilities or conditions. Medicaid is a joint federal and state program that provides health coverage for certain low-income people, families and children, pregnant women, the elderly, and people with disabilities. In some states, Medicaid also helps cover medical costs for other adults. Medicaid offers benefits, like nursing facility services, home health services, and assistance paying for Medicare premiums and other costs.

If you qualify, you can have both Medicare and Medicaid. Learn more about Medicaid.

Your first chance to sign up (Initial Enrollment Period)- Generally, when you turn 65. This is called your Initial Enrollment Period. It lasts for 7 months, starting 3 months before you turn 65, and ending 3 months after the month you turn 65.

Annual Enrollment Period (AEP)- The Medicare Annual Enrollment Period runs from October 15 to December 7 every year. During this window, current beneficiaries can review, switch, or drop their Medicare Advantage or Part D prescription drug plans. All changes take effect on January 1.

Open Enrollment Period (OEP)- The Medicare Advantage Open Enrollment Period (MA OEP) runs from January 1 to March 31 each year. It is exclusively for people already enrolled in a Medicare Advantage plan to make a single, one-time change, such as switching to a different Advantage plan or returning to Original Medicare.

Special Enrollment Period (SEP)- A Medicare Special Enrollment Period is a designated timeframe outside standard windows when you can sign up for or change Medicare coverage. It is triggered by specific life events like moving, losing job-based insurance, or qualifying for Extra Help. You can review your personal options on the Official Medicare Website.

Medicare can be confusing. That’s what we are here for! You don’t have to travel the Medicare maze alone- Call us, your local, trusted agents.

We can:

• Compare plans and coverage. We strive to find the best fit for YOUR needs. No two people are alike, and we are here to help you find the plan that is cohesive with your lifestyle and needs.

• Look up your prescriptions

  • How much they will cost

  • What pharmacies are covered

• Check your doctors and networks- being born and raised in Southern Colorado, we know the network. We know the doctors.

• Assist with customer service questions and issues- We have the answers. If we don’t, we help you to find them, or get the help you need when it comes to your health insurance plan.

• Trusted service, year after year- We have been serving the Medicare population in Southern Colorado for a combined 25+ years. We are here for the long haul, and here to be with you every step of the way.