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Understanding Your Medicare Plan Options

Whether you are about to achieve the age of 65 or have already celebrated this milestone birthday – you made the right choice turning to The Insurance Hub.  Medicare can be confusing, but it doesn’t have to be. 

For those about to turn 65, we’ll help you navigate what you need to know to take full advantage of your entitled benefits and how to avoid making costly mistakes.

If you are already 65 or older, we will help you know if you are in the most cost-effective plan.  A plan that allows you to see the doctors you like, go to the hospitals you trust, and afford the prescriptions you need.

The Alphabet Soup of Medicare

Whether you take traditional Part A & B or an Advantage Plan (also known as Plan C) is a very personal decision. The Insurance Hub agents will ask the critical questions to ensure that you can go to the hospitals you want and see the doctors you trust. We’ll guide you through the Part D Prescription Drug Plan process.  Part D plans change every year, so we’ll make sure you start in the best plan, and we’ll analyze it every year to keep you in the most-cost efficient plan based on your current prescriptions.

What! There are Plans A, B, C, D, F, G, K, L, M, N?!

Yes, Plans not to be confused with Parts A, B, C, & D.  These are Medigap Plans and are also called Supplemental Plans.  Wading through these plans can be intimidating. We’ve helped thousands get safely to the shore and we can help you too.  Learn about our “Turning 65” Educational Workshops!



Medicare is one of the best health insurance plans available and you are almost eligible. It’s right around the corner, before you celebrate, make sure you know what you must to make the right decisions. Your situation is unique, and your Medicare plan better be too

Chances are you have:

  • stacks of paperwork
  • annoying telephone calls
  • seen way too many television commercials touting free stuff

Don’t make this common mistake.

When a friend, neighbor, or family member tells you that they are happy with their Medicare plan, DO NOT ASSUME that their plan is best for you. You go to different doctors, like different hospitals, and take different prescription drugs. Afterall, some of the decisions you make now will affect the rest of your life. 

Get Empowered.

Get informative, simple answers to your unrelenting questions. The Insurance Hub will help you cut through the Medicare piles and help you make your best decisions at this important time.  Email or visit our events page.



What keeps you up at night?

  • Do you worry that you are paying too much for your prescriptions?
  • Are you frustrated by the lack of hospital and physician options?
  • Do you fear you are paying too much for your out-of-pocket expenses?

You don’t have to go it alone.

Sometimes, it can feel like your Medicare benefit is super complicated. Let our local, knowledgeable licensed agents help you cut through the clutter by answering your un-answered question. Free up time to spend time with the people and activities you love. Whether you’re considering Traditional Medicare A & B, Supplemental Plans (Medigap), Advantage plans (Part C), and/or Part D Prescription Drug Plans, you don’t have to figure it out on your own. 

Navigating Medicare can be difficult. We can help!


We put the care in Medicare



If you’re 65 or older or are younger with a disability and a U.S. citizen or permanent legal resident for the past five years, you qualify for this government health care program. Individuals receiving Social Security benefits are automatically enrolled in Medicare Part A, covering hospital costs, and Part B which covers visits to the doctor. This can help offset medical expenses, but every plan has additional costs.

Medicare has many benefits, including coverage for emergencies, preventative care, prescriptions, dental care, eye exams and more. One of the most important things to know is that Medicare does not cover everything. Additionally, the cost of your premiums depends on your income. Thankfully, these premiums are tax-deductible which can assist, especially if you have a nice nest egg.


It’s important to understand the difference between Medicare and medical health insurance. With The Insurance Hub you’ll quickly get education on the Medicare process, an explanation about Part A, Part B, Part C Advantage plans, and Part D Prescription Drug Plans to help decipher your needs and whether you have the right coverage. Walking you through the process of Medicare Plans, Supplement policies, Advantage Plans, and Prescription Drug Plans helps you make informed decisions to give you the control and portability you deserve. Make sure your medical future is properly planned with one of our associates. Place yourself in a position to save more where you can. Our team makes your planning easier.


It is dangerous to assume that the plan your neighbor is on will be the best for you too 

Our experienced agents will guide you through the process of choosing the best insurance option for you including Medicare, supplemental insurance, and drug prescription plan.

And the best part? The Insurance Hub consultations are always free.  Not a penny out of your pocket. We are compensated by the insurance companies. 

Want help simplifying the decision-making process? 

What Our Clients Say…

“I don’t know what I’d do without Cesar. He put me in the perfect Healthcare Plan with my favorite doctors and prescriptions that cost me hardly anything or nothing.”
Margie – The Insurance Hub Client


A: Yes, IF you are receiving benefits, the Social Security Administration will automatically sign you up at age 65 for parts A and B of Medicare. Social Security will send you sign-up instructions at the beginning of your initial enrollment period which is three months before the month of your 65th birthday. If you are not receiving Social Security, you will not be signed up automatically. You’ll have to enroll yourself, either online at, by contacting Social Security, or by reaching out to The Insurance Hub for help with your application.

A: No, although Part A is usually free if you’ve worked in this country for a minimum of 10 years, there is a cost for Plan B which includes monthly premiums and an annual deductible. Medicare only covers 80% of the cost.  Advantage Plans and Medicare Supplemental (Medigap) Plans will help cover the other 20%. Contact The Insurance Hub to learn more bout Part A, Part B, Part D (Prescription Drug Plans), Supplemental (Medigap) Plans, and Advantage Plans.

A: It depends, Medicare Advantage plans offer an alternative to Original Medicare and it can work well for the needs of some people. But every person has a unique situation and Medicare Advantage Plans can be a dangerous decision in some cases. This is because Advantage plans often don’t provide the flexibility of Medicare supplements.  In most cases, you can’t choose any doctor or hospital, and in the case of serious illness, significant out-of-pocket expenses can result. Your The Insurance Hub’s licensed agent will help you learn if a Medicare Advantage plan is a good choice for you.

A: While the term “donut hole” might sound sweet, this gap in Medicare prescription drug coverage is definitely not! Each year, your plan may temporarily reach its limit on the amount it will cover for your prescription drugs. When this happens, you may find that you have to pay more for your medications. The licensed agents at The Insurance Hub can help you better understand the Donut Hole and how it can directly impact your cost for prescriptions. 

A: Plans should not be confused with Parts A, B, C, & D.  There are also Medigap Plans (also called Supplemental Plans) which can be purchased as an alternative to Part C Advantage Plans.  Wading through these Plans (confusingly named: A, B, C, D, F, G, K, L, M, N) can be intimidating. The licensed agents at The Insurance Hub can help you navigate the decision-making process, just as we’ve helped so many others.




Generally, Medicare is available for people 65 or older. It has four parts: Part A, Part B, Part C, and Part D.


Includes Part A and Part B.


Part A is hospital insurance. It has a deductible and copay. It may have a premium.

Part B covers outpatient coverage for various medical services and doctor appointments. It has a deductible, premium, and coinsurance.


Medicare Supplement insurance can cover copayments, coinsurance and deductibles that are not covered by Part A or Part B.


Also known as Part C.


Part C plans cover all of the services included in Original Medicare, have a cap on the annual out-of-pocket costs and include Part D at no additional cost.

Medicare Advantage plans are administered by private insurers. They feature co-pays, low or no monthly premiums, and additional benefits.

They do, however, limit access to all doctors and hospitals who take Medicare. Talk to a professional before making a decision.


is prescription drug coverage.


Talk with a licensed health insurance agent at The Insurance Hub to help you make an informed decision.

Contact The Insurance Hub:


Schedule Your FREE Consultation

With Agency Owner and Licensed Broker, Cesar Chacon


We put the care in Medicare


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