The Winters Insurance Agency, LLC

Are you starting to get a lot of phone calls and things in your mail about Medicare? Contact us today for a no cost consultation. We can educate you on your options.

What does Dual-Eligible mean? To be dual-eligible means to be eligible for both Medicare and Medicaid.

What is Medicare Part D? Medicare Part D is voluntary prescription drug coverage that is available either through a Medicare Advantage plan or through a standalone Part D plan.

Turning 65 soon? Starting to feel overwhelmed by your Medicare choices? Contact us today to request a no obligation consultation.

“How wonderful it is that nobody need wait a single moment before starting to improve the world.” ―Anne Frank

Prior Authorization is the approval that you must get from a Medicare drug plan before you fill your prescription in order for the prescription to be covered by your plan. Your Medicare drug plan may require prior authorization for certain drugs.

Lost in the Medicare plan maze? Let us educate you on your options. Request a no cost consultation today!

When you enroll in an Advantage plan (Medicare Part C), you agree to receive your Medicare benefits through that private plan instead of through Original Medicare.

“Be happy with what you have while working for what you want.” ―Helen Keller

A Medicare Enrollment Period is a specific window that allows you to enroll in Medicare or a Medicare plan.

A Medicare Advantage plan is a private Medicare insurance plan that you may join as an alternative way to get your Part A and Part B benefits. When you do, Medicare pays the plan a fee every month to administer your Part A and B benefits.

Fast Fact: Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services.

For every minute you remain angry, you give up sixty seconds of peace of mind. -Ralph Waldo Emerson

A Living Will is a written legal document, also called a "medical directive" or "advance directive." It shows what type of treatments you want or don’t want in case you can’t speak for yourself, like whether you want life support. Usually, this document only comes into effect if you’re unconscious.

We believe that the better educated you are about Medicare, the easier it will be for you to make the right decisions about your Medicare health insurance choices.

There are four types of Social Security benefits: Retirement benefits, Survivor benefits, Supplemental benefits, and Disability benefits.

Fast Fact: “Minimum and Essential Coverage” is Health coverage that will meet the individual responsibility requirement. Minimum essential coverage generally includes plans, health insurance available through the Marketplace or other individual market policies, Medicare, Medicaid, CHIP, TRICARE, and certain other coverage.

"By being yourself you put something wonderful in the world that was not there before." — Edwin Elliot

COBRA stand for Consolidated Omnibus Budget Reconciliation Act. It's a law that protects you and your family if you lose your employer-sponsored health benefits. If you qualify for COBRA coverage, then you have the option of continuing your employer-sponsored health plan for a limited period of time.

Point of Service (POS) plan is a type of Medicare Advantage HMO plan that allows members the ability to visit doctors and hospitals outside their network for some covered services, usually for a higher copayment or coinsurance. Some POS plans do not require referrals for specialty services.

“Human behavior flows from three main sources: desire, emotion, and knowledge.” -Plato

Medigap Fast Fact: It’s Medicare Supplement Insurance sold by private insurance companies to fill “gaps” in Original Medicare coverage.

Fast Fact: Whether you qualify for Medicaid coverage depends partly on whether your state has expanded its program. Medicaid benefits, and program names, vary somewhat between states.

The Medicare program has four different parts: Part A, B, C, and D. Part C, D, and Medigap plans are sold through private insurance carriers, not the federal government.

In July of 1965, President Lyndon B. Johnson signed a Medicare bill into law so that people 65 and older could get the healthcare coverage they needed from a national program. Initially, the only coverage options were Part A and Part B.

“Smart people learn from everything and everyone, average people from their experiences, stupid people already have all the answers.” —Socrates