Medicare Made Simple

Helping you put together your Medicare puzzle.

Over the years, we’ve assisted thousands of people with their Medicare planning, from advice surrounding when and how to apply for Medicare, to helping select the right plan based on their specific needs.

Medicare Part A (Hospital Insurance)

In general, think of this like ‘room and board’ when you’re in the hospital. This is an entitlement benefit, meaning most people are entitled to their Part A at age 65 because they have paid into Social Security and Medicare as part of their income taxes every year and therefore are entitled to Part A premium-free. The deductibles, coinsurance, and out-of-pocket costs within Part A can quickly add up.

Medicare Part B (Medical Insurance)

Most people associate Medicare coverage with Part B because this is the major medical, or ‘doctoring,’ part. This includes services such as doctor visits, labs, x-rays, CT’s, surgeon fees, physical therapy, and everything in between. In 2025, most people will pay a monthly premium of $185.00 for Part B. Higher income earners will pay more due to an Income-Related Monthly Adjustment Amount, or IRMAA. The Part B premium deducts automatically out of a beneficiary’s Social Security income, or if the SSI is deferred, the Social Security Administration will mail a bill (usually quarterly). This premium gives the Medicare beneficiary 80/20 major medical coverage: Medicare pays 80% of major medical costs, leaving the Medicare beneficiary responsible for the other 20%, with no maximum out of pocket.  Also, Part B's deductible in 2025 is $257 for the calendar year.

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States We Insure

Although we're proudly based in Michigan, we’re licensed in over 30 states and able to help individuals across the U.S. who need one-on-one Medicare support.