When should I enroll in Medicare?

Your Initial Enrollment Period generally begins 3 months before you turn 65, includes your birthday month, and continues for 3 months after your birthday month. If you are still working and covered by qualifying group health coverage based on current employment, you may qualify for a Special Enrollment Period. Your enrollment timing depends on your circumstances.

What's the difference between Medicare Advantage and Medicare Supplement?

Medicare Advantage (Part C) is an alternative way to receive Medicare benefits through a private Medicare-approved plan and may include prescription drug coverage and additional benefits. Medicare Supplement insurance, also called Medigap, works with Original Medicare to help pay certain Medicare cost-sharing expenses. The two types of coverage work differently and may fit different healthcare and financial needs.

Do I have to pay for Kidwell Insurance Services?

There is no direct fee to clients for our insurance guidance and enrollment assistance. Insurance carriers generally compensate licensed agents when a client enrolls in a plan they represent. Carrier compensation does not increase the plan's premium.

Can I switch Medicare plans?

Depending on your circumstances, you may be able to change Medicare coverage during certain enrollment periods. The Medicare Annual Election Period generally runs from October 15 through December 7 each year. Medicare Advantage enrollees may also have certain opportunities to make changes during the Medicare Advantage Open Enrollment Period from January 1 through March 31. Other Special Enrollment Periods may apply.

What if my doctors are not in the plan's network?

Before enrolling in a Medicare Advantage plan, it is important to verify that your doctors, hospitals, and other healthcare providers participate in the specific plan's network. Network rules vary by plan. Medicare Supplement insurance works with Original Medicare, which generally allows you to see any doctor or hospital that accepts Medicare, subject to Medicare's rules.

Understanding Medicare Supplement Insurance Options

Compare Medicare Supplement (Medigap) plans that help cover out-of-pocket costs not paid by Original Medicare.

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What Is Medicare Supplement Insurance?

Medicare Supplement Insurance — also called Medigap — helps pay for healthcare costs that Original Medicare doesn’t fully cover, including copays, coinsurance, and deductibles.

These plans work alongside:

Medicare Part A
Medicare Part B

Plans can help provide predictable healthcare costs and broader provider access nationwide.

What Does Medicare Supplement Insurance Cover?

Depending on the plan selected, coverage may include:

Medicare Part A coinsurance
Medicare Part B coinsurance
Hospital costs
Skilled nursing facility coinsurance
Emergency foreign travel coverage
Blood transfusions
Hospice care coinsurance

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Why Many Seniors Choose Medicare Supplement Plans?

Freedom to see any doctor accepting Medicare
No network restrictions
Predictable medical expenses
Nationwide coverage
Flexible provider access while traveling

Medicare Supplement Plan Options

Common plans include: Plan G, Plan N, High Deductible Plan G

Which Plan Is Right for You?

The right plan depends on:

Budget
Frequency of doctor visits
Travel habits
Prescription needs
Preferred healthcare providers

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Medicare Supplement Prescription Drug Coverage

Many Medicare Supplement plans will require Medicare Part D Prescription Drug Plans.

Prescription Drug Reviews

We help clients:

Review medication formularies
Compare pharmacy networks
Estimate prescription costs
Evaluate total healthcare expenses

Learn About Part D Prescriptions

Medicare Supplement vs Medicare Advantage

Medicare Supplement

Works with Original Medicare

No provider networks

Predictable out-of-pocket costs

Nationwide provider flexibility

Medicare Advantage

Alternative to Original Medicare

Often includes networks

Lower monthly premiums

May include additional benefits

Local Medicare Supplemental Support

We help individuals and retirees compare Medicare Supplement plans throughout San Jose, Morgan Hill, Monterey, and surrounding Bay Area communities.

Speak with a licensed Medicare insurance agent to review your options and find coverage that fits your healthcare needs and budget.

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