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How It Works

Medicare

Medicare & You!

The importance of Medicare and Medicaid boils down to this: these programs provide health insurance for seniors, the disabled and people of low-income. In other words, the programs help people obtain health care when they otherwise may not be able to afford it. Without Medicare, older adults would find themselves in a challenging situation: You need health insurance more than ever because you are aging, but you are retired and no longer have an employer-sponsored insurance plan. Private insurance can be difficult to afford on your own when living off of Social Security and other limited retirement funds.

Our primary goal is to help seniors sort through the maze of Medicare and how it works with Medicare Advantage plans, Medicare Supplement plans, Medicare Prescription Drug Plans and much more. We are here to help those who have crossed the age 65 milestone, as well as those who are approaching it. Planning for that milestone can be a confusing time with the many decisions that have to be made. Add to that all the junk mail and offers that fill your mailbox every day and things can become a bit overwhelming. That's where we can help!

 

 

Get in touch

We at Trinity know that finding the right insurance, can be imperative to your health. That’s why we'd like to help you understand your needs and help you navigate through all of the confusion so you get the right coverage.

In an effort to address the your personal needs, we partner with companies that are financially sound and that share our dedication to quality service and fairness in their business practices including Gerber, Humana, Anthem, Mutual of Omaha, AETNA, & United Healthcare.

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Need More Information?

The Ultimate Medicare Guide

 

 
 

Explore Your Medicare Coverage Options

 

 

Medicare Parts A & B

Around your 65th birthday, you will be automatically enrolled in Medicare Part A. To get Medicare Part B, you must call your local Social Security office and actively enroll. 

 

Medicare Part A

Medicare Part A is also commonly known as hospital benefit coverage because it covers inpatient health care needs. This includes hospital care, skilled nursing facility coverage, and other various inpatient expenses.

Medicare Part B

Medicare Part B coverage covers two general types of services: health care services that are deemed to be “medically necessary,” as well as preventive health care services.

 

 

 
 

 
 
 

 

Medicare Advantage

Medicare Advantage plans are private coverage options that offer all the same benefits as Medicare Parts A & B, plus some plans also offer prescription drug coverage.

 

Are You Eligible?

Once you have Medicare Parts A & B, you typically will be eligible to enroll in a Medicare Advantage plan. We can help you choose a Medicare Advantage plan in your service area.

Types of Medicare Advantage

  • Medicare Health Maintenance Organizations (HMOs)
  • Preferred Provider Organizations (PPO)
  • Private Fee-for-Service Plans (PFFS)
  • Medicare Special Needs Plans (SNP)

 

 

 
 

 
 
 

 

Medicare Supplement

Need help with out-of-pocket costs? Medicare Supplement plans help fill gaps in coverage, like coinsurance and copayments.

 

Medicare Supplement Benefits

  • Preventive care coinsurance from Medicare Part B.
  • Hospital stay coinsurance from Medicare Part A.
  • Copayments or coinsurance for Medicare Part B.
  • Hospice care copayment or coinsurance for Medicare Part A.
  • Donated blood.
  • More additional Medicare Supplement benefits available

Important considerations

As you start shopping for Medicare Supplement plans, there is lots of information to keep in mind.

The Medicare Supplement Open Enrollment Period is generally the 6 months that starts on the first day of the month in which you are at least 65 years old and enrolled in Medicare Part B.

Let us help you get the right coverage for your needs.

 

 

 
 

 
 
 
 

Prescription Drug Coverage

Also called Part D, these plans offer prescription drug coverage. Each plan covers different drugs, so it’s important to review your medication before enrolling. To get Medicare Part D, you must join a plan run by a private insurance company approved by Medicare. Each Prescription Drug plan can vary in cost and drugs covered.

Eligibility

Only individuals who do not already have creditable prescription drug coverage and who do have Medicare Parts A and/or B can get Medicare Part D.

Creditable Prescription Drug Coverage

  • Covered by pension program.
  • Covered by employer.
  • Covered by union.
  • Medicare Advantage.