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2016/10/15 16:23:26

Eligible For Medicare? Learn What Your CHOICES are!

CHOICES Brokerage leads clients through the complex Medicare system, helping them to understand their options and to select the very best coverage based on their needs and budget.   We strive to be our client’s best advocate by working hard to continually educate ourselves and remain up-to-date on every new plan, option and regulation within the ever-changing Medicare system.

Medicare Advantage

Medicare Advantage
When it comes to the type of Medicare insurance that best serves your health care needs, you may find more affordable CHOICES with a Medicare Advantage plan.

Medicare Supplements

Medicare Supplements
Fill in the major gaps of your Medicare insurance with an affordable Medicare Supplment Plan. We can help you shop the market for CHOICES.

Medicare Part D

Medicare Part D
Selecting the wrong prescription drug plan can wind up costing you potentially thousands.  We help you find the plan that saves you the most on your unique prescription needs.

Helping make sure you have the RIGHT PLAN for you and your family!

Supplemental Plans

Protect your health and financial well-being with Supplemental Insurance.
These smart affordable plans help to augment your health insurance and pay for health related services and expenses that regular health insurance typically doesn’t cover.
Recovery Care Insurance

Recovery Care Insurance

After unexpected illness or injury, you want to recover, go home and not break the bank.  Recovery Care Insurance can help.
Hospital Indemnity

Hospital Indemnity

Augment your health insurance with a Hospital Indemnity Plan.  This policy pays a lump sum directly to you, when you are confined to a hospital.
Long Term Care

Long Term Care

Long-term care encompasses a wide array of services that fall under two general categories – skilled care and personal care.
Final Expense

Final Expense

Final expense insurance is designed to help protect your loved ones from the financial burden of funeral costs related to your passing.
Dental Insurance

Dental Insurance

Stand alone dental plans that cover a variety of diagnostic, preventative care and corrective services.
Vision Insurance

Vision Insurance

Stand alone vision plans that cover regular eye exams, glasses and more.
Life Insurance

Life Insurance

Protect the people you love most. Life Insurance helps pay final expenses, your mortgage, taxes, and living expenses of loved ones when they no longer have your income.
Short Term Health Insurance

Short Term Health Insurance

Short term care usually means a policy in effect for up to one year.

More About Us

Your Medicare Muse

Judy Pedgrift

Licensed Health Insurance Agent
Illinois & Indiana

“As a Medicare recipient, I speak the language of seniors and I understand their concerns. I help them with HARD DECISIONS.”

Judy Pedgrift

Producer Code: 939223

Having been an insurance broker since 1980, Judy Pedgrift founded Choices Brokerage in 1995.  Ever since, she has been dedicated to helping individuals and seniors understand the complex health insurance landscape.

Currently, she is focusing almost exclusively on working with Seniors who are eligible or just becoming eligible for Medicare. She is also a Medicare recipient who understands the confusion that many seniors feel when they are aging into Medicare or coming off of group insurance, onto Medicare.

When clients work with Judy, they discover that finding the right Medicare insurance is only the beginning.  She does not believe in making a sale and just leaving her clients wondering every year if there may be better options out there.  Each year Judy helps her clients review new or alternative options that may better fit their needs and circumstances, as options and needs may change from year to year.

Judy prides herself on being accessible to clients, “clients know they can always call me for any issues or concerns related to their Medicare health insurance plans.

Memberships and Affiliations

Judy is very involved in the south suburbs of Chicago.  Following are some of the organizations that Judy belongs to that provide additional resources for her clients.

National Association of Health Underwriters
Professional Women’s Network
PWG-logo
Crete Women’s Club
PWG-logo
Continuity of Care

A network of services such as home health care providers, assisted living providers, long-term care or hospice facilities and more.  Also, as a group we are helping in the fund raiser for Alzheimer’s held every year in Orland Park in October.  

How Does Medicare Work?

Eligibility for Medicare

To sign up for Medicare Parts A, B, and supplemental coverage (known as Supplement, Advantage, or Prescription Drug Plans), most people will have an Initial Enrollment Period which is a 7 month period around the time they turn age 65. This period begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65.

Once  your Initial Enrollment Period is over, if you wish to change or purchase Advantage and Supplement Plans, you must act during the open enrollment period.

MISS THE DEADLINE?  To enroll for Medicare outside of the open enrollment period, you will need a qualifying event to be eligible.

Click on the toggles below to learn more about Medicare.

Medicare Parts A & B

Medicare is the federal health insurance program for people who are 65 or older.  The different parts of Medicare help cover specific services:

Medicare Part A (Hospital Insurance)
Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

Medicare Part B (Medical Insurance)
Part B covers certain doctors’ services, outpatient care, medical supplies, and preventive services.  Most people will pay a standard Part B premium which varies depending on income.

Medicare Part C - Medicare Advantage Plans

Medicare Advantage Plans are offered by private carriers and replace your original Medicare Parts A and B, as they are rolled into one plan.

Much like regular insurance, you can select different plan types, such as a Health Maintenance Organization (HMO), or a Preferred Provider Organization (PPO), or a Medicare Medical Savings Account Plan. Premiums will vary, based on coverage, carrier and geographical location.

Advantage Plans include may include prescription drug coverage, and sometimes offer other supplemental coverage, like dental or vision.

Medicare Part D - Prescription Drug Coverage

Medicare Part D adds prescription drug coverage to Original Medicare and is offered through private insurance companies that are contracted and approved by Medicare – premiums vary between carriers. Medicare Advantage Plans may also offer prescription drug coverage that follows the same rules as Medicare Prescription Drug Plans.

Medicare Supplements (MEDIGAP)

Medicare Supplement Insurance policies are offered through private carriers and work in conjunction to complement your original Medicare Parts A and B.  They cover some, if not all, of the expenses that Part A and B do not cover, like co-pays, deductibles and other excess charges.

There are many different types of Medicare Supplement policies available, yet they are regulated so the benefits for these various policies (known as Plan A through N), are all the same regardless of the carrier.  However, premiums can vary greatly among carriers.

Ultimately, the best supplement plan is one that is purchased from a quality carrier, has a low premium and leaves you with the least or no out of pocket expenses.

Here’s an overview of what Supplement Plans cover.

Medigap Chart

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Informational Medicare Videos

How to Understand Medicare Plans

Learn Abouit Medigap Plans

*Videos provided by Medicare Made Clear.

Guide to Medicare Part A & B

Medicare Part D & Prescription Drug Coverage

Understanding Medicare Advantage Plans

10 Top Medicare Advantage Tops