Medicare Enrollment Will Start October 15, 2019
Check back frequently for updates.
Eligible For Medicare? Learn What Your CHOICES are!
Medicare Part D
Recovery Care InsuranceAfter unexpected illness or injury, you want to recover, go home and not break the bank. Recovery Care Insurance can help.
Hospital IndemnityAugment 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 CareLong-term care encompasses a wide array of services that fall under two general categories – skilled care and personal care.
Final ExpenseFinal expense insurance is designed to help protect your loved ones from the financial burden of funeral costs related to your passing.
Dental InsuranceStand alone dental plans that cover a variety of diagnostic, preventative care and corrective services.
Vision InsuranceStand alone vision plans that cover regular eye exams, glasses and more.
Life InsuranceProtect 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 InsuranceShort term care usually means a policy in effect for up to one year.
“As a Medicare recipient, I speak the language of seniors and I understand their concerns. I help them with HARD DECISIONS.”
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.
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.
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.