At Tom Martfeld and Associates, we understand that Medicare can be a maze of options and choices, especially for seniors seeking comprehensive healthcare coverage. With nearly 50 years of experience, we specialize in simplifying the complexities of Medicare, ensuring you have the right plan to meet your unique needs. Our expert team is here to guide you through every step of the Medicare journey.
Medicare Insurance
Medicare is the government-sponsored health insurance program for people age 65 and over, or for those who are unable to work due to a disability and have been receiving Social Security Disability benefits for a period of at least two years.
Medicare is not designed to pay all of your medical expenses. Without some type of supplemental coverage, a Medicare beneficiary could pay substantial out-of-pocket costs for health-related expenses.
The Medicare Modernization Act of 2003 created two new Medicare programs. Effective on January 1, 2006, Medicare began offering Prescription Drug Coverage (Part D) as well as Medicare Advantage plans. Medicare Rx coverage and Advantage plans are offered to Medicare beneficiaries through private insurance companies. We offer many of the most popular plans from companies such as Arkansas Blue Cross Blue Shield, Humana, Cigna, and others. Medicare Advantage Plans offer Medicare coverage with low or zero premiums. You do pay your Medicare Part B premium, which is withheld from your Social Security benefit each month.
Medicare Supplement plans pay your Medicare deductibles and coinsurance amounts. If you choose a Medicare Supplement Plan you will be covered for 100% of all Medicare eligible medical expenses. We offer Medicare Supplement plans from the America’s leading insurance companies.
Our Services
- Understanding Medicare
- Enrollment
- Plan Navigation
- Rx Planning
- Supplemental/Medigap Services
- Low Cost Medical
