Medicare Coverage

Coverage You Can Rely On

Understanding Medicare can be overwhelming, but we're here to help.

At StAK Insurance Solutions, we simplify the complexities of Medicare, guiding you through your options to find the plan that best fits your healthcare needs and budget. Whether you're new to Medicare or exploring better coverage, our friendly team is dedicated to providing clear, personalized assistance every step of the way. Your health and peace of mind are our top priorities, and we’ll make sure you understand your benefits so you can feel confident in your coverage.

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Know Your Medicare Options

Explore the different parts of Medicare.

Medicare is designed to cover essential healthcare needs, but not all plans are the same. Understanding the differences between Original Medicare, Medicare Advantage, Part D, and Medigap is key to making an informed decision. We’re here to help you navigate these choices and find a plan that works best for you.

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Hospital stays & care
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Doctor visits & treatment
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Prescription medication costs
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Additional benefits available
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Coverage that fits you

Find the Right Medicare Plan for You

We offer a range of Medicare plans to fit your unique needs.

Choosing the right Medicare plan is about more than just checking a box—it’s about finding coverage that matches your lifestyle, healthcare needs, and budget. At StAK Insurance Solutions, we take the time to explain your options and guide you toward the best plan for you.

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Medicare Advantage

Medicare Advantage (Part C) is a private insurance option that bundles hospital, medical, and often prescription drug coverage into a single plan. Many Medicare Advantage plans also offer additional benefits, such as dental, vision, hearing, and even fitness programs. If you prefer coordinated care through a network of providers and want the convenience of extra services included, Medicare Advantage might be a great fit. We’ll help you explore local plan options and find coverage that meets your health and financial needs.

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Medicare Supplements

Even with Original Medicare, out-of-pocket expenses like deductibles, copayments, and coinsurance can add up. Medigap plans are designed to fill the gaps in your Medicare coverage, reducing or eliminating unexpected medical costs. If you want predictable healthcare expenses, freedom to see any doctor who accepts Medicare, and peace of mind knowing your bills are covered, a Medicare Supplement plan might be the right choice. We’ll help you compare plans and choose one that fits your budget.

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Medicare

Part D

Prescription costs can add up quickly, but Medicare Part D ensures that you have affordable access to the medications you need. Each Part D plan has its own formulary (list of covered drugs), pricing, and pharmacy network, so choosing the right one is essential. We’ll help you compare options to make sure you’re getting the most cost-effective coverage based on your prescriptions and healthcare needs. Even if you’re healthy now, enrolling in Part D can help you avoid future penalties and ensure coverage when you need it.

Your health matters.


Get the right Medicare plan today and feel confident about your coverage.

Have some questions?

  • What is the difference between Medicare Advantage and Original Medicare?

    Original Medicare includes Part A (hospital insurance) and Part B (medical insurance) and is provided by the federal government. Medicare Advantage (Part C) plans are offered by private insurance companies and bundle hospital, medical, and often prescription drug coverage into one plan. Medicare Advantage plans may also offer additional benefits like dental, vision, and hearing coverage. The best choice depends on your budget, preferred doctors, and healthcare needs.

  • When can I enroll in a Medicare plan?

    You can first enroll in Medicare three months before your 65th birthday, during your birthday month, and three months after. If you miss this Initial Enrollment Period, you may still be able to enroll during the Annual Enrollment Period (October 15 – December 7) or during a Special Enrollment Period if you qualify due to a major life event. Choosing the right time to enroll is essential to avoid penalties and ensure continuous coverage.

  • Do I need a separate prescription drug plan?

    If you have Original Medicare, you will need to enroll in a standalone Medicare Part D plan to cover prescription medications. Some Medicare Advantage plans include drug coverage, so a separate Part D plan isn’t needed. It’s important to review your medications, plan formularies, and costs to ensure you get the most affordable and effective prescription coverage for your needs.

  • What is Medigap, and do I need it?

    Medigap (Medicare Supplement Insurance) is designed to cover out-of-pocket costs that Original Medicare doesn’t pay, such as deductibles, copayments, and coinsurance. If you prefer predictable medical expenses and the freedom to see any doctor who accepts Medicare, a Medigap plan may be a good fit. Medigap policies don’t include prescription drug coverage, so you may need to add a Medicare Part D plan separately.

  • How do I choose the right Medicare plan?

    Choosing the right Medicare plan depends on your health, financial situation, and personal preferences. Do you want a wider network of doctors and hospitals or a lower-cost, all-in-one plan? Do you take regular prescriptions that require specific coverage? At StAK Insurance Solutions, we’ll take the time to understand your unique needs and help you select the best plan for your health and budget.