Medicare, Made Understandable
Medicare insurance in Peoria, IL, can feel confusing, but it doesn’t have to be.
At StAK Insurance Solutions, we help Central Illinois residents understand Medicare in plain English, compare all available options, and enroll in the plan that best fits their health and budget.
Our goal is to make Medicare clear and stress-free, so you can focus on enjoying retirement.
That’s where StAK Insurance Solutions comes in. We help Central Illinois residents understand Medicare in plain English, compare all available options, and enroll in the plan that makes the most sense for their health and budget — with no pressure or sales tactics. We believe that making Medicare clear is one of the most valuable services we can offer.
Why getting Medicare insurance in Peoria matters
Medicare isn’t one-size-fits-all. Choosing the wrong plan can cost you money, limit your doctor choices, or leave you without coverage for prescriptions. Our guidance helps you:
Avoid Penalties Enroll on time to skip lifelong late fees. PROTECT YOUR BUDGET
Control Costs Choose plans with premiums and out-of-pocket costs that fit your budget. PROTECT YOUR FAMILY
Stay with Your Doctors Confirm your providers are covered before you switch. PROTECT YOURSELF
Protect Prescriptions Match your medications with the right Part D plan. Protect YOUR WALLET
Reduce Stress Know you have ongoing support if rules or plans change.
Think of Medicare as the foundation of your healthcare in retirement — it determines how much freedom you have to choose providers, what you pay at the pharmacy, and even whether you get stuck with surprise bills. Working with a local agent means you won’t face these decisions alone.
A Quick Primer on Medicare Parts
Many people approach Medicare not knowing which parts they need. Here’s the breakdown:
- Part A: Covers hospital stays and skilled nursing. Usually premium-free if you worked 10+ years.
- Part B: Covers outpatient care, doctor visits, and preventive services. Has a monthly premium.
- Part C (Medicare Advantage): A private plan that bundles A + B (and often D) into one network-based plan.
- Part D: Standalone prescription drug coverage plan.
- Medigap: Medigap covers what Medicare doesn’t.
Our job is to help you build a plan combination that’s cost-effective and comprehensive — without overpaying for coverage you don’t need.
Types of Medicare Coverage We Help With
Medigap (Medicare Supplement) Plans
Medigap helps pay the costs Original Medicare leaves behind — copays, coinsurance, and deductibles.
- Plan G: Comprehensive coverage for predictable costs.
- Plan N: Lower premiums with small copays for office and ER visits.
- High-Deductible Plan G: Affordable premium with higher upfront deductible — great for healthy retirees.
We not only compare premiums but also look at rate stability, carrier financial strength, and customer satisfaction. This means you get a plan that won’t surprise you with huge increases a few years in.
Medicare Advantage (Part C) Plans
Medicare Advantage (MA) plans combine hospital, medical, and often prescription coverage in one plan. Some even include dental, vision, and wellness perks.
We help you:
- Confirm your doctors and hospitals are in-network
- Understand how referrals and authorizations work
- Compare costs between MA plans and Medigap + Part D combos
- Choose plans that include extras like dental, hearing, or fitness benefits
Real-world example: Many retirees split time between Illinois and Florida. We make sure your coverage travels with you so you’re not left paying out of pocket while away from home.
Part D Prescription Drug Plans
Prescriptions are one of the most common pain points for retirees. Each Part D plan has its own formulary and costs. We:
- Review your current medications
- Compare plans to minimize your total drug spend
- Help you change plans annually if your medications or costs change
We run your drug list through multiple carriers’ systems to find the lowest total cost — not just the lowest premium.
Medicare & Part A & B
At StAK insurance Solutions we help people get signed up with A & B. We walk individuals through their SSA.gov account and how to sign themselves up.
Our Process
We make Medicare simple and stress-free:
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1
Discovery Call: Learn about your doctors, prescriptions, and goals.
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2
Plan Comparisons: We prepare clear, side-by-side comparisons with premiums, deductibles, and networks.
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3
Guided Enrollment: We walk through enrollment step by step.
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4
Annual Reviews: We meet each year to keep your coverage aligned with your needs.
Many clients tell us they feel relief after working with us — because for the first time, they know exactly what they’re buying and what it will cost.
Why Work With StAK Insurance Solutions
- Independent & Local: We compare carriers to find what fits, not what pays us most.
- Plain-English Explanations: We translate Medicare jargon into simple terms.
- Family-Owned Agency: We work with you personally.
- Veteran & Educator Leadership: Integrity and education are part of everything we do.
- Year-Round Help: We don’t disappear after you enroll — we stay in touch.
Working with a national call center might get you enrolled, but you won’t have a real person reviewing your plan each year or helping you if something changes. With StAK, you have a trusted partner who understands Central Illinois providers and can respond quickly when you need help.
Take the confusion out of Medicare.
We’ll help you compare plans, avoid mistakes, and feel confident about your coverage, at no cost to you.
Even if you’ve already enrolled on your own, we offer annual plan reviews to make sure you’re not overpaying or missing better benefits.
Call Now: (309) 453-6546
Start Your Free Medicare Review
Medicare FAQ's
Your Initial Enrollment Period begins three months before your 65th birthday and ends three months after. Missing it can lead to penalties that last for life.
Medigap works with Original Medicare, letting you see any doctor nationwide. Medicare Advantage is a network-based plan that bundles hospital, medical, and drug coverage. We compare both side by side.
Yes - skipping Part D can lead to a permanent late enrollment penalty. Even a low-cost plan can save you money later.
Yes, during Annual Enrollment (Oct 15 – Dec 7) you can switch Advantage or Part D plans. Medigap switching rules vary, but we can guide you through them.