Medicare is an important part of protecting your health as you get older, but choosing the right coverage is not always straightforward. With multiple plan options and enrollment rules to navigate, it helps to work with an experienced local agency you can trust.
At The Elmwood Agency, we help individuals and families understand their Medicare options and select coverage that fits their healthcare needs and budget. We proudly serve clients throughout Western New York, including Rochester and Buffalo.
Before scheduling a consultation, you’ll need to complete a short survey and scope of appointment form.
Understanding Medicare Coverage
Medicare is a federal health insurance program primarily for individuals age 65 and older, as well as certain younger individuals with qualifying disabilities. Medicare is divided into several parts, each designed to cover different healthcare needs.
Original Medicare includes:
- Medicare Part A, which helps cover hospital stays and inpatient care
- Medicare Part B, which helps cover doctor visits, outpatient services, and preventive care
While Original Medicare provides essential coverage, it does not cover everything. Many people choose to add additional coverage through private insurance plans to help manage out of pocket costs and expand benefits.
How Insurance Fits into Medicare
Private insurance plays a major role in Medicare coverage. Insurance agencies like The Elmwood Agency help clients compare and enroll in Medicare plans offered by private carriers.
These options may include:
- Medicare Advantage Plans (Part C) that combine hospital and medical coverage and often include prescription drugs, dental, vision, and hearing benefits
- Medicare Prescription Drug Plans (Part D) to help cover medication costs
- Medicare Supplement Insurance (Medigap) to help pay for deductibles, copayments, and coinsurance not covered by Original Medicare
Our agents take the time to explain how these plans work so you can feel confident in your decisions.
Medicare Services from The Elmwood Agency
At The Elmwood Agency, we believe Medicare planning should be clear and stress free. Our licensed agents provide personalized guidance based on your healthcare needs, preferences, and budget.
We can help with:
- One on one Medicare consultations
- Education on Medicare Parts A, B, C, and D
- Comparing plans from a wide network of carriers
- Enrollment assistance and plan changes
- Ongoing support as your needs change
We’re here to make sure you understand your options, not just sign paperwork.
Medicare Insurance Help for New and Existing Enrollees
Our Medicare services are designed for:
- Individuals approaching age 65
- Those enrolling in Medicare for the first time
- Clients reviewing coverage during Annual Enrollment
- Individuals looking to reduce out of pocket costs
- Anyone who wants personal guidance instead of online guesswork
No matter where you are in the process, our team is ready to help.
Contact Elmwood Agency Today
Choosing Medicare coverage can feel overwhelming, but it doesn’t have to be. The Elmwood Agency is committed to making the process simple and easy to understand.
You can reach The Elmwood Agency by phone during regular business hours by calling 585-548-4500 or 716-206-3706. You can also contact us anytime through our website’s secure contact page to schedule a Medicare consultation.
