(208) 882-4414 Moscow, ID

Medicare Insurance in Latah County, Moscow, ID.

Medicare Insurance – Comprehensive Coverage for Your Health Needs

Navigating Medicare can feel overwhelming, but it doesn’t have to be. At Kelly Kimberling Insurance Agency, we help you understand your options and choose the right plan to meet your healthcare needs and budget. Whether you’re new to Medicare or exploring additional coverage, we’re here to simplify the process and provide the support you need.

What is Medicare Insurance?

Medicare is a federal health insurance program for individuals age 65 and older, as well as certain younger individuals with disabilities. It’s divided into different parts to cover specific healthcare services:

  • Medicare Part A: Hospital insurance for inpatient care, skilled nursing, and hospice services.
  • Medicare Part B: Medical insurance for doctor visits, outpatient care, and preventive services.
  • Medicare Part C (Medicare Advantage): Private plans that combine Part A, Part B, and often Part D coverage.
  • Medicare Part D: Prescription drug coverage to help reduce medication costs.

Medicare Insurance Plans We Offer

Original Medicare

Part A and Part B coverage for hospital stays, doctor visits, and outpatient care.

Medicare Advantage (Part C)

All-in-one plans that combine hospital, medical, and often prescription drug coverage.

Medicare Part D

Prescription drug plans to help reduce your out-of-pocket medication costs.

Who Needs Medicare Insurance?

Medicare is available for individuals who meet the following criteria:

  • Age 65 or older
  • Individuals under 65 with certain disabilities
  • People with End-Stage Renal Disease (ESRD) or ALS (Lou Gehrig’s Disease)

Why Choose Kelly Kimberling Insurance Agency?

  • Expert Guidance: We simplify Medicare by helping you compare plans and find the right coverage.
  • Multiple Options: Choose from Original Medicare, Medicare Advantage, and prescription drug plans.
  • Personalized Solutions: Tailored coverage to fit your health needs and financial goals.
  • Trusted Support: Our experienced agents are here to answer your questions and guide you through enrollment.

Frequently Asked Questions

Q: What is the difference between Original Medicare and Medicare Advantage?

A: Original Medicare includes Part A and Part B, while Medicare Advantage (Part C) combines those coverages and often adds prescription drug benefits.

Q: When can I enroll in Medicare?

A: You can enroll during your Initial Enrollment Period (IEP), which starts three months before your 65th birthday and lasts for seven months. Special Enrollment Periods (SEPs) may also apply.

Q: Do I need Medicare Part D if I don’t take prescription drugs?

A: While it’s not mandatory, enrolling in Part D can protect you from higher costs later if you need medications in the future.

Start Your Medicare Journey Today

Understanding Medicare doesn’t have to be complicated. At Kelly Kimberling Insurance Agency, we’re here to guide you every step of the way. Call us at 208-882-4414 or request a free quote online to explore your Medicare options and secure the coverage you need.

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