Review Your Medicare Health Insurance Options

We’ll help you find the right Medicare plan for your needs.

The Medicare Basics & How We Can Help You

Part A - Hospital Insurance

Generally, Medicare Part A helps pay for inpatient care at hospitals, Critical Access Hospitals (limited outpatient and inpatient services to people in rural areas, and Skilled Nursing Facilities. It also helps cover hospice care and some home health care. Most people obtain Part A when they turn age 65 and do not have to pay a monthly payment for Part A because they or their spouse paid into Medicare through Social Security.

Cost: Most people receive Part A automatically when they turn age 65. They do not have to pay a monthly payment for Part A, because they or their spouse paid into Medicare through Social Security for 40 work quarters.

Part D - Prescription Drug Plans

Part D Plans are offered by private companies to provide coverage for prescription drug costs. Part D plans are government regulated and subsidized. Medicare Part D is the federal government's prescription drug program that covers both brand-name and generic prescription drugs at participating pharmacies in your area. Part D is optional and offered to everyone with Medicare by insurance companies approved by Medicare.

Even if you don't take prescriptions drugs now, you may consider getting Medicare drug coverage to avoid paying a late enrollment penalty if you join a plan later.

Part B - Medical Insurance

Part B helps pay for doctors, and medically necessary services or supplies that meet accepted standards of medical practice to diagnose or treat your condition. In addition, Part B covers many preventative services or screenings like the flu shot or cardiovascular or diabetes screening. Part B covers ambulance services, Durable Medical Equipment (DME) or Oxygen Equipment and accessories.

Cost: Some people automatically get Medicare Part B (medical insurance), while others need to sign up for it. If you do not sign up when you are first eligible, you may have to pay a late enrollment penalty.

Medicare Supplement Plans (Medigap)

Medicare Supplement Insurance is an insurance you can buy from a private health insurance company to help pay your share of out-of-pocket costs in Original Medicare (the traditional fee-for-service program that is Parts A & B). Generally, you must have Original Medicare (Part A - Hospital Insurance) and Part B (Medical Insurance) to buy a Medicare Supplement (Medigap) policy.

Medicare Supplement might be good for Medicare-eligible persons who:

Like to choose their own doctors and hospitals
Often travel
Do not want any co-pays (available on select plans)

Part C - Medicare Advantage

Medicare Advantage plans are offered by private insurance companies as an alternative to Original Medicare (Parts A & B). These plans are government-regulated and subsidized, and people with Medicare can get their coverage through Original Medicare (the traditional fee-for-service program that is Parts A & B) or from a private Medicare Advantage plan, otherwise known as Part C. Coverage may include Medicare Part D prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services. Depending on where you live, you may enroll in a Medicare Advantage Plan offering one or more of the following types of health care: HMO, PPO, PFFS.

Medicare Advantage might be good for Medicare-eligible persons who:

Are on a limited budget
Don't mind a network of doctors and hospitals
Don't mind having some co-pays
Would like additional benefits beyond Medicare

Questions about when to enroll?

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We don’t work for any one insurance company.
We are available year-round to consult - at no cost to you.

When it comes to insurance, we understand that making the right choices for you and your family can be daunting.

To help you make the right decision we take a commonsense approach - we ask questions, listen to your answers and only then recommend the type of policies that will fit your particular needs.

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What People Are Saying

“If you don't want to face the [Medicare] Goliaths of this industry alone, I have two words for you: Arielle Chu.”

Her strengths, as I know them: genuine caring and listening, focused knowledge of the products, and active participation. And, best of all, she's trustworthy. I've been with Arielle a year now. The two words I use to describe her addition to my life: extremely happy!

— Lynn T., Napa, CA ⭐️⭐️⭐️⭐️⭐️

“Arielle is very knowledgeable and totally professional. ”

Medicare is ridiculously complicated and she guided me through the issues and provided me with all the information I required to make a decision. It was clear to me that she was looking out for my best interests, and that was confirmed when we settled on coverage that was right for me but did not pay her a commission. I needed help getting through the Medicare maze, and it was great having Arielle to guide me.

— Jerome F., Berkeley, CA ⭐️⭐️⭐️⭐️⭐️