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Independent Medicare Insurance Broker Serving WA State

Does Medicare alphabet soup of Part A, Part B, Part C & Part D have your head spinning? We have helped thousands of folks just like you understand the basics of Medicare.

2021 Medicare Annual Election Period (AEP)

October 15th – December 7th

This is your opportunity to sign up for a plan, switch to a different plan, or leave a plan entirely. Call one of our independent medicare insurance agents today to discuss your options. Our advice is absolutely free.

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Compare Medicare Insurance Plans

Are you new to Medicare?  Not sure what plan to choose at the Annual Open Enrollment?  McGregor Benefits is dedicated to helping you find a supplement, advantage plan, or drug plan that is right for you.

Need our help now? Happy with your health insurance plan, but want to work with our agency? We can help. Simply contact our office for a broker of record letter, which allows us to help you with all your plan questions and concerns all year.

Our service is free.

All you pay for is the premiums, which are the same with or without our help.

Medicare Important Dates

Turning 65 – When you first become eligible for Medicare at 65, you have a 7 month window to enroll in a Part C and or Part D plan. 3 months before your birthday, your birthday month and 3 months after.

October 15th- December 7th: Medicare Open Enrollment Period (OEP). This is one time of year you can make changes to your MedAdvantage and or Part D Prescription Drug plans for a January 1st effective date.

January 1st – February 14th: Annual Disenrollment Period (ADP). During this time you can drop a MedAdvantage to return to Original Medicare. Part D Prescription Drug plans may be purchased if a drug plan was part of the dropped MedAdvantage plan.

Eligible due to disability – When you first become eligible for Medicare due to a disability, you have a 7 month window to enroll in a Part C and or Part D plan. 3 months before your 25th month of disability , your disability month and 3 months after.

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Medicare Services We Help With

Medicare Advantage Plans

MedAdvantage Plans combine your Part A, Part B, Part C & Part D. These are offered by private insurance companies and can have very low premiums.

Medicare Supplement Plans

Medigap plans are lettered plans such as Plan G & Plan F supplement your existing Medicare coverage. They help cover deductibles, co-insurance and more.

Medicare Part D Drug Plans

Prescription Drug Plans can be purchased as a stand product or paired with a Medigap plan. Part D drug plans are offered by private insurance companies to cover prescriptions.

Call a Licensed Independent Medicare Insurance Agents for Free Help Today

Did you know that our service is completely free? That’s right – you don’t pay a penny for our help. We have helped thousands of people in Washington understand how Medicare works and how to get coverage. Call us today to get your questions answered.

McGregor Benefits Independent Medicare Advisors Can Help You…

Assess your health care coverage needs
Determine general eligibility for health care programs
Determine general eligibility for health care programs
Provide enrollment help with Medicare

Shop & Compare Medicare Plans in Washington State

Medicare coverage is not a one-size-fits-all type of coverage. There are several options, some require that you pay a premium, others are free.

Medicare Parts A & B are considered “Original Medicare.”

Shot of a smiling woman and man standing inside a coffee shop looking at something on their touchscreen
Shot of a smiling woman and man standing inside a coffee shop looking at something on their touchscreen

The Different Parts Of Medicare

  • Part A: Hospital Insurance
  • Part B: Medical Insurance
  • Part C: MedAdvantage Plans
  • Part D: Prescription Drug Plans, Medigap, or Supplement Plans

Medicare Part A: Hospital Insurance 

An easy way to remember Part A is to think of it as hospital insurance, because Part A covers

  • Inpatient hospital care
  • Skilled nursing facility care
  • Hospice care
  • Home health care

Part A Premium

If you have Medicare Part A, then you usually do not have to pay a premium. If you or your spouse worked over 40 quarters in their lifetime. 30-39 quarters = $240/month in 2019, and under 30 quarters = $437/month in 2019.

For all the details on Medicare Part A, check out the Office of the Insurance Commissioner Washington State website “What Medicare Part A Covers.”

Medicare Part B: Medical Insurance

Health care specific to medical insurance. Part B covers

  • Services from doctors and health care providers
  • Outpatient hospital care
  • Home health care
  • Durable medical equipment
  • Preventive services

Part B Premium

Unlike Part A, Medicare Part B requires a premium. The standard premium is $135.50, or more if you meet the income threshold, in 2019. Part B costs. Check out “What Medicare Part B Covers” for all of the details.

Medicare Part C: MedAdvantage Plans

Medicare Advantage. Combines Part A & Part B and sometimes Part D, and covers

  • All benefits & services covered under Original Medicare Parts A & B
  • Can include Prescription drug coverage (Part D)
  • Run by private insurance companies that are Medicare approved
  • Extra services & benefits for additional cost

Check out “https://www.insurance.wa.gov/” for all of the details.

Medicare Part D: Prescription Drug Plans

It’s easier to remember this as prescription drug coverage. Part D details:

  • Prescription drug costs
  • Helps pay for both branded and generic drugs.
  • Run by private insurance companies that are Medicare approved
  • Each plan has its own formularies and contracted pharmacies

Check out “https://www.insurance.wa.gov/” for all of the details.

Part D Premium

This is offered by insurance companies approved by Medicare, so premiums vary, but the average premium is $33/month as of 2019.

Medigap

Also known as Medicare Supplement or Modernized Supplement Insurance. Medigap details:

  • Run by private insurance companies that are required to follow federal and state laws
    Medigap insurance companies can only offer you a standardized plan
  • Helps fill in the “gaps” or healthcare costs of what original medicare does not cover like deductibles, copays and coinsurance.

Check out “https://www.insurance.wa.gov/” for all of the details.

Medigap Premium

Higher premiums = $44 to $353/month; Lower premiums = $0 to $273/month. See “https://www.insurance.wa.gov/

Ask us about Medigap/Medicare Supplement.

For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov

Medicare FAQs

Medicare Eligibility & Requirements – Who Qualifies For Medicare?

People aged 65 years and older who have been legal residents of the U.S. for at least 5 years, and younger people who are approved for SSDI (Social Security Disability Insurance) Recipients of SSDI are typically eligible to receive their Medicare benefits 2 years after the date they are entitled to the benefits. People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD) also qualify for Medicare.

If you have questions about your eligibility, or want someone to walk you through the process, contact us here.

What Is Medicare?

Medicare is a federal health insurance program run by the Centers for Medicare and Medicaid (CMS).It mainly provides health insurance for people who are at least 65 years old. However it also covers some younger people with a qualifying disabilities or illnesses.

What Is Medicaid?

With Medicare, eligibility is not income based. The major difference between Medicare and Medicaid is financial. Medicaid is the state’s solution to providing health coverage for people with low income.

People who are approved for SSI (Supplemental Security Income) will qualify for Medicaid.

Can You Get Both Medicare & Medicaid?

Medicaid is a joint federal state program that provides health coverage to people with limited incomes. Some people are Dual Eligible and qualify for both Medicare and Medicaid. To see if you qualify check with your local Medicaid office. You can also see the income requirments here https://www.medicaid.gov/medicaid/eligibility/medicaid-enrollees/index.html

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