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Collective:Choice is here to help you make a confident decision about your Medicare Supplement Insurance or Advantage decision.
Understand your Medicare options, clearly.
Call our licensed insurance agents for a consultation
By completing the form above, I understand that a licensed agent may call or email me to discuss Medicare insurance and/or individual health insurance plans. This is a solicitation for insurance.
How Medicare Works
Medicare is made up of several parts that you can choose from to fit your needs. Here’s an overview of how each of these parts work together.
Original Medicare
Once you turn 65 , you’re eligible for Original Medicare—Part A and Part B.
Most people get premium-free Part A for free which covers essential hospital services—and buy Part B to cover essential doctor services.
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You’re eligible to enroll 3 months before your 65th birthday. If you have certain disabilities, you may qualify earlier.
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Part A is premium-free if you (or your spouse) have paid Medicare taxes for 10+ years.
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* The standard monthly premium for Medicare Part B will be $174.70 for 2024
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Part A
Hospital & inpatient
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Hospital-related coverage
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Emergency care
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Skilled nursing
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Home health services
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Hospice
Part B*
Doctors and Medical
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Doctor’s office visits
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Laboratory services
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Medical equipment
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Mental health services
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Outpatient and ambulatory services
Additional coverage
Parts A and B only cover the essentials, and charge significant out-of-pocket costs, so many people use additional plans to reduce these costs or to increase coverage.
One way to do this is by using either a Medicare Supplement Insurance or Advantage plan.
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3 Out-of-pocket costs = deductibles, co-pays, and co-insurance.
Prescription Drug Coverage
You can get coverage for prescription drugs in two different ways:
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Choose one of the many Advantage plans that include drug coverage at no additional cost.
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If you have a Medicare Supplement Insurance Policy, add drug coverage with Part D.
Part D
You can add on Part D in these combinations of plans:
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Part A + Part D
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Part B + Part D
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Part A + Part B + Part D
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Part A + Part B + Supplement + Part D
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An Advantage plan that includes Part D
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Phone Consultation
Our licensed insurance agents can answer all of your Medicare questions.
We’ll help you understand:
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Medicare enrollment and eligibility
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Medicare costs
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Financial assistance
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Plus more
Medicare Supplement Insurance Enrollment Assistance
We can also help you enroll in a Medicare Supplement Insurance plan, giving you more flexibility and control over your health insurance.
Benefits of Supplement Coverage
Choose who you see
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Doctors, hospitals, and specialists
Control your costs
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Low or no out-of-pocket expenses
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10 plan types with various levels of coverage & costs
Go anywhere
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Stay covered while you travel
Ready to speak with one of our licensed insurance agents?
Call our licensed insurance agents for a consultation
Monday - Friday: 9 am - 5:30 pm PST
By completing the form above, I understand that a licensed agent may call or email me to discuss Medicare insurance and/or individual health insurance plans. This is a solicitation for insurance.