Medicare Made Simple
Skyview Health Insurance Advisors – Licensed Medicare Experts
Navigating Medicare can feel overwhelming — but it doesn’t have to be. At Skyview Health Insurance Advisors, we specialize in helping individuals understand their Medicare options and find coverage that fits their unique needs and budget.
Why Work with Skyview Health Insurance Advisors?
As independent brokers, we represent multiple top-rated insurance carriers — not just one. We will help you:
- Understand how Medicare works
- Compare plans available in your area
- Check drug and provider coverage
- Enroll in a plan that matches your lifestyle and budget
Our services are
complimentary, and there’s no obligation to enroll.
What Is Medicare?
Medicare is a federal health insurance program for:
- People aged 65 and older
- Individuals under 65 with certain disabilities
- People of any age with End-Stage Renal Disease (ESRD)
The Four Parts of Medicare:
Part A – Hospital Insurance
Helps cover inpatient hospital stays, skilled nursing care, hospice, and some home health care.
Part B – Medical Insurance
Covers outpatient care, doctor visits, preventive services, and durable medical equipment.
Part C – Medicare Advantage
All-in-one plans offered by private insurers that include Part A & B and usually Part D. Many also offer dental, vision, hearing, fitness, and other benefits.
Part D – Prescription Drug Coverage
Helps pay for prescription medications. Plans are offered by private insurance companies and can be standalone or included in Medicare Advantage.
Your Coverage Options
When you're eligible for Medicare, you have two main choices:
1. Original Medicare (Parts A & B)
- Option to add a Part D plan for drug coverage
- May add a
Medicare Supplement (Medigap) plan to help with out-of-pocket costs
2. Medicare Advantage (Part C)
- Combines Part A, Part B, and usually Part D
- May include additional benefits like dental, vision, hearing, and transportation
Schedule a Free Consultation Today
Frequently Asked Questions:
What is a Medicare Advantage Plan?
Medicare Advantage Basics:
- Covers everything Original Medicare covers (hospital care under Part A and medical care under Part B).
- Often includes extra benefits that Original Medicare doesn’t, such as:
- Prescription drug coverage (Part D)
- Dental, vision, and hearing care
- Wellness programs, gym memberships, transportation help, etc.
- Costs vary: You still pay your Part B premium, but the plan may have an additional monthly premium, copays, and deductibles depending on the design.
- Network restrictions: Most Medicare Advantage plans use an HMO or PPO structure, meaning you may need to see doctors in the plan’s network (except in emergencies).
- Out-of-pocket maximum: Unlike Original Medicare, Medicare Advantage has a yearly limit on what you pay out of pocket for covered services. Once you hit that cap, the plan pays 100% for the rest of the year.
What is a Medicare Supplement (Medigap) Plan?
A Medicare Supplement Plan (also called Medigap) is a type of insurance you can buy from a private company to help pay the “gaps” in Original Medicare (Parts A & B).
It doesn’t replace Medicare— you must stay enrolled in Original Medicare—but it helps cover out-of-pocket costs like:
- Copayments
- Coinsurance
- Deductibles
How Medigap Works
- You keep Original Medicare (Parts A & B).
- Medicare pays its share of your healthcare costs first.
- Then your Medigap policy helps pay what’s left (depending on the plan you choose).
- You can see any doctor or hospital nationwide that accepts Medicare—no networks or referrals required.
- Does not usually include prescription drug coverage—you’d need a separate Part D plan if you want that.
I’m turning 65, when should I enroll?
Initial Enrollment Period (IEP)
- For people first becoming eligible for Medicare (usually at age 65).
- A 7-month window:
- 3 months before your 65th birthday month
- Your birthday month
- 3 months after your birthday month
- During this time, you can sign up for Part A (hospital) and Part B (medical), and also add Part D (prescription drugs) or a Medigap plan or a Medicare Advantage plan (Part C).
What if I want to change my existing coverage?
Annual Enrollment Period (AEP) — for changing coverage
- Every year: October 15 – December 7
- You can:
- Switch between Original Medicare and Medicare Advantage
- Change Medicare Advantage plans
- Join, switch, or drop a Part D plan
- Coverage changes start January 1 of the next year.
Medicare OEP (Medicare Advantage Open Enrollment Period)
- When: Every year, January 1 – March 31
- Who: People already enrolled in a Medicare Advantage (Part C) plan
- What you can do:
- Switch to a different Medicare Advantage plan (with or without drug coverage)
- Drop Medicare Advantage and return to Original Medicare (and add a Part D drug plan if you want)
- What you cannot do:
- Switch from Original Medicare into Medicare Advantage
- Join a Part D plan if you don’t have Medicare Advantage
Medicare Disclaimer
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.
Not affiliated with or endorsed by the U.S. government or the federal Medicare program.
Calling this number will connect you to a licensed insurance agent/broker.
