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Learn Medicare Basics

In this section we go over what Medicare is, who qualifies for Medicare, what Medicare costs, how and when to enroll, and more. Knowing these basics will allow you to make an informed decition.

Use our online system to find Medicare plans tailored to your needs and enroll. Simply enter your zip code, preferred pharmacy (if applicable), preferred doctors, and current prescriptions. The system will filter through all available plans and provide you with a customized list of the best options.

Some things are better done in person. Schedule an in person appointment with a llicensed Medicare agent who will walk you through the entire process.

At Universal Health and Life Insurance, we’re more than just an insurance Agency – we’re your trusted partner. Our mission is to guide you in finding the Medicare plan that fits your unique health needs and lifestyle.

What Coverage Do You Need?

Medicare Advantage

Medicare Advantage is an all-in-one alternative to Original Medicare, offering coverage for hospital, medical, and often prescription drugs, plus extra benefits like vision, dental, and wellness programs through private insurance companies.

Medicare Supplement Plans

Medicare Supplement Insurance plans, also called Medigap, are private insurance policies designed to help cover costs that Original Medicare (Parts A and B) doesn’t fully pay for, like copayments, coinsurance, and deductibles. These plans work alongside Original Medicare and provide additional financial protection, giving you more predictable healthcare costs. Medigap plans don’t include prescription drug coverage and must be purchased separately.

Special Needs Plans

Dual Special Needs Plans (D-SNPs) are a type of Medicare Advantage plan specifically designed for individuals who qualify for both Medicare and Medicaid. These plans provide comprehensive healthcare coverage, including hospital, medical, and prescription drug benefits, along with extra services tailored to meet the needs of dual-eligible individuals, such as dental, vision, transportation, and care coordination.

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