Medicare Insurance

Fill in the gaps of your Medicare coverage and get more, if not all, of your healthcare expenses paid for.

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Are you turning 65, or over 65 and recently retired?

How you enroll in Medicare will depend on your unique situation.  You may still be working, which will affect how you use your benefits.  Or you may need to find coverage for your dependents once you make the switch from your current health benefits.   Whatever your needs, Toubin Insurance Agency can help you.

Medicare Supplement Plans

Medicare Supplements (Medigap)

Medicare Supplement Insurance policies (also known as Medigap) are offered through private carriers and work in conjunction to complement your original Medicare Parts A and B.  They cover some, if not all, of the expenses that Part A and B do not cover, like co-pays, deductibles and other excess charges. There are many different types of Medicare Supplement policies available, yet they are regulated so the benefits for these various policies (known as Plan A through N), are all the same regardless of the carrier.  However, premiums can vary greatly among carriers. Ultimately, the best supplement plan is one that is purchased from a quality carrier, has a low premium and leaves you with the least or no out of pocket expenses.

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The Basics of Medicare

What is Medicare?  

Medicare is the federal health insurance program for people who are 65 or older.  The different parts of Medicare help cover specific services.  Specifically, Part A covers hospital or nursing facility stays, as well as hospice and home health care.  Part B covers certain doctors’ services, outpatient care, medical supplies, and preventive services.

Eligibility for Medicare

Most people will have an Initial Enrollment Period which is a 7 month period around the time they turn age 65. This period begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65.  Once enrolled in Medicare, if you wish to change your plan,  you must act during the annual open enrollment period.

Annual Open Enrollment  – October 15th through December 7th.

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Important Disclaimers

Benefits: Any benefit information provided on our website is a brief summary, not a comprehensive description of benefits, and may contain inaccuracies. For more information contact the plan administrator or carrier directly. Limitations, copayments, and restrictions may apply, depending on the plan.

Contact Forms: By providing information via our contact forms or quote request forms, you agree that an authorized representative or licensed insurance broker of Choices Brokerage may contact you by telephone, email, or mail to answer your questions or to provide additional information.

Agents: Toubin Insurance Agency is a fully licensed insurance agency authorized to market Medicare Supplement insurance plans. This is a solicitation for insurance. You have no guaranteed issue or other benefits. Offerings of insurance are made by carriers/insurers based only on submitted applications. Toubin Insurance Agency is an independent insurance brokerage and is not an insurance carrier/insurer.

Need help understanding Medicare?

The Medicare system can be overwhelming. Our goal is to simplify and explain the basic ABCs and regulations that govern Medicare so you can select a plan that is right for your needs and budget.