Medicare Made Simple
Medicare Insurance Guidance & Plans
Personalized Medicare Help from Independent Agents You Can Trust
Navigating Medicare doesn't have to feel overwhelming. Whether you're approaching 65, already enrolled, or helping a loved one make decisions, The HgO Group is here to offer clear, unbiased guidance on your Medicare insurance plans. As experienced, independent Medicare agents, we help you understand your coverage options, compare plans across top carriers, and choose the right path forward-at no cost to you.
We don't just answer questions. We offer peace of mind.
Understanding the Basics
What Medicare Really Covers
Medicare is a federal health insurance program for people age 65 and older, as well as certain individuals with disabilities. It provides essential coverage-but it doesn't cover everything. That's where your choices come in.
There are two primary paths:
Medicare Part A (Hospital Insurance)
Covers inpatient hospital stays, skilled nursing care, hospice services, and some home health care
Medicare Part B (Medical Insurance)
Helps pay for outpatient care, doctor visits, preventive services, and durable medical equipment
Depending on your needs, you may also add:
Medicare Advantage (Part C)
All-in-one plans offered by private insurers that bundle hospital, medical, and often prescription coverage
Medicare Part D (Prescription Drug Plans)
Standalone drug coverage offered by private insurers to help pay for prescription medications
Medicare Supplement (Medigap)
Optional policies that help cover out-of-pocket costs not paid by Original Medicare, like deductibles and coinsurance
The right setup depends on your health, lifestyle, and budget-and that's exactly what we help you figure out.
Medicare Made Simple
What Each Part Covers
We know the terminology can be confusing. Here's a quick breakdown of the core components of Medicare, with links to explore each one further:
Part A - Hospital Insurance
Covers inpatient hospital care, skilled nursing facility stays, hospice care, and some home health services.
Part B - Medical Insurance
Covers outpatient care, doctor visits, durable medical equipment, preventive services, and more.
Part C - Medicare Advantage
Combines Parts A and B into a single plan, often including extra benefits like dental, vision, and prescription coverage. Offered by private insurers.
Part D - Prescription Drug Plans
Standalone plans that help cover the cost of medications. Often included in Medicare Advantage, but also available separately.
Not sure where to begin? You're not alone. That's exactly why we're here.
What About Gaps in Medicare? Consider a Supplement Plan
Original Medicare doesn't cover everything-and there's no annual cap on out-of-pocket costs. That's where Medicare Supplement Insurance (Medigap) can help.
These optional plans help cover deductibles, coinsurance, and copays not paid by Medicare. You can pair a Medigap plan with Original Medicare and a Part D plan for comprehensive coverage without surprise bills.
Wondering how Medicare Advantage compares to a Medigap setup? We'll walk you through the pros and cons.
When to Enroll (And Why It Matters)
Timing can affect your coverage options-and your costs. Here's what to know:
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Initial Enrollment Period
Begins three months before you turn 65, includes your birthday month, and extends three months after. This is when most people sign up for Medicare for the first time.
Annual Enrollment Period (AEP)
Runs from October 15 to December 7 each year. This is your opportunity to switch Medicare Advantage or Part D plans.
Special Enrollment Periods (SEP)
Life changes-like retirement, losing employer coverage, or moving-may allow you to enroll or switch plans outside the normal windows.
Missing the right enrollment period can lead to coverage delays or permanent penalties. Let's talk before that happens.
Why Choose an Independent Medicare Agent Like HgO?
We're not a call center. We're not tied to any single insurance company. We're an independent Medicare agency that works for you-not for a commission.
Here's what that means for you:
Unbiased Plan Comparisons
We look at multiple insurance carriers to find the plan that best fits your needs-not the one that pays the most.
No Extra Cost to You
Our services are always free. We're compensated by the insurance carriers, but our guidance is entirely client-focused.
Ongoing Support
We don't disappear after enrollment. Expect annual reviews, help with claims, and answers to your questions year-round.
Clear, Plainspoken Advice
Medicare is complicated. We translate the fine print into everyday language you can understand-and act on.
Ready to find clarity? Let's make your Medicare decisions a lot easier.
Compare Medicare Plans with Confidence
Whether you're brand new to Medicare or thinking about switching plans, we're here to help. You can talk to us directly or explore options using our plan comparison tool.
Contact us for a free consultation or
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