Elite Risk Advisors offers a range of Medicare coverage options designed to help individuals in Owensboro, KY manage healthcare costs and choose coverage with confidence. Understanding your Medicare choices makes it easier to select a plan that fits your healthcare needs and budget.
Provides hospital and medical coverage through the federal Medicare program. While it covers many services, it does not pay all healthcare costs.
Helps cover out-of-pocket costs left by Original Medicare, such as deductibles, copayments, and coinsurance.
An alternative to Original Medicare offered by private insurance companies that often includes additional benefits like prescription drug coverage, dental, vision, and hearing.
Helps cover the cost of prescription medications and is offered through private insurance carriers approved by Medicare.
Expenses such as deductibles, copayments, and coinsurance that Medicare beneficiaries may be responsible for paying.
Specific times when you can enroll in, change, or drop Medicare coverage, including Initial Enrollment, Annual Enrollment, and Special Enrollment Periods.
Some Medicare plans require you to use specific doctors, hospitals, or pharmacies, while others allow broader provider access.
Certain situations allow you to enroll in a Medicare Supplement plan without medical underwriting, regardless of health conditions.
Most people become eligible at age 65. Your Initial Enrollment Period begins three months before your 65th birthday and lasts seven months.
Medicare Supplement plans help cover costs Original Medicare doesn’t pay, while Medicare Advantage plans are an alternative that often include additional benefits and network-based care.
If you take medications now or may in the future, Medicare Part D can help reduce prescription costs and avoid late enrollment penalties.
Yes. Medicare offers specific enrollment periods each year when you can review and make changes to your coverage.
It depends on the plan. Some plans allow you to see any provider that accepts Medicare, while others use specific networks.
Costs vary based on the coverage you choose and your healthcare needs. A licensed Elite Risk Advisors professional can help explain expected costs.
No. Speaking with Elite Risk Advisors is free, with no pressure and no obligation.
Getting started is easy. Whether you’d like to stop by for a friendly, face-to-face conversation or prefer to request your quote online from the comfort of home, we’re here to make the process simple. Tell us what you need, and our team will guide you from start to finish.
Once we gather your information, we’ll provide personalized Medicare supplement insurance quotes tailored to your needs. We’ll walk you through how each option compares to your current coverage so you understand exactly what you’re getting. Whether you're hoping for better protection, lower rates, or both, our team is here to help you find the policy that fits just right.
When you’re ready to lock in the policy, just say the word, and we’ll set up your new Medicare Supplement insurance policy.
