Medicare
Confidently choose from over 20 top carriers—Medicare Advantage, Supplements, or Part D—backed by expert guidance to find the best fit for your health and budget.
Medicare can be complicated. We make it clear.
Turning 65, navigating Medicare plans and types, dealing with penalties and coverage gaps—it can all feel overwhelming.
You deserve a trusted guide who helps you understand your options, avoid late penalties, and get the coverage that fits your medical needs and budget.
Your trusted Medicare partner
With 20+ carrier partners like Anthem, Humana, and UnitedHealthcare, PMG Agency offers personalized recommendations tailored to your doctors, prescriptions, and income. Our veteran-owned team is known for clarity, compassion, and compliance—so you can enroll with confidence.
How to get enrolled
Schedule a Consultation
Share your doctors, prescriptions, and any financial concerns.
01
Review Personalized Options
We compare multiple Advantage, Supplement, and Part D plans.
02
Enroll with Confidence
We’ll walk you through enrollment, deadlines, and any financial assistance options.
03
Real results: confidence & savings
- Avoid high out-of-pocket expenses
- Keep your preferred doctors and pharmacies
- Receive extra benefits for vision, dental, and wellness
- Reduce prescription costs with the right Part D plan
Understanding Medicare Parts
Medicare Part A: Hospital Insurance
- Covers inpatient hospital care, hospice, some skilled nursing.
- Premium-free if you or your spouse paid Medicare taxes.
- State assistance may apply if you have low income/resources.
Medicare Part B: Medical Insurance
- Covers outpatient care, doctor visits, durable equipment.
- Premium varies by income (IRMAA may apply).
- Penalties apply for late enrollment without creditable coverage.
Medicare Advantage (Part C)
- Combines Part A, Part B, and often Part D into one plan.
- May include extras like dental, vision, hearing, fitness, and more.
- Available as HMO, PPO, PFFS, and Special Needs Plans (SNPs).
Medicare Part D: Prescription Drug Plans
- Available as standalone or bundled with Advantage plans.
- Helps lower your out-of-pocket medication costs.
- Plans change yearly—so a review each fall is key.
Medicare Supplement (Medigap)
- Helps pay costs that Original Medicare doesn’t—like deductibles and coinsurance.
- Keeps Original Medicare flexibility (no networks).
- Cannot be combined with Advantage plans.
Additional Notes
- No pre-existing condition limits for most enrollees.
- Extra help programs may lower costs for low-income seniors.
- Special rules may apply for people with ESRD or other health conditions.
Ready to simplify your Medicare experience?
Skip the frustration of comparing plans on your own. PMG makes it simple to understand your options and enroll in the best plan for your needs.
