Medicare Insurance Hub

Medicare Advantage (Part C) replaces Original Medicare and is offered by private insurers with network restrictions. Medicare Supplement (Medigap) works alongside Original Medicare to cover cost-sharing gaps. An independent agent can help you compare both options for your specific health needs and budget.

Your Initial Enrollment Period begins 3 months before your 65th birthday month and ends 3 months after. If you miss this window, you can enroll during the Annual Enrollment Period (October 15 – December 7) or qualify for a Special Enrollment Period based on life events.

Original Medicare (Parts A and B) does not cover most prescription drugs. You need Medicare Part D (standalone drug plan) or a Medicare Advantage plan that includes drug coverage to get prescription benefits.

Medicare Part B has a standard monthly premium (typically $174.70 in 2024, subject to income adjustments). Medicare Advantage premiums vary by plan and carrier — some have $0 premiums. Medicare Supplement premiums depend on your age, health, and the plan letter you choose. Call us for a free comparison.

Yes. Medicare is a federal program available to all eligible U.S. residents regardless of state. AG Insurance serves the Tri-State area including West Virginia, Ohio, and Kentucky. We help residents in Huntington WV, Chesapeake OH, Proctorville OH, Ironton OH, and Ashland KY compare Medicare plans.

A Special Enrollment Period (SEP) allows you to enroll in or change Medicare plans outside of standard enrollment windows. Common triggers include losing employer coverage, moving to a new service area, or qualifying for Extra Help with drug costs.