Medicare

Navigating Medicare has never been easier.

Medicare Made Simple
with Omega Insurance

Navigating Medicare can feel overwhelming, but you don’t have to do it alone. At Omega Insurance Group, we simplify the process, answer your questions, and guide you to make the best decisions for your healthcare needs.

Senior woman and her husband having a meeting with financial adv

You need a LOCAL Medicare professional

When it comes to selecting the right Medicare policy and coverage for your medical needs, working with a local Medicare professional offers significant advantages over calling a national 800 number. A local professional understands the nuances of your community, including the specific healthcare providers, facilities, and services available in your area. They take the time to build a personal relationship with you, providing tailored advice based on your unique health needs, budget, and lifestyle. Unlike impersonal call centers, a local Medicare expert offers ongoing support, answering your questions and assisting with any issues long after your policy is in place. With their knowledge of local resources and commitment to personalized service, they ensure you feel confident and cared for, giving you peace of mind in your healthcare decisions.

What is medicare?

Medicare is a federal health insurance program designed for:

Individuals aged 65 and older
Certain younger individuals with disabilities
People with End-Stage Renal Disease

Medicare is divided into four parts, each offering specific types of coverage:

Part A: Hospital Insurance – Covers inpatient hospital stays, skilled nursing facility care, hospice, and limited home healthcare.

Part B: Medical Insurance – Covers outpatient services like doctor visits, lab tests, physical therapy, and preventive care.

Part C: Medicare Advantage Plans – Combines Parts A and B through private insurance, often with additional benefits like vision, dental, and hearing coverage.

Part D: Prescription Drug Plans – Helps cover the cost of outpatient prescription medications.

medicare myths busted

Myth: Medicare is free.

Truth: While Part A is typically premium-free for most people, other parts of Medicare—like Part B and D—come with monthly premiums. These costs can vary based on your income.

Myth: You're automatically enrolled in Medicare

Truth: You need to actively enroll in Medicare, typically during your initial enrollment period, which starts three months before you turn 65 and ends three months after.

Myth: Medicare covers long-term care, assisted living, or nursing homes.

Truth: Medicare generally doesn't cover long-term care, assisted living, or nursing homes unless it's a short-term stay in a skilled nursing facility after a hospital stay under specific conditions.

Myth: Medicare and Medicaid are the same.

Truth: Medicare and Medicaid are two different government programs that help people pay for healthcare, but they serve different populations and cover different services.

common medicare mistakes to avoid

assuming medicare is automatic

You must enroll when you’re eligible unless you’re covered by specific employer insurance.

missing the
part d deadline

Not enrolling on time can lead to lifelong penalties.

skipping supplemental coverage

Without a Medigap or Medicare Advantage plan, you may face high out-of-pocket costs for services not fully covered by Original Medicare.

stethoscope-is-piece-paper-with-blue-stethoscope

how we can help

At Omega Insurance Group, we:

Clarify your Medicare options so you can confidently choose the best plan.
Help you understand supplemental coverage like Medigap or Medicare Advantage.
Provide ongoing support for plan changes, annual enrollment, and unexpected healthcare needs.

Is medicare free?

No. While Part A is free for most people, Parts B and D require monthly premiums. Part C may require a premium.

Can I change plans after enrolling?

Yes, however, there are specific periods during which changes are allowed and medical underwriting may be required.

What if I miss my enrollment window?

You may face penalties, but we can help you navigate special enrollment periods.

Get started today

Don’t let Medicare confusion hold you back. Schedule a free consultation with Omega Insurance Group, and let us help you make informed decisions about your Medicare options.

GET A FREE QUOTE

See how much you can save!