Making Medicare Make Sense
Medicare CAN be confusing.
Good News: it doesn't have to be. With the right advisor helping you, Medicare can be as simple as A-B-C. At Trustworthy Financial, our goal is to get to know YOU and YOUR NEEDS, explain the ABC's of Medicare and how things work and then help you pick the plan that's right for YOU. We are an independent insurance group representing companies with hundreds of Medicare Insurance options.
We are here to Help.
We provide straight forward, unbiased information. Because we offer almost all options available in the markets we service, there is no need to sugar coat things. We'll share everything – good, bad and ugly – to be sure you understand your options, so you can confidently choose a plan that fits your personal needs. We are here as your trusted Medicare advisor, today, tomorrow and beyond!
Eligibility
Age 65+: Most people qualify based on work history (you or a spouse worked and paid Medicare taxes for at least 10 years).
Younger retirees may qualify earlier due to disability or certain medical conditions (like end-stage renal disease or ALS).
Medicare Has Four Parts
1. Part A – Hospital Insurance
Covers:
Inpatient hospital care
Skilled nursing facility stays
Hospice care
Limited home health care
Cost:
Usually free if you paid Medicare taxes while working.
2. Part B – Medical Insurance
Covers:
Doctor visits
Lab tests, X-rays
Preventive care (e.g. screenings, flu shots)
Outpatient services
Durable medical equipment
Cost:
Monthly premium (about $174.70 in 2025 for most people)
Deductible and 20% coinsurance for most services
3. Part C – Medicare Advantage
An alternative to Original Medicare, offered by private insurers.
Includes:
All Part A and B services
Often includes Part D (drug coverage)
May offer extras like dental, vision, hearing
Cost:
Varies by plan. You still pay your Part B premium.
4. Part D – Prescription Drug Coverage
Covers:
Prescription medications
Plans vary in cost and what drugs are covered
Cost:
Monthly premium (varies by plan and income)
:receipt: What Medicare Doesn’t Cover
Long-term care (nursing home)
Dental, vision, and hearing (unless included in Advantage plan)
Overseas medical care
Cosmetic procedures
Extra Help: Medigap (Medicare Supplement)
If you choose Original Medicare (Parts A & B):
You can buy a Medigap policy from a private insurer.
Helps pay out-of-pocket costs (like copays and deductibles).
Does not work with Medicare Advantage plans.
When to Enroll
Initial Enrollment Period (IEP): 3 months before, the month of, and 3 months after your 65th birthday.
If you delay retirement and keep employer coverage, you may qualify for a Special Enrollment Period (SEP) when that coverage ends.
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