If you are 65 or older, under 65 and receive Social Security Disability Insurance (SSDI) for a certain amount of time or under 65 and have End-Stage Renal Disease (ERSD), you qualify for Medicare. This federal government program provides healthcare coverage for all of those listed, providing many benefits, covering costs and putting less of a burden on you.



If you have to pay out-of-pocket costs that go beyond your Medicare plan, the bills can add up quickly. There are deductibles, coinsurance and copayments, to name a few. There’s a reason that over 13 million Americans have Supplement Insurance. 

It starts with understanding your situation and needs, then getting the perfect plan so you’re covered.


Prescription Drug Plan

If you need prescription medicine, the costs can escalate quickly without the right insurance plan. Medicare Part D is set up for drug coverage, but has limits and you need to make sure all the boxes are checked. 

Prescription drug coverage will help you pay for the medicine you need and there may even be options for home delivery and support programs. 

The good news is, you don’t have to figure it out, alone. A Parr expert can quickly look at your situation and show you some options. There’s no sense in not knowing all of your options.


Advantage (Dental, Vision, Hearing) 

There are a lot of different plans and options when it comes to Medicare, but it doesn’t have to be confusing and overwhelming. Advantage plans, oftentimes called “Part C” or “MA Plans,” refer to bundle or all-in-one plans that serve as an alternative to original Medicare. 

Advantage plans usually cover things not in an original plan, such as: hearing, dental, vision and even outliers like fitness plans. You can even tailor your plan for more benefits for transportation to doctor appointments, OTC prescriptions and things that you do that promote wellness. 

The first thing people ask is, What plan is right for me? 

You don’t have to try to figure that out by yourself. Medicare is going to pay a fixed amount each month to whatever companies offering the plans, and these companies must follow strict guidelines. 

A Parr Insurance expert can walk you through the plans, the guidelines, what you need to know and the different options. 

It’s not a flat fee for an advantage plan as several different factors determine the cost. You can lower your costs by using certain doctors and providers that exist within the plan’s network. You’ll also want to know what drugs are covered and if supplemental insurance is needed. 

Start with a quick evaluation of your situation so you know your options and what option is best for your specific need.