What Is Medicare?
Medicare is a federal health insurance program designed primarily for adults aged 65 and older, as well as younger individuals with qualifying disabilities or chronic conditions. While the coverage is national, finding the right Medicare plan is a highly personal decision—and that’s where Community Health Insurance Advisors can help. We provide personalized, step-by-step Medicare enrollment support, ensuring you fully understand all parts of the program. Choosing from so many Medicare plan options can feel overwhelming—but we simplify the process. Our licensed agents compare top-rated Medicare providers. We focus on your total healthcare picture—including doctor networks, prescription costs, copays, and lifestyle benefits. With Community Health Insurance Advisors, you’re never alone. We provide ongoing guidance, annual plan reviews, and friendly reminders to help you stay on top of important deadlines. Get expert Medicare help today—because your health, finances, and peace of mind deserve trusted support.
Turning 65?
Happy Birthday, and Welcome to Medicare!
U.S. citizens and individuals who legally reside at a permanent address in the United States become eligible for Medicare beginning on the first day of the month they turn 65. If your birthday falls on the first day of the month, your Medicare eligibility begins on the first day of the previous month. Book a consultation to review your benefits.
Group Insurance
Your employees deserve quality coverage—and your business deserves cost-efficient solutions. Our group insurance packages offer bundled medical, dental, and vision benefits tailored to your workforce.
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With tools to optimize costs, wellness incentives, and user-friendly enrollment systems, we go beyond the basics to build healthier, more engaged teams. Whether you’re a small business or a growing company, we design benefits that support retention, productivity, and long-term savings.
Individual Insurance
Finding the right individual plan can feel like navigating a maze. We simplify the process by matching you with coverage that fits your health needs and budget—whether you’re self-employed, between jobs, or seeking ACA marketplace options.
Our advisors provide clear breakdowns of networks, deductibles, and subsidies, plus ongoing reviews to adapt as life changes. With us, you’ll never feel lost in the insurance process.
Medicare Options
Part A (Hospital Insurance)
Provides coverage for inpatient hospital care, skilled nursing facility care, hospice services, and certain home health services.
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Part B (Medical Insurance)
Provides coverage for physician services, outpatient hospital services, preventive care, diagnostic tests (such as X-rays and laboratory work), and other medically necessary services.
Prescription Drug Coverage (Part D)
Administered by private insurance companies that contract with Medicare.
Provides coverage for prescription medications.
Plans are regulated by Medicare standards but may differ in monthly premiums, formularies, and cost-sharing requirements.
Medicare Advantage (Part C)
Offered by private insurance companies approved by Medicare.
Provides all benefits covered under Original Medicare (Parts A and B) and may include additional services.
Many Medicare Advantage plans also include prescription drug coverage, as well as supplemental benefits such as fitness memberships and limited dental or vision services.
These plans operate through provider networks (e.g., Health Maintenance Organizations or Preferred Provider Organizations). Beneficiaries should verify that their preferred physicians and hospitals are included in the plan’s network before enrollment.
Medicare & Medicaid
For those eligible for both Medicare and Medicaid, the rules and options can feel complex. We provide clear, compassionate guidance to ensure you receive all the benefits available to you. From subsidy eligibility to dual enrollment support, we walk you through each step. Our goal: to maximize affordability and ensure seamless access to the care you deserve—without the stress.
Supplemental Insurance
Even the best plans may leave gaps. Supplemental insurance helps cover costs for hospital stays, critical illnesses, or other unexpected health events. We perform a personalized gap analysis to identify risks, then recommend add-on coverage that fits your comfort and budget. Whether it’s dental, vision, accident, or illness protection, our supplemental plans provide peace of mind when life takes an unexpected turn.
Transitioning Into Retirement
Turning 65 and Still Working? Here’s What You Need to Know About Medicare
Increasingly, people are choosing to work past the age of 65, which means making important decisions about their Medicare coverage.
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You may be asking yourself:
- Do I need to enroll in Part A now?
- When is the right time to sign up for Part B?
- How does my employer coverage work with Medicare?
Don’t leave these questions unanswered. Navigating Medicare while still employed can feel confusing, but you don’t have to figure it out on your own. Take the stress out of the process by meeting with an insurance advisor today—and make sure you’re prepared with the coverage that’s right for you.
Life Insurance
Life insurance is more than just a policy—it’s a promise to protect your loved ones no matter what the future holds. Our advisors help you choose from a range of life insurance options, whether you’re looking for term coverage or permanent policies.
We take time to understand your family’s needs, financial goals, and budget to recommend a plan that ensures stability and peace of mind. With the right coverage, you can rest easy knowing your family’s future is secure.