Medicare Insurance In Portage, Kalamazoo, Battle Creek, Three Rivers, Plainwell, MI, and the Surrounding Areas
Medicare is important
At Endres Insurance Agency, we know how important Medicare Insurance is for seniors. Rising healthcare costs make it essential to have a good insurance plan to help with unexpected medical bills. Medicare Insurance offers important coverage tailored to the needs of seniors in Michigan. As people retire, their health needs often increase, requiring more medical services.
In Portage, Kalamazoo, Battle Creek, Three Rivers, Plainwell, and nearby areas, access to quality healthcare is vital. Medicare helps seniors connect with doctors, specialists, and hospitals so they can get the care they need on time.
Navigating the complexities of Medicare can be challenging.
That’s why our team at Endres Insurance Agency is dedicated to guiding you through your options. We are committed to helping you secure the right coverage that aligns with your healthcare needs and financial situation. Trust us to empower you with the knowledge and resources you need to make informed decisions about your Medicare Insurance.
Prescription Drug Coverage for Medicare
At Endres Insurance Agency, we understand the complexities of Medicare prescription drug coverage. This essential component of Medicare, known as Part D, helps beneficiaries afford their necessary medications. It is crucial for individuals to select a plan that best fits their specific health needs and budget.
In Portage, Kalamazoo, Battle Creek, Three Rivers, Plainwell, MI, and the surrounding areas, our team specializes in guiding clients through the various options available under Medicare. We provide personalized consultations to ensure you fully understand your choices, from stand-alone prescription drug plans to Medicare Advantage plans that include drug coverage.
Additionally, we recognize the importance of comparing costs and coverage details. Our expertise in Group Health and Small Business Health Insurance allows us to offer insights into how prescription drug benefits can be integrated into broader health plans.
Trust Endres Insurance Agency to help you navigate the complexities of Medicare prescription drug coverage with confidence and clarity. Your health is our priority, and we’re here to support you every step of the way.
Medicare Enrollment Guidance: Step-by-Step
1. Determine When to Enroll
Most people first become eligible when they turn 65.
Initial Enrollment Period (IEP)
This is a 7-month window:
- Starts 3 months before the month you turn 65
- Includes your birthday month
- Ends 3 months after
Enrolling on time helps avoid late penalties and gaps in coverage.
2. How to Enroll IN MEDICARE PART A&B
- Online: ssa.gov/medicare
- By phone: 1-800-772-1213 (Social Security)
- In person: At your local Social Security office (appointments recommended)
- Contact us for assistance
3. Understand Your Medicare Parts
- Part A Covers Hospital insurance – Usually free if you’ve worked 10+ years
- Part B Covers Medical insurance (doctor visits, outpatient care) – Monthly premium
- Part C Covers Medicare Advantage (Part A + B + often D) – Offered by private insurers
- Part D Covers Prescription drug coverage – Monthly premium
4. Decide Between Two Main Paths
Option 1: Original Medicare (Parts A & B)
- Add Part D for prescriptions
- Add Medigap to help pay out-of-pocket costs
Option 2: Medicare Advantage (Part C)
- Combines A, B, and usually D
- May offer extras (dental, vision, hearing, etc.)
5. Special Enrollment Periods (SEPs)
You may qualify for a SEP if:
- You delayed Medicare because you had employer coverage
- You moved or lost coverage
- You’re eligible for Medicaid or Extra Help
6. Medicare Annual Enrollment Period (AEP)
Oct 15 – Dec 7 each year.
Switch plans or join/drop Medicare Advantage or Part D
Why Choose Endres Insurance?
- Health Insurance Agents for over 25 years
- Serving Michigan residents since 1998
- Experienced Medicare Agents
- Outstanding Customer Service
- Knowledgeable on Supplement Insurance
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or Call 
269-323-7888