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Medicare

Medicare Can Be Confusing – We Make It Clear

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A government program with many parts – we break it down simply.

What Is Medicare, Really?

Medicare isn’t one-size-fits-all – and if you’re just getting started, it can feel overwhelming. That’s where we come in. At Premier Benefit Services, we take the time to explain how Medicare works, what your choices are, and what makes the most sense for you. Whether you’re turning 65 or helping a loved one figure it out, we’re here with real answers and a personal touch.

Medicare Part A

Helps cover hospital stays, skilled nursing care, hospice, and some home health services. It’s usually premium-free if you paid Medicare taxes while working.

Medicare Part B

Covers doctor visits, lab work, outpatient care, and preventive services like screenings and shots. Most people pay a monthly premium.

Medicare Part D

Adds prescription drug coverage to your plan. It’s optional but important – and delaying enrollment may lead to penalties later.

Medicare Supplement vs. Medicare Advantage

They are not the same – here’s how they compare.

We’ll walk through your needs, doctors, and medications together so you feel confident in your decision.

Medicare Supplement Plans (Medigap)

  • Work with Original Medicare to cover gaps like the 20% coinsurance Medicare doesn’t pay.


  • Accepted by any provider nationwide who takes Medicare – no networks or referrals.


  • Do not include prescription drug coverage (you’ll need a separate Part D plan).



  • Coverage stays consistent year to year, though premiums may increase over time.

Medicare Advantage Plans (Part C)

  • Replace Original Medicare with an “all-in-one” plan from a private insurance company.


  • Include Part A, Part B, and usually Part D – plus extras like dental or vision.


  • Often have lower monthly premiums but may include copays and provider networks.



  • You must use in-network doctors and may need referrals, depending on the plan.

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How Part D Works

Prescription drug plans vary – and understanding them can save you money.

Standalone Part D drug plans (PDPs) add prescription coverage to Original Medicare and other types of Medicare-approved plans. Each plan has a unique list of covered medications, called a formulary, which organizes drugs into “tiers” by cost. Lower-tier medications typically cost less, while higher-tier drugs may require a higher copay. If your doctor prescribes a higher-tier drug, you may request an exception to lower your out-of-pocket costs.

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You’re Not the Only One Wondering

Here are answers to questions we hear every day.

  • When should I sign up for Medicare?

    You can sign up for Medicare during your Initial Enrollment Period, which begins three months before your 65th birthday and ends three months after. Enrolling on time can help you avoid coverage gaps and potential penalties. If you’re already receiving Social Security, you may be automatically enrolled. We’ll help you understand the right timing based on your situation.

  • Can I keep my current doctor?

    That depends on the plan you choose. With Original Medicare and a Supplement plan, you can see any doctor who accepts Medicare. With Medicare Advantage, you’ll need to use providers within the plan’s network. We’ll look up your doctors in each plan option and help you keep the care you trust.

  • Do I really need a Part D plan if I’m not on any medications?

    Yes, even if you’re not taking prescriptions now, enrolling in a Part D plan when you’re first eligible helps you avoid future late penalties. Basic plans are available at a low cost and provide peace of mind in case your medication needs change. If you skip it and try to enroll later, you could face a penalty for the rest of your life.

  • What’s the difference between a Medicare Supplement and a Medicare Advantage plan?

    A Medicare Supplement adds to your Original Medicare coverage, letting you see any provider that accepts Medicare and covering many out-of-pocket costs. Medicare Advantage plans bundle your coverage into one plan with additional benefits, but usually come with provider networks and plan rules. We’ll explain the pros and cons of each and help you find what fits your health, preferences, and budget.

  • Can I change my Medicare plan later?

    Yes – typically during the Annual Enrollment Period (October 15 to December 7) or under special circumstances, like moving or losing other coverage. We’ll help you track important deadlines and walk you through plan comparisons each year. Whether it’s switching Advantage plans or adjusting your Part D, we’re here to help you stay covered.