Medicare can be confusing. Getting answers shouldn't be.
Whether you're approaching Medicare eligibility, reviewing your current coverage, or simply wondering if you have the right plan, WNY Insurance Solutions is here to help.
Explore answers to some of the most common Medicare questions below.
No. Our Medicare consultations are provided at no cost to you. We help you understand your options, answer your questions, and make informed decisions about your coverage.
No! We Come to You!
We understand that everyone has different schedules and preferences. We offer personalized consultations in the comfort of your home, by phone, or virtually.
Absolutely not. Our goal is to help you understand your current coverage and determine whether it continues to meet your needs.
If your existing plan is a good fit, there may be no reason to make a change.
Medicare Advantage (Part C) is an alternative way to receive your Medicare Part A and Part B benefits through a private insurance company. Plans may include prescription drug coverage and additional benefits.
Medicare Supplement Insurance (Medigap) works alongside Original Medicare to help pay certain out-of-pocket costs, such as deductibles, copayments, and coinsurance.
Each option has different costs, benefits, and considerations. We can help you understand the differences.
Yes! Prescription drug coverage can change from year to year, including covered medications, pharmacy networks, and out-of-pocket costs.
We can review available Medicare prescription drug plans with you to help identify options that meet your needs.
If you're approaching age 65, it's a good idea to begin learning about Medicare several months before your birthday.
For many people, the Initial Enrollment Period begins three months before the month they turn 65 and ends three months afterward.
Enrollment rules can differ depending on your circumstances, including whether you have coverage through an employer.
In many cases, yes. Medicare's Annual Enrollment Period runs from October 15 through December 7.
During this time, eligible individuals can review and make certain changes to Medicare Advantage and prescription drug coverage.
Other enrollment opportunities may be available depending on your circumstances. Medicare Supplement policies have different enrollment rules.
Your healthcare needs may change, and so can your plan.
Premiums, prescription drug coverage, provider networks, and benefits may change each year.
An annual review can help you determine whether your current coverage still meets your needs.
It can be helpful to have your Medicare card, current insurance information, a list of medications, preferred pharmacies, and the names of your healthcare providers.
This information helps us better understand your needs and review available options.
Medicare Guidance Made Personal.
At WNY Insurance Solutions, we believe understanding your Medicare options should feel comfortable, not overwhelming.
We're here to listen, answer your questions, and help you make informed decisions about your coverage.
We do not offer every plan available in your area. Currently we represent 8 organizations which offer 80 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
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