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Medicare Coverage Simplified

Helping you find the right Medicare plan to fit your healthcare needs and budget.

Your Medicare Coverage, Your Way

At T. French Insurance Agency, we understand that Medicare can be confusing. That’s why we're here to help guide you through the process, ensuring that you understand all your options and choose the best plan for your unique health and financial situation. Whether you’re new to Medicare or reviewing your current plan, we'll work with you to ensure you have the coverage you need—without paying for what you don’t.

How We Help You

Navigating Medicare alone can be overwhelming, but with personalized assistance, you can make informed decisions. Here’s how we help:

  • One-on-One Consultations: We take the time to understand your health needs and budget before recommending any Medicare plan. No cookie-cutter solutions—just custom advice that’s right for you.
  • Access to Multiple Plans: As an independent insurance agency, we can compare plans from multiple carriers to find the one that best suits you—without any bias.
  • Ongoing Support: Medicare needs can change over time. We’ll be here to review your coverage annually to ensure it still fits your situation, and I’m always available to answer questions or help you make adjustments.

Frequently Asked Questions

  • When am I eligible for Medicare?

    You’re eligible for Medicare three (3) months prior to your (65th) Birthday, your Birth month, and three (3) months after your birth month, or earlier if you have a qualifying disability.  It’s important to sign up during this time to avoid penalties.

  • What is the difference between Medicare Advantage and Medicare Supplement?

    Medicare Advantage (Part C) is an all-in-one alternative to Original Medicare that offers extra benefits like vision and dental coverage, while Medicare Supplement (Medigap) helps cover out-of-pocket expenses that Original Medicare doesn’t cover. I can help you understand which option is better for your needs.

  • Do I need a Prescription Drug Plan?

    If you take regular prescription medications, a Part D Prescription Drug Plan can help lower your costs. It’s important to consider enrolling in a drug plan when you first become eligible to avoid late enrollment penalties.

  • Can I change my Medicare plan?

    Yes, you can change your Medicare plan during the Annual Enrollment Period, which runs from October 15 to December 7 each year. I can help you review your current plan and decide if switching makes sense for you.

  • What happens if I don’t sign up for Medicare when I’m first eligible?

    If you don’t sign up during your Initial Enrollment Period and don’t have qualifying coverage elsewhere, you could face late enrollment penalties, which can increase your premiums. It's important to understand your options and act within the enrollment windows.

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