Medicare & Health Products

We are NOT beholden to one product, strategy, or insurance carrier. We work with multiple products, carriers, and plans to make sure YOU CHOOSE how your healthcare is covered.

We Believe in Guiding You Through Every Step of Your Health Insurance Journey:

  • Turning 65 or Disability Enrollees Get Set up with Medicare & Medicaid

  • Decide on a Strategy-Medicare Advantage or Medicare Supplement

  • Fill the Gaps with Prescription Drug Plans, Hospital Indemnity, Long Term Care and Heart Attack, Stroke, and Cancer Payout Insurance

  • Your Consultation with us is a No Cost, No Obligations One on One Meeting

  • If you are just turning 65 you will need to sign up for Medicare Part A (Hospital) and Medicare Part B (Medical).

    If you are low income (Under $2000/mo) you should apply for Medicaid as well to try to get extra cost savings and benefits.

    Other People who may qualify for Medicare are those who have received 24 months of disability payments (SSDI) or those with ALS (Lou Gehrig’s) or End-Stage Renal Disease (ESRD)

  • It’s important to pick the right strategy to avoid paying too much and to make sure you aren’t exposed to any situations your main plan doesn’t cover.

    We understand that for most people its a balancing act to pick the right plan at the right cost. The software our agents use takes out the guess work so we can give you realistic healthcare cost estimates.

    You can read more about these strategies below or you can skip ahead and book your free call with us below or on the menu bar.

  • Your base Medicare plan will not cover every situation.

    As your agent we are required and happy to help you understand the additional products that can help cover any gaps in coverage.

    It’s better to control your costs than be surprised by them as they happen.

    Again we shop multiple plans, carriers, and strategies for you at no cost.

    You are not required to purchase additional coverages if you choose not to.

  • You really can just skip to this step if you want by booking your one on one with us.

    We are happy to save you the reading and make everything human!

    Our owner, Clay Murdock, believes strongly in getting things right for his clients and neighbors. As an insulin dependent diabetic he understands how critical health coverage can be!

Schedule Your Conversation

We do not charge for our one on one hand-tailored consultations.

Feel free to select a time that you are comfortable will work with your schedule. Due to demand, rescheduling missed appointments is not always available.

Only dates in blue are currently available.

We can meet over the phone or in person if you are local.

For other dates or times please call or text: 855-701-7113.

We Pay Attention to Every Detail & Do The Math:

  • We do an In-Depth Health & Financial Assessment to Hand-Tailor our Recommendations Personally to you!

  • We prioritize making sure you can keep the doctors you like the best!

  • We will make you aware of the Pros & Cons of each plan and strategy.

  • Our system helps us estimate your annual/monthly cost to get you the best savings based on your medications, doctors, and health needs.

  • We offer a no-cost annual review with you so you don’t have to worry about yearly changes.

  • You Work with a Licensed & Experienced Agent Every Time.

  • You

Strategy Comparison: Side By Side

This graphic highlights key differences between Medicare Advantage and Medicare Supplement plans. Note that details vary by state, zip code, and individual needs & qualifications. Schedule an appointment to discuss what applies specifically to you.

Pros & Cons

Medicare Sup + PDP

Requirements:

  1. Enrollment in Original Medicare (Parts A & B):

    • You must have both Part A (hospital insurance) and Part B (medical insurance).

  2. Part B Premium:

    • You must pay the monthly Part B premium (set by Medicare; $164.90 in 2023 for most people).

  3. Medigap Premium:

    • You’ll pay an additional premium for the Medigap policy.

    • Costs depend on age, location, and plan type (e.g., Plan G, Plan N).

  4. Part D Prescription Drug Plan Premium:

    • Required for drug coverage. Premiums vary based on the plan and formulary.

  5. No Income Requirements:

    • Available to anyone who qualifies for Medicare and can afford the premiums.

Pros:

  1. Freedom to Choose Providers:

    • Use any provider nationwide that accepts Medicare (no network restrictions).

    • Ideal for frequent travelers or snowbirds.

  2. Comprehensive Coverage:

    • Medigap plans cover most or all of Original Medicare’s out-of-pocket costs (e.g., deductibles, coinsurance, and copayments).

    • Some plans (e.g., Plan F or Plan G) offer near-complete coverage.

  3. No Referrals Needed:

    • No need for a primary care physician or referrals to see specialists.

  4. Predictable Costs:

    • With plans like Medigap Plan G, your medical expenses are mostly predictable (except for the monthly premium and Part B deductible).

  5. Lifetime Renewability:

    • Medigap plans are guaranteed renewable as long as you pay your premiums, even if your health declines.

  6. Standalone Prescription Drug Plan Options:

    • Flexibility to choose a separate Part D plan that meets your specific medication needs.

Cons:

  1. Higher Monthly Premiums:

    • Medigap plans typically have higher premiums compared to MAPD plans.

    • You’ll also need to pay separately for a Part D plan.

    • Rates may increase year to year

  2. No Extra Benefits:

    • Medigap plans don’t include extras like vision, dental, hearing, or wellness programs.

  3. Separate Policies to Manage:

    • You’ll have two separate plans (Medigap and Part D), which means dealing with different companies and premiums.

  4. No Annual Out-of-Pocket Maximum:

    • While Medigap minimizes costs, there is no official cap on out-of-pocket spending.

  5. Switching & Cancelling

    • Switching from one supplement to another if you don’t like yours can be difficult depending on multiple factors like length of time you’ve had the policy, state you live in, your health, age etc. They can also be hard to get back into if you try another strategy

Medicare Advantage

Requirements:

  1. Enrollment in Original Medicare (Parts A & B):

    • You must have both Part A and Part B.

  2. Part B Premium:

    • You must still pay the Part B premium (though some MAPD plans may "give back" part of it in the form of a premium rebate).

  3. Plan Premium:

    • Many MAPD plans have $0 monthly premiums, but copays and coinsurance costs apply.

  4. Income Considerations:

    • No income restrictions, but plans may appeal more to lower-income individuals due to lower upfront costs.

  5. Provider Network:

    • You must use the plan's provider network (HMO or PPO) for non-emergency care.

  6. Local Availability:

    • Coverage options are based on your geographic area and zip code.

Pros:

  1. All-in-One Coverage:

    • Combines Medicare Part A, Part B, and Part D (prescription drugs) in one plan.

    • Often includes extra benefits like vision, dental, hearing, fitness memberships, and transportation.

  2. Lower Monthly Premiums:

    • Many plans offer $0 monthly premiums (though you'll still pay the Part B premium).

    • Some plans include low copays for routine services.

  3. Annual Out-of-Pocket Maximum:

    • Limits your total spending for Part A and Part B services, which Original Medicare doesn’t provide.

  4. Extra Perks:

    • May include wellness benefits, telehealth, over-the-counter (OTC) allowances, and more.

  5. Simplified Management:

    • One card for medical and drug coverage, making it easier to manage.

  6. Dual Eligible Bonus’

    • For those eligible for their state Medicaid/Access to Health Programs

    • Depending on level of coverage may include: Monthly Grocery & Utility Allowance, Lower or No Deductible, Copays, Coinsurance for Hospital, Medical, Drugs. Better Dental, Vision, Hearing & Transportation benefits.

Cons:

  1. Provider Network Restrictions:

    • Typically requires using in-network providers (HMO or PPO networks).

    • Out-of-network care can be expensive or not covered (except in emergencies).

  2. Referrals for Specialists:

    • Many plans (especially HMOs) require referrals to see specialists.

  3. Cost Variability:

    • Copays, coinsurance, and deductibles can add up, especially for frequent healthcare users.

    • Prescription costs vary significantly based on the formulary and tier system.

  4. Regional Availability:

    • Plans and networks vary by location, so coverage might be limited if you travel often.

  5. Prior Authorizations:

    • Many MAPD plans require prior authorizations for certain services or medications, leading to potential delays.

Have Questions? Call 1-855-701-7113

Old Western Insurance’s approach puts you in charge of your healthcare!