Medicare is a health insurance program for US citizens age 65 or older and younger people with disabilities. Note that people with permanent kidney failure and amyotrophic lateral sclerosis (Lou Gehrig’s disease or ALS) may also be eligible for Medicare.
Initial Enrollment: When is the best time to enroll in Medicare?
The initial enrollment period is a seven month window. Which is the month you turned 65, three months prior and three months after.
What does Medicare cover?
Medicare covers inpatient hospital stays, outpatient medical services and most prescription drugs. Note that Medicare doesn't cover all your health care costs.
Our first priority is helping you find the BEST Medicare plans that suits your needs and budget. While our office is licensed with most of the Major A-rating insurance carriers in IL, we are not licensed with all carriers. To see the entire list of carriers in IL, you can visit www.Medicare.gov or call 1-800-Medicare.
In most areas of Illinois, there are 16 PDP plans; our office is licensed to sell 15. There is only one company (Envision and the Elixir RX) that we do not represent.
For MAPD plans, there can be anywhere from 44 to 47 plans depending on what county you live in. Our office is certified to sell 37 out of 47 MAPD plans; CB Health Insurance represents Aetna, Centene, HCSC (BCBS of IL), Humana, UnitedHealthcare/AARP, and WellCare. We do not currently represent Molina (1 HMO only in certain counties), Zing (3 HMO plans), Devoted (2 HMO and 1 PPO), ClearSpring (2 HMO plans). We are getting certified to sell Cigna plans for the 2024 enrollment period. (They currently offer 5 plans.)
