MEDICARE CAN BE CONFUSING, THERE IS HELP.

As an Independent, Licensed Insurance Broker, we are contracted with multiple carriers and plans and are well equipped to help you quickly and efficiently assess ALL of your Medicare options in one simple appointment. We’re here to listen and show you all of the plans so you can decide which plan(s) may best fit YOUR needs.

Schedule an appointment to review changes in your plan or look at one of the NEW plans!

Independence Matters!

As an Independent, Licensed Insurance Broker, we are contracted with multiple carriers and plans and are well equipped to help you quickly and efficiently assess ALL of your Medicare options in one simple appointment. We’re here to listen and show you all of the plans so you can decide which plan(s) may best fit YOUR needs.

  • As an Independent Broker, we don't work for the insurance companies, we work for YOU.
  • We are well equipped to help you quickly and efficiently assess ALL of your Medicare options in one simple appointment.
  • We're here to listen and show you all of the plan options so you can decide which plan(s) may best fit YOUR needs.
  • We'll look up all of your doctors and medications in your appointment so you don't have any surprises later.
  • If someone (a spouse, child or friend) helps you make decisions, we encourage you to bring them along to your Medicare Review Appointment or Workshop
  • Now, we don’t make the rules, set the prices or manage the plans, but we’re always here to help answer questions when they arise!

Call 520-399-6340 today to schedule an appointment to review
changes in your plan or look at one of the NEW plans!

What is Medicare?

Medicare is managed by the Centers for Medicare and Medicaid Services (CMS), (http://www.medicare.gov ). Medicare is health insurance for:

  • People 65 or older
  • People under 65 with certain disabilities
  • People of any age with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant)

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What does original Medicare cover?

  • Original Medicare is coverage managed by the federal government. You generally have to pay a portion of the cost for each service covered by Original Medicare.

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Medicare Part A*

  • Helps cover inpatient hospital care
  • Inpatient skilled nursing care
  • Hospice
  • Home health care
  • Most people do not need to pay a premium for Part A

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Medicare Part B*

  • Medically necessary doctors’ services
  • Outpatient care
  • Home health services
  • Durable medical equipment
  • Many preventive services
  • Most people pay a monthly premium for Part B

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Medicare Part C**, *

Medicare Advantage Plan is another way to get your Medicare coverage.

  • Medicare Advantage Plans are still Medicare.
  • If you join a Medicare Advantage Plan, you will get your Medicare Part A and Medicare Part B coverage from the Medicare Advantage Plan, not Original Medicare.
  • Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare.
  • Some Medicare Advantage Plans include prescription drug coverage.
  • You must maintain your Part A and Part B insurance to be eligible for a Medicare Advantage Plan.
    *Copayments, coinsurance, and deductibles may apply. Visit http://www.medicare.gov for specific cost information.
    **People with special or chronic health conditions or needs (like diabetes, ESRD, HIV/AIDS, chronic heart failure or dementia) may not be eligible for all Medicare Advantage Plans. Visit http://www.medicare.gov for more information.


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Medicare Part D*

Prescription drug coverage is available to everyone with Medicare.

  • You can sign up for Prescription Drug Coverage when you are first eligible for Medicare.
  • If you decide not to join a Medicare drug plan when you’re first eligible, and you don’t have other creditable prescription drug coverage, or you don’t get extra help (from a state or federal subsidy program), you may be subject to a late enrollment penalty if you want to join a plan later.
  • Prescription Drug Plans may be purchased by themselves as stand-alone plans to add to Original Medicare or some other types of Medicare Plans.
  • Prescription Drug Coverage may also be included as part of plans such as Medicare Advantage Plans.

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What are Medicare Supplement Insurance Policies?*

  • Medicare Supplements, also known as Medigap Plans, help cover some of the costs (or gaps) that Original Medicare does not cover such as copayments, coinsurance, and deductibles.
  • Sold by private insurance companies.
  • Medicare Supplement Policies are standardized and must follow federal and state laws.
  • In Arizona, policies are identified by letters.
  • All policies offer the same basic benefits, but some offer additional benefits, and premiums may vary.
  • You must maintain your Part A and Part B insurance to be eligible for a Medicare Supplement Policy.

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How do I enroll in Medicare at age 65?

At age 65?

  • At age 65, if you’re already getting benefits from Social Security or the Railroad Retirement Board (RRB), you’ll automatically get Part A and Part B starting the first day of the month you turn 65.
  • If you are not receiving benefits at age 65, you will need to call the Social Security Administration at 800-772-1213 for more information about your Medicare eligibility and to sign up for Part A and/or Part B.
  • Some people under the age of 65 are eligible for Medicare benefits because of a disability or qualifying condition. Contact http://www.medicare.gov for more information, or contact the Social Security Administration at 800-772-1213.
  • You can sign up for Part A and/or Part B during the 7-month period that begins 3 months before the month you turn 65, includes the month you turn 65, and ends 3 months after the month you turn 65.

After age 65?

There are a few reasons why you might not have enrolled in Medicare at age 65 and they all have different rules about how they affect Medicare enrollment. The best way to assess your specific circumstances is to meet with you directly to help you navigate your options after age 65.

If you are losing employer health insurance coverage (including COBRA) there are very short windows of opportunity to enroll in Medicare. Don’t delay!


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Information provided is excerpted from the book “Medicare and You 2015.” You may order a complete copy of this publication by contacting CMS at 800-633-4227.

Neither the Company nor its agents or representatives may give tax, legal or accounting advice. Individuals should consult with a professional specializing in these areas regarding the applicability of this information to their situations.

By calling Retirement Evolutions at 520-399-6340, I understand that I will be directed to a licensed insurance broker.  

Retirement Evolutions and its employees do not represent, nor are they affiliated with or employed by, the Centers for Medicare and Medicaid or any official government agency. You may reach CMS at 800-633-4227 (TTY users should call 877-486-2048) 24 hours a day / 7 days a week.