Local independent guidance
At ZZ Insurance Agency in Mountain Grove, Missouri, we work for you — not the insurance companies.
Medicare guidance
Medicare Plans Explained
Medicare is a federal health insurance program for individuals age 65+ or with certain disabilities.
Start here
Use a tool, then talk it through.
Medicare enrollment calculator
Find your age-65 enrollment window. Your date of birth stays in this calculator; no email is required.
Compare Medicare parts A, B, C and D
These are plain-language education points, not a quote or a coverage recommendation.
| Part | What it covers | Costs | Who it is for | Gaps to ask about |
|---|---|---|---|---|
| Part A | Hospital and inpatient care | Hospital deductible and shared costs may apply | People enrolled in Original Medicare | Does not cover most routine medical visits or prescriptions |
| Part B | Doctor visits, outpatient and preventive care | Monthly premium and shared costs may apply | People enrolled in Original Medicare | Does not include most prescription drugs |
| Part C | Medicare-covered services through a private plan | Plan costs, networks and rules vary | People who choose Medicare Advantage | Provider networks and plan rules can apply |
| Part D | Prescription drugs | Plan premium and cost sharing vary | People who want drug coverage | Does not cover routine medical or hospital care |
Medigap or Medicare Advantage?
Pick the question closest to yours.
Talk with ZebMedicare Supplement plan facts
Compare standardized plan coverage
Choose what you want to look at, then compare standardized coverage facts side by side. This is general information, not a recommendation.
The highlighted rows reflect your answers. They do not rank plans.
| Coverage fact | Plan G | Plan N | High-Deductible Plan G |
|---|---|---|---|
| Part A coinsurance and hospital costs | Yes | Yes | After plan deductible |
| Part B coinsurance or copays | Yes | Copays may apply | After plan deductible |
| First 3 pints of blood | Yes | Yes | After plan deductible |
| Part A hospice coinsurance or copays | Yes | Yes | After plan deductible |
| Skilled nursing facility coinsurance | Yes | Yes | After plan deductible |
| Part A deductible | Yes | Yes | After plan deductible |
| Part B deductible | No | No | No |
| Part B excess charge | Yes | No | After plan deductible |
| Foreign travel emergency | 80% | 80% | 80% after plan deductible |
| Out-of-pocket yearly limit | Not applicable | Not applicable | Not applicable |
Coverage is standardized by plan letter; availability and costs vary. Check current details with Medicare.gov and a licensed professional.
Book a Medicare appointmentLearn
A clearer way to understand your options.
Parts A, B, C and D
Medicare combines hospital, medical, private-plan and prescription-drug coverage.
IEP, AEP and OEP
Your first enrollment window differs from annual periods.
Part D late enrollment
Going without creditable drug coverage can create a penalty.
Medigap plan letters
Standardized letter plans help compare benefits.
Why ZZ
Licensed agents
Our licensed agents help individuals, families, and seniors understand coverage options for their current needs.
Carrier information
Carrier information will appear here after ZZI-100 confirms the agencies and plans ZZ is appointed to represent.
Questions
Answers to common questions.
What does Original Medicare include?
Original or “basic” Medicare includes Part A (Hospital Insurance) and Part B (Medical Insurance).
What if I am working past 65?
Many people are working past age 65 and have to decide if it’s best to stay on their group coverage and coordinate with Medicare or transition fully to Medicare.
What does Medicare Part C mean?
Medicare Part C is Medicare Advantage, a form of private insurance for people already enrolled in Original Medicare.
How do I enroll in Original Medicare?
Parts A and B are enrolled through Social Security online or at an office; other coverage can be discussed with an agent.
What is Medicare Part D?
Part D provides retail prescription-drug coverage through private insurance companies.
What should I consider if I work past 65?
Consider your premium, deductible, maximum out-of-pocket cost, copays, network type, and prescription coverage when comparing group coverage and Medicare.
Ready to talk it through?
Book a time or call (417) 377-9360.