Medicare
Medicare Health Insurance in Central Oregon
Making sense of the alphabet soup. We'll help you understand how the parts fit together so you can make an informed choice.
The Golden Rule of Medicare
Don't wait until the last minute. The best time to start learning about your Medicare options is 6 months before your 65th birthday.
The Basics: Parts A, B, C & D
Understanding Medicare starts with knowing what the different parts cover. Once you grasp these fundamentals, the rest becomes much easier to navigate.
AHospital Insurance
Covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
BMedical Insurance
Covers certain doctors' services, outpatient care, medical supplies, and preventive services.
CMedicare Advantage
An "all in one" alternative to Original Medicare. Bundles Parts A, B, and usually D. May include extra benefits.
DPrescription Drugs
Helps cover the cost of prescription drugs. Offered by private companies approved by Medicare.
How We Guide You
Check Your Doctors
We look up your primary care physicians, specialists, and preferred hospitals to see how they interact with different coverage options.
Review Medications
We check your prescriptions against the formularies of different Part D or Advantage plans to help estimate out-of-pocket costs.
Explain Timelines
We ensure you understand your Initial Enrollment Period and other important deadlines so you avoid lifetime late penalties.
Note: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
How We Help
Medicare Services
Beyond explaining your options, we're with you every step of the way — from first questions to annual checkups.
Medicare Eligibility
Not sure when or how to enroll? We'll walk you through your eligibility windows and what happens if you miss them.
Enrollment Assistance
We guide you through the paperwork and make sure your application is complete, accurate, and submitted on time.
Annual Plan Review
Plans change every year. We review your coverage each fall during Open Enrollment to make sure it still fits your needs.
Turning 65
A step-by-step guide for people approaching Medicare eligibility — what to do, when to do it, and how to avoid costly mistakes.
Missed Drug Coverage
Understand the Part D late enrollment penalty and what to do if you missed your window for prescription drug coverage.
Find a Provider
Search our local provider directory to find doctors, pharmacies, hospitals, and urgent care clinics that accept your Medicare plan.
Serving Central Oregon
Based in Bend — available in person, by phone, or video.