Medicare Insurance
Understanding Medicare Coverage
Medicare is a federal health insurance program that provides essential health care for people aged 65 and older, as well as certain younger individuals with disabilities or End-Stage Renal Disease. As your trusted Medicare insurance broker, Houtz Insurance helps you understand your Medicare options and find the right Medicare plan for your needs, lifestyle, and budget.
Benefits of Medicare Insurance
Comprehensive Health Coverage
Flexible Plan Options
Personalized Support
Medicare coverage includes Part A for hospital services, Part B for outpatient and preventive care, Part C (Medicare Advantage) for all-in-one private health plans, and Part D for prescription drug coverage. This structure ensures access to essential health care through a variety of coverage options.
Working with a licensed Medicare agent helps you compare plans and understand plan options from various insurance companies. Whether you prefer Original Medicare or a Medicare Advantage plan that includes dental, vision, or prescription drugs, we’ll guide you to the right plan for your situation.
Our experienced Medicare agents take the time to explain plan details, costs, and benefits in simple terms. We operate in the best interests of our clients—helping you navigate Medicare enrollment and make confident decisions with no obligation or pressure.
Individual Medicare Plans
Choosing the right Medicare plan can be complicated, but our licensed Medicare brokers make it simple. We’ll help you understand the differences between Medicare Advantage, Medigap, and Part D coverage so you can design a health care solution that meets your unique needs. We also help ensure you’re eligible for the benefits you deserve under federal government programs.
Medicare Supplemental Insurance (Medigap)
Medicare Supplement Insurance, also known as Medigap, helps cover the costs that Original Medicare doesn’t — such as copayments, coinsurance, and deductibles. These Medicare supplement plans are offered by private insurers and are designed to work alongside your existing Medicare coverage, giving you more predictable out-of-pocket expenses and greater peace of mind.
With a licensed Medicare agent from Houtz Insurance, you can compare plans, review coverage options, and understand exactly how each plan aligns with your medical and financial needs. Whether you need additional protection for hospital stays, outpatient services, or preventive care, our team ensures you find the right plan for your situation.
Benefits of Medicare Supplemental Insurance:
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Fill Coverage Gaps: Protect yourself from unexpected costs not covered by Original Medicare.
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Freedom to Choose Providers: See any doctor or hospital that accepts Medicare nationwide.
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Financial Confidence: Enjoy more stable healthcare expenses with consistent, reliable coverage.
Our Medicare insurance brokers explain all plan details clearly — from premiums and eligibility to how your Medigap plan coordinates with your primary Medicare coverage. We help you select the best fit for your budget, your health care needs, and your long-term peace of mind.
Medicare Advantage Plans
A Medicare Advantage plan (Part C) is an all-in-one alternative to Original Medicare. These plans are offered by private insurers approved by the Centers for Medicare & Medicaid Services (CMS) and often include prescription drugs, dental, hearing, and vision benefits. Our licensed Medicare agents can help you compare plans, review coverage options, and find one that provides the most value for your budget and health care needs.
Why Choose Houtz Insurance?
At Houtz Insurance, our licensed Medicare agents are dedicated to helping you find the right Medicare plan—not just any plan. We work with integrity, professionalism, and your best interests at heart.
Licensed and Experienced Medicare Agents
Unbiased, No-Cost Support
Local, Ongoing Service
Our Medicare insurance brokers are fully licensed and trained to answer questions, compare plans, and provide expert guidance on all Medicare products. We help you understand your coverage so you can make confident decisions.
We provide free assistance to help you evaluate Medicare options. Our agents are compensated based on service, not sales, ensuring our advice always reflects your best interests—not an insurance company’s agenda.
As a local insurance agency, we’re here when you need us—by phone, in person, or online. Our licensed agents continue to support you after enrollment, helping you review plan information, understand coverage details, and adjust your Medicare plan as your needs change.
Real Case Study:
Navigating Complex Multi-Policy Claims
In one particularly intricate case, we assisted a family whose newborn had an independent insurance policy separate from the mother’s. The mother and child were covered under two different companies, leading to a series of denials and requests for additional authorization.
Our team coordinated directly with healthcare facilities, gathered medical records, verified active coverage, and clarified authorization requirements under federal guidelines.
Outcome: The newborn’s claim was successfully processed and paid, ensuring both mother and child received full coverage. This case highlights the attention to detail and persistence Houtz Insurance brings to every client — whether navigating Medicare coverage or coordinating care across multiple insurers.
Get Started Today!
Navigating Medicare doesn’t have to be complicated. Let Houtz Insurance help you compare plans, understand your coverage options, and enroll in the Medicare Advantage plan or Medigap plan that’s right for you.
Contact our licensed Medicare agents today to review your Medicare coverage and find a plan that delivers quality health care and peace of mind—at no cost and with no obligation.