Medicare Insurance Services

Comprehensive Medicare coverage solutions tailored to your needs and budget. From Medicare Advantage to ACA plans, we help you navigate all your healthcare insurance options.

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Medicare Advantage (Part C)

All-in-one Medicare coverage that often includes prescription drugs, dental, vision, and wellness benefitsβ€”all in a single plan.

What is Medicare Advantage?

Medicare Advantage plans are offered by private insurance companies approved by Medicare. These plans include everything Original Medicare covers (Part A and Part B) and often include prescription drug coverage (Part D) plus additional benefits.

Most Medicare Advantage plans have $0 monthly premiums and may offer lower out-of-pocket costs than Original Medicare. Many plans also include extra benefits like dental, vision, hearing aids, and wellness programs.

These plans are ideal for people who want comprehensive coverage with predictable costs and appreciate having all their Medicare benefits in one plan.

Medicare Advantage Benefits:

  • Often $0 monthly premium
  • Prescription drug coverage included
  • Dental, vision, and hearing benefits
  • Wellness programs and gym memberships
  • Out-of-pocket maximum protection
  • Care coordination and case management
  • Telehealth services
  • Transportation to medical appointments

Ready to Explore Medicare Advantage Plans?

Compare Medicare Advantage plans in your area and find coverage that fits your needs and budget.

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Medicare Supplement (Medigap)

Insurance that helps pay for costs not covered by Original Medicare, including deductibles, copayments, and coinsurance.

What is Medicare Supplement?

Medicare Supplement insurance (also called Medigap) is sold by private insurance companies to help pay for healthcare costs that Original Medicare doesn't cover, such as deductibles, copayments, and coinsurance.

Medigap policies are standardized, which means Plan G from one company offers the same benefits as Plan G from another company. However, premiums can vary significantly between companies.

These plans are ideal for people who want the freedom to see any doctor who accepts Medicare, prefer predictable healthcare costs, and want comprehensive coverage for Medicare gaps.

Medicare Supplement Benefits:

  • See any doctor who accepts Medicare
  • No network restrictions nationwide
  • Covers Medicare deductibles and copays
  • Predictable monthly premium
  • No prior authorization required
  • Guaranteed renewable coverage
  • Travel coverage outside the US
  • Works with Original Medicare

Interested in Medicare Supplement Insurance?

Find the right Medigap plan to fill the gaps in your Medicare coverage.

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Part D Prescription Drug Plans

Standalone prescription drug coverage that works with Original Medicare to help lower your medication costs.

What is Part D Coverage?

Medicare Part D provides prescription drug coverage through private insurance companies. These plans are designed to work alongside Original Medicare and Medicare Supplement plans to provide comprehensive prescription drug benefits.

Part D plans have formularies (lists of covered drugs) and different cost structures. It's important to choose a plan that covers your specific medications at the lowest cost to you.

These plans are essential for people who take prescription medications regularly and want to avoid the Medicare Part D late enrollment penalty.

Part D Plan Benefits:

  • Lower prescription drug costs
  • Coverage for generic and brand drugs
  • Mail-order pharmacy options
  • Coverage in the Medicare donut hole
  • Catastrophic coverage protection
  • Pharmacy network flexibility
  • Specialty drug coverage
  • Works with Medicare Supplement

Need Prescription Drug Coverage?

Find a Part D plan that covers your medications at the best price.

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ACA Health Insurance Plans

Comprehensive health insurance for individuals and families under 65, including marketplace plans and private options.

What are ACA Health Plans?

ACA (Affordable Care Act) health insurance plans provide comprehensive health coverage for individuals and families who don't have access to employer-sponsored insurance or Medicare. These plans include essential health benefits and preventive care.

ACA plans are available through the Health Insurance Marketplace and may qualify for premium tax credits and cost-sharing reductions based on your income and household size.

These plans are ideal for self-employed individuals, early retirees, families between jobs, or anyone who needs individual health insurance coverage.

ACA Health Plan Benefits:

  • Essential health benefits coverage
  • Preventive care at no cost
  • No pre-existing condition exclusions
  • Premium tax credits available
  • Cost-sharing reductions
  • Prescription drug coverage
  • Mental health and substance abuse
  • Maternity and newborn care

Need Individual Health Insurance?

Find ACA health insurance plans that fit your needs and budget.

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Medicare Options Comparison

Feature Medicare Advantage Original Medicare + Supplement
Monthly Premium Often $0 Medicare Part B + Supplement premium
Doctor Network Network restrictions Any doctor who accepts Medicare
Prescription Drugs Usually included Requires separate Part D plan
Extra Benefits Often includes dental, vision Medical coverage only
Out-of-Pocket Maximum Yes, annual limit Varies by supplement plan
Travel Coverage Limited outside network area Nationwide + international

Why Choose Janowski Insurance Services?

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Expert Guidance

Licensed Medicare specialists with over 10 years of experience helping clients find the right coverage for their needs and budget.

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No Cost to You

Our services are completely free. We're compensated by insurance companies, so you get expert advice at no charge.

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Nationwide Service

Licensed in all 50 states with access to plans from leading insurance carriers nationwide.

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Ongoing Support

We're here for you beyond enrollment with plan reviews, claims assistance, and annual coverage optimization.

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Fast Response

Quick turnaround on quotes and enrollments with same-day responses to your questions and concerns.

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Trusted Advocate

We work for you, not the insurance companies. Our goal is finding the best coverage for your specific situation.

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