Medicare Options Guidance
If you are approaching age 65 or already eligible for Medicare, choosing the right coverage can feel confusing. There are many plans, unfamiliar terms, and conflicting advice.
Kennon Insurance Consultants provides clear, personalized Medicare guidance to help you understand your options and make confident decisions about your health coverage.
How We Help With Medicare
Medicare is not one size fits all. Your coverage depends on your health needs, financial priorities, and whether you are still working.
Guidance includes help understanding and comparing:
- Medicare Parts A, B, C, and D
- Medicare Advantage plans
- Medicare Supplement or Medigap policies
- Prescription drug coverage
- Coverage coordination if you remain employed after age 65
Each option is explained clearly so you can decide what works best for you.
Ongoing Medicare Support
Medicare plans and benefits can change each year. A plan that works well today may not be the best option next year.
Ongoing guidance is available to help you review your coverage annually and make changes when needed. The goal is to serve as a long-term resource, not a one-time advisor.
Independent Guidance From Multiple Carriers
As independent Medicare brokers, we are not tied to a single insurance company.
This allows for objective comparisons across multiple carriers so you can choose coverage that fits your needs and budget.
Understanding Your Medicare Coverage Options
Many Medicare decisions come down to specific areas of coverage. Support is provided to help you understand how each option works and what to expect.
Medicare Supplement Plans. Medicare Supplement or Medigap plans work with Original Medicare to help cover out-of-pocket costs such as deductibles and coinsurance. These plans can offer more predictable expenses and broader provider access.
Medicare Advantage Plans. Medicare Advantage plans combine hospital, medical, and often prescription coverage into one plan. Some plans include additional benefits such as dental, vision, or hearing coverage and may use provider networks.
Prescription Drug Coverage. Prescription drug coverage plays an important role in Medicare planning. Options are reviewed to help avoid unexpected costs.
Dental, Vision, and Hearing Coverage. Original Medicare does not include routine dental, vision, or hearing care. These benefits may be available through certain Medicare Advantage plans or separate policies.
CMS Required Disclaimer – 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 your options.
Common Medicare Questions
Most people enroll during their Initial Enrollment Period, which begins three months before the month you turn 65 and ends three months after. If you are still working, enrollment timing may be different.
Medicare Advantage plans bundle coverage into one plan and usually include provider networks. Medicare Supplement plans work alongside Original Medicare and help cover out-of-pocket costs, often with greater flexibility in provider choice.
Original Medicare does not cover routine dental, vision, or hearing services. Some Medicare Advantage plans include these benefits.
It may be possible to delay certain parts of Medicare without penalty, depending on employer coverage.
Plans can change annually. Reviewing coverage each year helps ensure it still meets your needs and budget.
| “Kennon Insurance Consultants have assisted us for more than 15 years with our Health Insurance needs. They are extremely knowledgeable and investigate all options for optimal health insurance coverage. We have used Kennon Insurance Consultants in our business, for our immediate family and extended family. We have and will continue to refer family, friends and clients.” Deborah B. | “Liz Kennon at Kennon Insurance is an absolute miracle worker! When my family of four urgently needed health insurance, she stepped in and made it happen seamlessly. Her expertise, dedication, and efficiency were truly remarkable. We are beyond grateful for her help and highly recommend her to anyone in need of an insurance expert. Thank you, Liz!” Madeline D. |