Medicare Coverages

Medicare can be complicated, but you don’t have to figure it out alone. We’ll walk you through your options, explain the details, and help you find a plan that fits your health needs and budget.

What we can do for you

Making Medicare Simple

Medicare is always changing, and the choices can feel overwhelming. Every person’s needs are unique—there’s no one-size-fits-all plan. At Dabolt Insurance Agency, we work with trusted carriers to offer both Medicare Advantage and Medicare Supplement (Medigap) plans, as well as standalone Part D prescription drug coverage. Whether you’re just turning 65, already enrolled and looking to make a change, or under 65 with certain disabilities, we’ll guide you through the process step-by-step.

The Foundation: Medicare Parts A & B

Understanding Your Medicare Choices

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Part A (Hospital Insurance)

Part A is your hospital coverage. It helps pay for inpatient hospital stays, skilled nursing facility care, hospice, and some home health services. Most people don’t pay a premium for Part A if they’ve worked and paid Medicare taxes long enough.

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Part B (Medical Insurance)

Part B covers outpatient medical services—things like doctor visits, preventive care, lab work, medical equipment, and certain therapies. It comes with a monthly premium and usually covers about 80% of approved medical costs after you meet the annual deductible.

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Important Disclosure

We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Add-Ons That Pair With Parts A & B

What You Might Need Alongside Original Medicare

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Medicare Supplement (Medigap)

Medicare Supplement Insurance—often called Medigap—is offered by private insurance companies to help cover the costs Parts A and B don’t pay for, such as deductibles and co-pays. These plans are especially valuable if you want predictable costs and the freedom to see any provider who accepts Medicare. If you choose a Medigap plan, you’ll also need a separate Part D plan for prescription drug coverage.

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Medicare Advantage (Part C)

Medicare Advantage Plans, also called Part C or “MA” plans, combine your Part A and Part B coverage—and often Part D—into one plan offered by a private insurance company approved by Medicare. Many also include extra benefits like vision, dental, hearing, or wellness programs. These plans may have network restrictions, co-pays, and coinsurance, but they can offer added convenience and potentially lower premiums.

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Prescription Drug Coverage (Part D)

Whether paired with a Medigap policy or chosen as part of a Medicare Advantage plan, prescription drug coverage is essential. We’ll help you find a plan that covers your medications at the lowest cost possible.

Medicare Questions from Our Neighbors

Where do I begin?

  • Can you help me switch Medicare plans?

    Yes. We’ll review your current coverage and help you decide if a change makes sense based on your doctors, prescriptions, and budget.

  • When can I enroll in Medicare?

    Most people enroll at age 65 during their Initial Enrollment Period. There are also annual and special enrollment periods for making changes.

  • Do Medicare Advantage plans work everywhere?

    They typically have network restrictions, but some offer nationwide emergency coverage. We’ll explain what’s included before you choose.

  • Do I need Part D if I have a Medicare Supplement?

    Yes. Medigap policies do not include prescription drug coverage, so you’ll need a separate Part D plan.