Wishing You

I'm not just your insurance broker; I'm your partner in protection, your advocate in securing peace of mind. At the heart of everything I do is my commitment to you and your family. I understand that insurance isn’t just about policies—it’s about protecting dreams, safeguarding futures, and ensuring that when life throws the unexpected your way, you have someone in your corner. Trust Ebersole Insurance to guide you with expertise, compassion, and a promise to always put your well-being first.

A Safe and Happy Holiday Season

Understanding Medicare Supplement and Medicare Advantage Plans

Medicare choices can be confusing. One of the main things to know is the difference between Original Medicare paired with a Medicare Supplement (Medigap) and Medicare Advantage plans. Many who have a Medicare Advantage plan mistakenly believe it’s a Supplement to Medicare. In reality, Medicare Advantage is not the same as getting a Medicare Supplement to fill the gaps in Original Medicare. I think much of the confusion comes from the fact that both plans use the term ‘Medicare.’ If the names were different, it would be easier to understand. Learn more

IF YOU RECEIVED A NOTICE cancelling your Medicare Advantage Plan for 2025 make sure you hold onto it. You will need it for a Medigap plan (supplemental plan).

We represent major insurance carriers, ensuring a diverse range of options for you. Our commitment is to collaborate with the top-rated carriers, delivering excellence in service.

WE OFFER
-MEDICARE & PART D PLANS
-DENTAL & VISION PLANS
-ACCIDENT INSURANCE
-FINAL EXPENSE INSURANCE
-LIFE INSURANCE

If the plan you're looking for isn't within our offerings, we'll verify its availability through our channels. Please note that the information we provide is specific to the plans we offer in your area.

ANNUAL ENROLLMENT - Oct. 15 - Dec. 7, 2024

Cancellation of Medicare Advantage Plans - if you received a letter be sure to hold onto it.

Cancellation of Medicare Supplement Plan and/or Price Increases

Several major carriers will no longer offer Medicare Advantage Plans in your area AND there will be fewer Medicare Supplement (Medigap) Plan choices available.

If you have questions, use the contact form below. We will reach out to you within 24 hours.

If you have a question about Medicare Plans, use the contact form below or call (615) 900-0602.

Hours:

M-F: 9:00am - 5:00pm CST
Sat & Sun Closed

Holiday Closures:
Thanksgiving: Nov. 28-29
Christmas: Dec. 23-27
New Year: Dec. 31 & Jan. 1-2

Medicare 2025

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More info about Medicare

Original Medicare (Part A & B) is your primary coverage. You have the option to purchase a Medicare Supplement (or ‘Medigap’) to cover the gaps. When you have a Medicare Supplement, your doctor or hospital bills Medicare first, then the rest goes to your supplement provider. What’s key here is that the specific company doesn’t matter—what matters is that your provider accepts Original Medicare. Once Medicare pays, your Medigap plan will automatically cover its share through an electronic system used by all supplement carriers. So, you don’t need to worry about whether your provider accepts your specific Medigap company. Each plan, like F, G, or N, provides the same benefits regardless of the carrier. The only difference is the premium, which can vary widely. That’s why we work with a variety of Medicare Supplement carriers to offer competitive options, as all Medigap rates increase over time.

Secondly, if you have Original Medicare with a Medigap/Supplement plan, keep in mind that you’ll need to buy a separate Part D plan for prescription drug coverage, which comes with its own premium. We offer several stand-alone Part D options to pair with your Medigap plan. As a courtesy, we also provide a free annual drug plan search for our Medigap clients. If the best Part D plan for you is one we sell, we’ll handle the enrollment for you. If it’s a plan we don’t offer, we can tell you which company to contact, or we can enroll you ourselves, but we won’t be the agent-of-record, meaning we won’t be able to assist with any issues that might come up.

Then, finally, with Medicare Advantage (also known as Medicare Part C), Original Medicare is no longer your primary coverage. Instead, you’ve chosen a private company to manage all of your Medicare benefits, often with specific co-pays. Unlike Original Medicare, these private plans can offer extra benefits that Medicare doesn’t typically provide such as: vision, dental, hearing aids, OTC vitamins, medical items (like bandaids, aspirin, medicated creams, some types of equipment, etc.), post-hospital meals for a limited time, emergency response systems, and prescription drug coverage. Most Medicare Advantage plans are $0 Premium plus the cost of Medicare Part B deducted from your Social Security payment.