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You Deserve MORE Coverage. MORE Savings. MORE Options and MORE HELP!

Get MORE Today!

248-983-5157

You Deserve MORE Coverage. MORE Savings. MORE Options and MORE HELP!

Get MORE Today!

248-983-5157

About Us

Why work with us?

As your insurance broker we are here to help you understand the ins and outs of Medicare and navigate your options. Because we partner with multiple insurance carriers we can help you find a health plan that best meets your needs!

Assessing Need

Why work with us?

We can take a look at your needs, help you explore your options, and help you decide on an affordable plan with confidence and with no obligation to enroll, saving you time and money.

Trusted Service

Why work with us?

Trusted Service

Lean on us to keep you informed on all changes and benefits. We provide year round support for the life-time of your policy. We are ready to answer your questions and address your needs. We are available via text, phone, email, zoom and/or in-person.

Frequently Asked Questions

Q. Do you qualify for Medicare or do you have to enroll when you turn 65, even if you are covered under a group plan?

A. You may qualify for Medicare two ways:

by drawing social security disability benefits for at least two years
by turning 65 and having worked enough to earn proper credits

You don’t have to enroll in Medicare when you turn 65 if you are still covered by a credible group plan by an employer.

Q. If you are enrolled or looking to enroll in Medicare part A & B, do you still need prescription drug coverage (Part D) even if you don’t currently take any prescriptions?

A. Yes – by law if you are enrolled in Medicare Part B, you have 63 days to enroll in Part D Prescription Drug Coverage or you may be penalized.

Q. What Medicare option is best for you now and in the future?

A. There are many determining factors but what it really comes down to is your health and budget. There are many plan options for you in both cases that we can assist with.

Q. Can you switch your plan or enroll in Medicare anytime of the year??

A. Typically, changes to Medicare Advantage Plans or Prescription Drug coverage can only be made during the Annual Election Period (Oct 15 – Dec 7). It may come down to several factors that allow for enrollment or changes outside of AEP. Are you aging into Medicare (turning 65)? Did you recently move or lose health care benefits from an employer? Do you qualify for Low Income Subsidy? The answers to these questions will determine your eligibility for changes to your plan.

Here is a quick overview of Medicare health plans

Original Medicare Part A and Part B —

Together, Medicare Part A (hospital insurance) and Part B (medical insurance) comprise Original Medicare. Qualifying for Original Medicare allows you to get coverage for hospitalization and outpatient care costs. However, there are a number of costs that Medicare Part A and B do not cover, such as prescription costs, co-pays, and more. You may qualify for Original Medicare if you are receiving social security benefits or if you are under 65 and have a medical disability.

Medicare Advantage (Part C)

This health plan offers you an alternate way to receive the benefits of Original Medicare. The only difference is that when you enroll in a Medicare C plan, a private health insurance company pays for your coverage instead of the government. There are several Medicare Advantage plans available to the senior citizens of Michigan that offer additional benefits, such as coverage for routine dental or eye checkups, prescription drug costs, and more.

Medicare Supplement (Medigap)

If you are unable to afford the out-of-pocket expenses and premiums associated with Original Medicare, you may want to opt for a Medicare Supplement plan, which offers you coverage for some of the costs not covered under Original Medicare, such as copayments, deductibles, and other out of pocket costs.

Medicare Prescription Drug (Part D)

These plans add prescription drug coverage to your Original Medicare plan, allowing you to avoid the out-of-pocket expenses associated with prescription medicines. Medicare Part D plans are best suited for you if you regularly use different medicines for the management of a chronic medical condition, such as diabetes or hypertension.

Contact Us

By filling out this form with my e-mail address or telephone number, I agree to allow a licensed sales representative to contact me regarding information related to Medicare health plans and health insurance plans, products, services and/or educational information related to health care.

By providing a telephone number and submitting this form you are consenting to be contacted by SMS text message. Message & data rates may apply. You can reply STOP to opt-out of further messaging.

Advantage Insurance Advisors, LLC

(248)-983-5157 ruben@agencyaia.com

Hours

Monday - Friday: 9am - 5pm

Saturday: Appointment Only

Sunday: Closed

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 (TTY users should call 1-877-486-2048) open 24/7 to get information on all of your options.

© 2023 Advantage Insurance Advisors, LLC is an Independent Insurance Agency in Michigan that is not represented nor endorsed by CMS or Medicare. (AIA) complies with CMS guidelines and does not discriminate on the basis of race, color, national origin, age, disability, or sex. For plan specific information a licensed benefit consultant can set future appointments. There is no obligation to enroll and all information is at no cost. For accommodation of persons with special needs at meetings call 248-983-5157 or TTY 711.

You Deserve MORE Coverage. MORE Savings. MORE Options and MORE HELP!

You Deserve MORE Coverage. MORE Savings. MORE Options and MORE HELP!

About Us

Why work with us?

Why work with us?

Why work with us?

Assessing Need

Why work with us?

Why work with us?

Trusted Service

Why work with us?

Trusted Service

Our Team

Ruben R.

Our Partners

Frequently Asked Questions

Here is a quick overview of Medicare health plans

Contact Us

Advantage Insurance Advisors, LLC

Hours

Schedule Meeting

Reviews

You Deserve MORE Coverage. MORE Savings. MORE Options and MORE HELP!

You Deserve MORE Coverage. MORE Savings. MORE Options and MORE HELP!

About Us

Why work with us?

Why work with us?

Why work with us?

Assessing Need

Why work with us?

Why work with us?

Trusted Service

Why work with us?

Trusted Service

Our Team

Ruben R.

Our Partners

Frequently Asked Questions

Here is a quick overview of Medicare health plans

Contact Us

Advantage Insurance Advisors, LLC

Hours

Schedule Meeting

Social

Reviews

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