Medicare Plans That Protect You from Life’s Health Surprises
Understand the four main parts of Medicare and explore additional coverage options that suit your healthcare needs.
Partnering with the Best in Insurance
Understanding the Core of Medicare
Medicare is divided into four essential parts, each offering specific coverage for different healthcare needs. Here’s a breakdown of how each part works and what it covers.
Part A (Hospital Insurance)
- Coverage: Inpatient hospital stays, skilled nursing care, hospice, and some home health services.
- Cost: Usually no premium if you or your spouse have paid Medicare taxes for at least 10 years.
Part B (Medical Insurance)
- Coverage: Outpatient care, doctor’s visits, preventive services, and some medical equipment.
- Cost: Monthly premiums, with higher income leading to higher premiums.
Part C (Medicare Advantage)
- Overview: Private insurance that combines Part A, Part B, and usually Part D (prescription drug coverage) into a single plan.
- Extra Benefits: Includes vision, dental, and wellness programs not covered by Original Medicare.
- Cost: Varies by plan; additional premiums might apply.
Part D (Prescription Drug Coverage)
- Coverage: Helps cover the cost of prescription medications.
- Structure: Stand-alone plans or integrated into Medicare Advantage plans.
- Cost: Varies by plan; includes premiums and out-of-pocket costs.
Who is Eligible for Medicare?
Eligibility Criteria
- Age 65 or older
- Younger individuals with qualifying disabilities
Initial Enrollment Period (IEP)
- A seven-month window around your 65th birthday. (Icon: Calendar)
Annual Enrollment Period
- October 15 to December 7 every year for switching or enrolling in Medicare plans. (Icon: Clock)
Enhance Your Medicare Coverage with Additional Plans
While Medicare Parts A and B cover many health services, they don’t cover everything. Here are some ways to protect yourself from unexpected out-of-pocket expenses and gain access to additional benefits.
Medicare Supplement
Insurance (Medigap)
- Overview: Designed to fill gaps in Original Medicare (Parts A and B), covering expenses like copayments, coinsurance, and deductibles.
- Plans Available: Medigap plans (A-N) are standardized, making it easier to compare across insurance companies.
- Who It’s For: Beneficiaries with Original Medicare who want to reduce out-of-pocket costs.
Medicare Advantage
(Part C)
- Overview: Combines Parts A, B, and usually D into one comprehensive plan.
- Extra Benefits: Includes additional services like dental, vision, and wellness programs.
- Who It’s For: Individuals who want an all-in-one solution with added benefits.
Prescription Drug Plans
(PDP)
- Overview: Stand-alone plans for prescription drug coverage or part of a Medicare Advantage plan.
- Formulary: Each plan has a list of covered drugs, with different tiers affecting costs.
- Who It’s For: Beneficiaries of Original Medicare or Medicare Advantage who need prescription coverage.
Cancer Insurance
- Overview: A supplemental insurance plan providing additional financial protection for cancer-related expenses.
- Cash Benefits: Pays cash directly to you, covering treatment, hospitalization, or any other cancer-related costs.
- Who It’s For: Individuals concerned about cancer-specific medical expenses not fully covered by Medicare.
Meet The Owner
Hi, I’m Bruno Nascimento, and I’ve spent over a decade focusing on helping seniors secure the Medicare coverage they deserve. My work is deeply personal to me because I’ve seen how important these decisions are for aging loved ones. With Wellnest Insurance, I set out to create a service that’s not only about finding the right plan, but about being a trusted advisor for life.
Medicare can be complex, and I’ve made it my mission to stay on top of every policy change, so my clients don’t have to. I’ve worked with hundreds of seniors and their families, often staying connected for years, and nothing brings me more satisfaction than hearing how a carefully chosen plan helped them through a difficult time. I’m committed to making the Medicare process as clear and stress-free as possible.
Why Work With Us for Your Medicare Insurance Needs?
Expert Guidance
Our team of knowledgeable brokers will help you understand Medicare and make the right choice.
Personalized Service
We take the time to understand your health needs and financial situation to recommend the best options.
Wide Range of Plans
We work with multiple insurance providers to offer you a variety of Medicare plan options.
Get Your Quote in 3 Simple Steps
Experience a hassle-free process to receive your personalized insurance quote.
Schedule a Call with Bruno
Book a time that works for you to connect with Bruno directly.
Discuss Your Unique Needs
Share your specific insurance requirements and get personalized advice.
Receive a Quote in Less Than 2 Hours
Get a customized insurance quote tailored to your needs in under 2 hours.
P.S: Bruno’s services are 100% FREE of cost to you.
Trusted by Many, Loved by All
Find out why clients across the country trust Bruno with their insurance needs.
Mel K., Northbrook, IL
He was very knowledgeable about Medicare supplements and gave all options available for my needs. I felt he had my best interest in getting the best plan based on my needs. Didn’t take long to apply.
Amanda P., Venice, Venice, CA
Bruno is an honest, thorough, patient and competent agent helping with insurance needs. He has been in the business for years and this puts my mind at ease.
Char K., Houston, TX
Great experience. Happy with the rate and experience. After requesting more information, received and email with contact information. Called Bruno and he helped with findings plan that fit my needs. Easy and fast. Thank you!
Gus W., Santa Fe, NM
Bruno was very helpful in securing health insurance for both my wife and I as we moved to a new state and and needed all-new medical plans both regular and Medicare supplement. We were very happy with his service and follow-up.
Frequently Asked Questions
How many states does Wellnest Insurance serve?
I am licensed to provide insurance solutions in 30 states, allowing me to help a wide range of clients across the U.S., including Florida, Texas, California, Arizona, and many others.
Why do I need a Medicare broker?
Medicare can be confusing with its different parts and plan options. As an independent broker, I help you compare plans across multiple carriers to ensure you’re getting the best value for your health needs, without any added cost to you.
What kind of clients do you typically work with?
While I specialize in Medicare for seniors, I also work with individuals, families, and small businesses, offering solutions for health, life, dental, and vision insurance.
Are you tied to specific insurance companies?
No, I am an independent broker. This means I’m not biased toward any one insurance provider, which gives me the flexibility to offer you the best plan from various companies based on your specific needs.
How do you stay up to date with Medicare changes?
Each year, I undergo extensive training to stay current with Medicare regulations and updates. I also work directly with many national insurance companies to stay informed on their latest offerings.
What happens if I move to a different state?
If you relocate, I can help you review and adjust your Medicare plan to ensure it meets the healthcare requirements of your new state, as I am licensed in 30 states across the U.S.
Can you help with other types of insurance beyond Medicare?
Yes, I also offer life, disability, long-term care, dental, vision, and travel health insurance. My goal is to ensure you’re covered in all aspects of your life, not just Medicare.
Do you offer assistance in Spanish or other languages?
Yes, my services are available in both English and Spanish, ensuring that more people can access the information and support they need for Medicare and other insurance products.
Can I enroll in Medicare if I already have employer coverage?
Yes, but there are specific rules about how Medicare coordinates with employer coverage. I can help you understand whether it’s better to stay with your employer plan, enroll in Medicare, or opt for a combination of both.
What should I consider before choosing a Medicare Advantage plan?
It’s crucial to look beyond just premiums and think about network coverage, co-pays, prescription drug formularies, and extra benefits like dental and vision. I can guide you through these factors to find the right fit.
How do I manage my healthcare costs in retirement?
Beyond Medicare, I can help you explore supplemental plans like Medigap or long-term care insurance to protect your savings and ensure you have the coverage you need as you age.
What’s the difference between Medigap and Medicare Advantage, and which is better for me?
Medigap fills the gaps in Original Medicare, covering expenses like co-pays and deductibles. Medicare Advantage combines Parts A, B, and often D into a single plan with added benefits like vision and dental. The best option depends on your health needs and budget, and I can help you decide which makes the most sense for you.
Ready to Enroll in Medicare?
Don’t face Medicare decisions alone. Contact us today for personalized, expert guidance on choosing the right Medicare coverage to fit your needs and budget.