Medicare is a federal health insurance program primarily for people aged 65 and older, as well as certain younger individuals with disabilities.

Part A: Hospital insurance (covers inpatient care, skilled nursing facility care, hospice, and some home health care). Part B: Medical insurance (covers doctor visits, outpatient care, preventive services, and medical supplies). Part C (Medicare Advantage): Private insurance plans that bundle Parts A and B, often with additional benefits. Part D: Prescription drug coverage.

Most people enroll in both, but some may delay Part B if they have employer-sponsored insurance.

Medigap plans help cover out-of-pocket costs like copayments, deductibles, and coinsurance that Original Medicare doesn’t pay.

Part A: Usually free if you’ve worked and paid Medicare taxes for 40 Quarters. Part B: Monthly premium (varies by income). Part C & D: Costs depend on the private plan you choose.

Medicare Advantage (Part C): All-in-one plan that includes hospital, medical, and often drug coverage, plus extra benefits. Medigap (Supplement Insurance): Helps pay for gaps in Original Medicare but does not include drug coverage.

You can call/text us at 515-257-6663, visit our Contact Us page

Independent agents, like Pierce Insurance, help compare multiple plans, explain options, and find the best coverage for your needs at no extra cost to you.

While we are proud to be members of our central Iowa community including Des Moines, Ames, Altoona and more, with my wife and our kids being Ankeny residents. Pierce Insurance serves the entire state of Iowa, Missouri, South Dakota and many more!

Here at Pierce Insurance, we work with many names you may recognize! - UnitedHealthCare - WellMark - WellCare - Aetna - Physician's Mutual - Humana - And mroe!