medicare Services

Medicare Solutions That Keep You Covered and Confident

Navigating Medicare doesn’t have to be overwhelming. Hanford Insurance offers a range of Medicare options designed to meet your unique healthcare needs—from Prescription Drug Plans to Medicare Supplement and Medicare Advantage coverage. Whether you’re managing chronic conditions or simply planning for comprehensive care, our team is here to help you make sense of it all and choose the plan that’s right for you. With Hanford, you can enjoy your golden years with the peace of mind that comes from having reliable, accessible coverage.

Medicare Supplement

Health coverage is essential for peace of mind, and our individual health plans are designed to meet diverse needs.

Prescription Drug Plans

Offering comprehensive health benefits to employees is a crucial investment in your team’s well-being and productivity.

Medicare Advantage Plans

Vision and dental health are key components of overall well-being, yet often overlooked in standard coverage.

The Hanford Difference

OPEN COMMUNICATION

We believe in straightforward conversations that keep you informed and empowered. Our team is here to answer questions and explain your options clearly, so you always feel confident in your coverage.

Relationships Built on Trust 

At Hanford, you're more than just a policy number. We take the time to get to know you and understand your needs, building a personal connection that ensures you're genuinely cared for.

Value-Driven Options 

With access to multiple providers, we work to find you the best coverage at the most competitive rates. Our goal is to secure top-notch protection that balances quality and affordability.

Rooted in community

As a small town company, we’re invested in making our community safer and stronger. Our service goes beyond insurance, reflecting a shared commitment to support and uplift the neighborhoods we call home.

When Life Happens, We’re Here for You

For the most efficient claims processing and timely payment, we recommend working directly with your insurance carrier. However, we want you to know that you're never alone in this process. As your independent agent, we act as your advocate—not only during policy discussions but also when it comes to navigating the claims process. If you ever have questions about your claim or how your carrier is responding, we're always here to support you and ensure your insurance experience is smooth and stress-free.

Medicare insurance FAQS

Medicare enrollment typically begins when you turn 65. Your Initial Enrollment Period (IEP) starts three months before your 65th birthday and lasts for seven months (including the month of your birthday and three months after). If you miss this window, you may have to wait for the General Enrollment Period or qualify for a Special Enrollment Period based on specific circumstances, such as losing employer coverage.

Medicare Part A covers hospital stays, skilled nursing care, and some home health services. Part B covers doctor visits, outpatient care, preventive services, and medical equipment. Part C, also known as Medicare Advantage, is an alternative to Original Medicare and includes additional benefits like dental, vision, and prescription drug coverage. Part D is a standalone prescription drug plan that helps cover the cost of medications.

Medicare Supplement (Medigap) insurance helps cover out-of-pocket costs such as deductibles, copays, and coinsurance that Original Medicare doesn’t pay for. If you want predictable healthcare costs and fewer unexpected expenses, a Medigap plan can provide additional financial security. Our agents at Hanford Insurance can help you determine if a supplement plan is right for you.

Yes, you can make changes to your Medicare coverage during the Annual Enrollment Period (AEP), which runs from October 15 to December 7 each year. If you have a Medicare Advantage Plan, you can also make changes during the Medicare Advantage Open Enrollment Period (January 1 to March 31). Additionally, certain life events may qualify you for a Special Enrollment Period, allowing you to change plans outside of these dates.