Turning 65 or approaching retirement is an exciting milestone, but it also brings new questions about healthcare. For many, Medicare becomes the foundation of their coverage. While Medicare is designed to provide affordable healthcare for older adults, the choices can be overwhelming. Between Original Medicare, Medicare Advantage, Part D prescription drug plans, and Medicare Supplements, it’s easy to feel unsure about which path is right for you.
That’s where Hanford Insurance comes in. Our team specializes in helping individuals and families across Illinois and Iowa navigate Medicare with clarity, confidence, and peace of mind.
At first glance, Medicare looks straightforward — you enroll when you turn 65, and coverage begins. In reality, there are multiple parts and options, each with different costs, benefits, and limitations. For example:
Original Medicare (Parts A & B) covers hospital care, doctor visits, preventive services, and equipment, but leaves you responsible for deductibles and coinsurance.
Medicare Advantage (Part C) combines hospital and medical coverage, often adding extras like dental, vision, or hearing benefits.
Part D provides prescription drug coverage, which is vital if you take regular medications.
Medicare Supplement (Medigap) policies help pay the out-of-pocket expenses that Original Medicare doesn’t cover, giving you more predictable costs.
Choosing incorrectly can mean paying more than necessary, missing out on benefits, or even facing penalties if you don’t sign up at the right time.
The decisions you make about Medicare will affect not only your health coverage but also your financial security. That’s why our team provides step-by-step guidance:
Personal Consultations: We start by learning about your health needs, medications, and preferred doctors.
Plan Comparisons: We clearly explain the differences between Medicare Advantage, Supplements, and Part D plans.
Enrollment Support: We make sure you sign up at the right time to avoid penalties.
Local Knowledge: Because we live and work in your community, we know which providers, hospitals, and plans are most relevant to you.
Ongoing Service: We don’t disappear after enrollment. Each year, as plans and needs change, we’re here to review your coverage with you.
When should I enroll?
Most people enroll during their Initial Enrollment Period — the three months before your 65th birthday, your birthday month, and the three months after.
What if I keep working past 65?
You may qualify for a Special Enrollment Period later, depending on your employer coverage.
Do I really need a Supplement or Advantage Plan?
That depends on your financial comfort level. Supplements help cover deductibles and coinsurance, while Advantage plans may offer extra benefits but use provider networks.
Can I change plans later?
Yes. You can make changes during the Annual Enrollment Period (October 15 – December 7) or under special circumstances.
With so many Medicare ads and national carriers competing for attention, it’s easy to feel like just another number. At Hanford Insurance, we take a different approach. As an independent, community-based agency, we work with multiple carriers — meaning our advice is based on what’s best for you, not what’s best for a single company.
We’ve been serving Illinois and Iowa families for over a century, and we know how important it is to have someone you trust by your side when making healthcare decisions. Our goal is simple: to ensure you feel confident, supported, and well-protected as you transition into Medicare.
If you’re approaching Medicare eligibility, or if you’re already enrolled but aren’t sure you’re getting the most out of your plan, now is the perfect time to review your options. Medicare isn’t one-size-fits-all, and the right guidance can make all the difference.