Medicare
Guidance
Made Simple
Understanding Medicare can feel overwhelming.
Hill Insurance & Benefits provides personal, straightforward
guidance to help you understand your coverage options
and make an informed decision.
Whether you’re approaching age 65, retiring, or reviewing
your current coverage, you don’t have to navigate Medicare alone.
Get Clear Answers About Medicare
Medicare offers important health coverage, but understanding its different parts, enrollment periods, costs, provider networks, and prescription drug coverage can be challenging.
We take the time to learn about your needs, explain your options in plain language, and help you compare available plans based on factors that matter to you.
UNDERSTANDING MEDICARE
The Different Parts of Medicare
MEDICARE PART A
Hospital Insurance
Part A generally helps cover inpatient hospital care, skilled nursing facility care, hospice care, and certain home health services.
MEDICARE PART B
Medical Insurance
Part B generally helps cover services from doctors and other healthcare providers, outpatient care, preventive services, durable medical equipment, and certain home health services.
MEDICARE PART C
Medicare Advantage
Medicare Advantage plans are offered by Medicare-approved private insurance companies as an alternative way to receive your Medicare Part A and Part B benefits. Many plans include prescription drug coverage and may offer additional benefits.
Plan availability, provider networks, costs, benefits, and coverage rules vary by plan and location.
MEDICARE PART D
Prescription Drug Coverage
Part D helps cover the cost of prescription medications. Coverage may be obtained through a standalone Medicare prescription drug plan or included with certain Medicare Advantage plans.
Each plan has its own formulary, pharmacy network, premiums, deductibles, and cost-sharing requirements.
YOUR COVERAGE OPTIONS
Two Main Ways to Receive Medicare Coverage
ORIGINAL MEDICARE
Original Medicare includes Part A and Part B and is administered by the federal government.
People with Original Medicare may also choose to purchase:
• A Medicare Supplement insurance policy to help with certain out-of-pocket costs
• A standalone Medicare Part D prescription drug plan
• Separate dental, vision, or hearing coverage
MEDICARE ADVANTAGE
Medicare Advantage, also known as Part C, is offered through Medicare-approved private insurance companies.
These plans provide Part A and Part B coverage. Many include prescription drug coverage and may offer additional benefits that Original Medicare does not cover.
Provider networks, referrals, prior authorization requirements, premiums, copayments, benefits, and service areas vary by plan.
MEDICARE SUPPLEMENT INSURANCE
Help With Certain Original Medicare Costs
Medicare Supplement insurance, also called Medigap, works alongside Original Medicare.
Depending on the policy, it may help cover certain deductibles, copayments, and coinsurance that Original Medicare does not pay. You must generally have Medicare Part A and Part B to purchase a Medigap policy.
Medigap policies do not generally include prescription drug coverage, so a separate Part D plan may be needed.
WHO WE HELP
Personal Medicare Guidance for:
• Individuals approaching their 65th birthday
• People preparing to retire or leave employer coverage
• Medicare beneficiaries reviewing their current coverage
• Individuals who recently moved to a new service area
• People who qualify for a Special Enrollment Period
• Family members helping a parent or loved one understand Medicare
OUR PROCESS
How We Help You Evaluate Your Options
WE LISTEN
We begin by learning about your healthcare priorities, doctors, prescription medications, preferred pharmacies, budget, and current coverage.
WE EXPLAIN
We explain the available coverage paths in straightforward language, including important costs, provider networks, prescription coverage, and plan rules.
WE COMPARE
We help you compare the Medicare plan options we represent that are available in your service area.
WE PROVIDE CONTINUED SUPPORT
Our relationship does not end after enrollment. We remain available to answer questions and help you review your coverage as your needs or available options change.
ENROLLMENT TIMING
When Should You Begin Reviewing Medicare?
For most people, the Initial Enrollment Period surrounding their 65th birthday lasts seven months:
• Three months before the month you turn 65
• The month you turn 65
• Three months after the month you turn 65
Your individual enrollment timing may be different if you continue working, have employer-sponsored health insurance, qualify for Medicare due to disability, or experience another qualifying event.
Starting early gives you time to understand your choices and avoid feeling rushed.
Why Choose Hill Insurance & Benefits?
Personal Service. Clear Answers. No Pressure.
Working with Hill Insurance & Benefits means having a licensed insurance professional who will
take the time to listen, answer your questions, and help you compare your available options.
• Personal one-on-one guidance
• Clear explanations without confusing insurance jargon
• Coverage based on your individual needs and budget
• Ongoing support after your policy or plan begins
• Local service with phone and virtual appointments available
Frequently Asked Medicare Questions
Common Medicare Questions Answered for your convenience.
Do I automatically receive Medicare when I turn 65?
Some people are automatically enrolled in Medicare Part A and Part B, while others must actively sign up. It generally depends on whether you are already receiving Social Security or Railroad Retirement Board benefits before turning 65.
What is the difference between Medicare Advantage and Medicare Supplement?
Medicare Advantage is an alternative way to receive your Medicare Part A and Part B benefits through a Medicare-approved private insurance company.
Medicare Supplement insurance works alongside Original Medicare and helps pay certain costs that Original Medicare does not cover. You cannot use a Medicare Supplement policy to pay Medicare Advantage plan costs.
Do Medicare Advantage plans include prescription drug coverage?
Many Medicare Advantage plans include Part D prescription drug coverage, but plan features vary. It is important to review a plan’s formulary, pharmacy network, costs, and coverage rules before enrolling.
Can I keep my current doctors?
That depends on how you receive your Medicare coverage and the specific plan. Medicare Advantage plans may use provider networks. Before choosing a plan, we can help you verify whether your doctors and preferred healthcare facilities participate in the plan’s network.
Can I change my Medicare coverage later?
Medicare Advantage and prescription drug plans can generally be changed only during applicable enrollment periods or when you qualify for a Special Enrollment Period. The rules for obtaining or changing Medicare Supplement insurance are different and may involve medical underwriting outside certain protected periods.
Does it cost anything to speak to you?
There is no charge for an initial Medicare consultation. We’ll discuss your needs, answer your questions, and help you understand the options available through Hill Insurance & Benefits.
Let’s Make Medicare Easier to Understand
You deserve clear answers and personal guidance when making an important healthcare coverage decision.
Schedule a complimentary Medicare consultation with Kerry Hill and take the next step with confidence.
Hill Insurance & Benefits
Kerry Hill, Licensed Insurance Agent
(706) 201-9678
Serving individuals and families in Georgia and Texas
We do not offer every plan available in your area. Currently, we represent six organizations which offer multiple products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Not connected with or endorsed by the United States government or the federal Medicare program.