Frequently asked questions
Before you get in touch with us, there may be a few general questions that you may be worried about. But you don’t need to be at all. Take a look at our FAQs, and feel free to get in touch with us for more information.
Medicare is the federal health insurance program for:
- People who are 65 or older
- Certain younger people with disabilities
- People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD) or Amyotrophic Lateral Sclerosis (sometimes called ALS or Lou Gehrig’s disease)
The different components of Medicare help cover specific services:
- Medicare Part A (Hospital Insurance)
- Medicare Part B (Medical Insurance)
- Medicare Part D (prescription drug coverage)
Deciphering Medicare is a consulting firm with the goal to help people understand and navigate Medicare.
An Insurance Counselor is what you need if you’re not certain what type of insurance you need. Insurance Counselors do not sell insurance. They’re not allowed to get a commission or kick-back for a referral to an agent. You can be certain that any advice or counsel you get is unbiased.
Counselors and agents are not the same thing. If you work with an Insurance Counselor, you will still need to use an insurance agent. The premium for the insurance will be exactly the same as if you did not retain an Insurance Counselor.
The benefit of an Insurance Counselor is in the advice you get, not in the cost of the insurance policy. The Insurance Agent has a monetary investment in guiding you to a specific product or company.
There are three main services that we offer:
- Education
- Navigation and Guidance
- Personalized Full Service
To learn more about these services, click here.
Deciphering Medicare offers a range of packages and since they are customized to every client, there really isn’t a number that we can give you without getting to know your specific needs.
It’s quite simple! We’re here to provide knowledge and understanding of Medicare with the support needed to enable consumers to make informed decisions.
