Medicare

How does Medicare work?
There's plenty of online information on how Medicare works. I actually prefer the official source: Medicare.gov
New! Listen to me on radio explaining Medicare!
Then call me. I like to say I can condense the entire Medicare & You book down to 6 minutes. We can then talk through your questions, and what you feel is the best option for you, based on your personal situation
206.643.8466
Jennifer@sprague-insurance.com
Definitely contact me for all the insights NOT found online
This is where I am your invaluable navigator. I will explain clearly to you:
How to sign up if you're turning 65 or leaving company insurance. How to appeal IRMAA, the income surcharge
Plans, formularies, Medicare rules change every single year. I am trained, I research the details
Medical and hospital treatments are standardized, but extras like dental, chiropractor, gym membership* are not
Special rules and circumstances in WA that impact Medicare decisionmaking
“Not all plans offer all these benefits. Availability of benefits and plans varies by carrier and location. Deductibles, copays and coinsurance may apply.”
"I do not offer every plan available in your area. Currently I represent 10 carriers which offer 30 plus products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program* to get information on all of your options." *I started my career as a State Health Insurance Benefits Advisor (SHIBA/SHIP) advising 1000s of clients and PEBB retirees for the Office of Insurance Commissioner. Fun fact: be proud - it was Washington State that founded the SHIP program, and it is now replicated in every state!