Illinois Medicare Insurance. Independent Medicare Help.

Medicare is a federal health insurance program for people 65 and older, certain younger people with disabilities, and those with End-Stage Renal Disease. It includes Parts A, B, C, and D. Brawner Insurance helps you navigate all the options.

Initial Enrollment runs 3 months before you turn 65 through 3 months after. Annual Open Enrollment runs October 15 to December 7. Special Enrollment Periods apply for life events. Brawner Insurance helps you avoid late penalties.

Medicare Advantage replaces Original Medicare with a private plan, often including Part D. Medigap supplements Original Medicare to cover out-of-pocket costs. You can have one or the other, not both. Brawner explains which fits.

Original Medicare has set Part B premiums plus deductibles and coinsurance. Advantage and Medigap premiums vary. Part D drug plans add another cost. Brawner Insurance helps you compare total costs.

Most Medicare Advantage plans include Part D prescription drug coverage. If yours does not, you can add a standalone Part D. Brawner Insurance confirms your medications are covered.

Yes — as an independent insurance agency, Brawner Insurance shops your medicare insurance coverage across multiple top carriers to find the right protection at a competitive rate. We work with clients across Missouri, Iowa, Kansas, and Illinois.