Medicare
Medicare can feel complicated—but it doesn’t have to be. At Golden Meadowlark Insurance, we’re here to simplify the process, answer your questions, and help you choose the coverage that fits your life. Whether you're new to Medicare or have been enrolled for years, we’ll guide you every step of the way.
New To Medicare |
If you’re turning 65, here’s what you need to know:
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If you're already receiving Social Security or Railroad Retirement benefits, you'll likely be enrolled automatically in Part A and Part B. Your Medicare card will arrive about 3 months before your 65th birthday.
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If you’re not receiving benefits yet, you'll need to enroll yourself. You can:
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Apply online at Social Security
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Visit your local Social Security office
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Call 1-800-772-1213 (TTY: 1-800-325-0778)
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We’ll help you figure out exactly what steps you need to take, so you don’t miss a beat.
Medicare Parts -What They Cover |
Medicare has four parts, each with a different purpose:
Part A – Hospital Insurance
Covers hospital stays, skilled nursing care, hospice, and some home health care.
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Premium: Usually $0 (if you’ve paid Medicare taxes for 10 years)
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Deductible (2025): $1,676 per benefit period
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Part B – Medical Insurance
Helps cover doctor visits, outpatient care, and preventive services.
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Premium (2025): $185.00
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Deductible (2025): $257
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You pay 20% coinsurance after your deductible
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Part C – Medicare Advantage
These private plans bundle Part A, Part B, and usually Part D, often with extra benefits like vision and dental.
Part D – Prescription Drug Coverage
Helps cover the cost of your medications. Plans vary, and it’s smart to review your options each year to ensure you’re getting the best value.
Medicare Supplements (Medigap) |
Medicare Supplements help pay the out-of-pocket costs that Original Medicare doesn’t cover, like deductibles and coinsurance. These plans give you predictable expenses and peace of mind.
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Change your Medigap plan anytime (with underwriting approval).
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Find a plan that better fits your needs as your health or budget changes.
Medicare Advantage |
Looking for extra coverage? Medicare Advantage (Part C) combines your Medicare benefits into one plan, often with perks like dental, vision, and hearing coverage.
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Wyoming’s Medicare Advantage options are growing, but availability is still limited.
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Most enrollments happen during the Annual Election Period (Oct. 15 – Dec. 7).
We’ll help you compare what’s available and see if it’s the right fit for you.
Already on Medicare? |
Time for a Medicare Check-up!
Medicare isn’t “set it and forget it.” Things change—plans, prices, medications, and your health. We recommend reviewing your coverage every year to ask:
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Could I save on my Supplement plan?
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Is there a better Part D plan for my current prescriptions?
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Would a Medicare Advantage plan offer more value?
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A quick review can make a big difference. We're here to help you stay confident and covered.