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Know Your Options. Protect
Your Health. Maximize Your Benefits.
What is Medicare?
Medicare is a federal health insurance program primarily for people age 65 and older, as well as certain younger individuals with disabilities. While Medicare provides essential coverage, understanding its different parts and supplement options is key to avoiding gaps—and unexpected costs.
At Alluri FinServ, we help you navigate Medicare with confidence, so you can choose the right plan for your health needs and financial goals.
The Four Parts of Medicare
Hospital Insurance
Covers inpatient hospital stays, skilled nursing facilities, hospice, and some home health care. Most people receive Part A premium-free.
Medical Insurance
Covers doctor visits, outpatient services, preventive care, and durable medical equipment. Premiums are income-based.
Medicare Advantage Plans
Private insurance plans that combine Parts A and B, often with added benefits like vision, dental, and prescription coverage.
Prescription Drug Coverage
Helps cover the cost of medications. Plans vary in coverage, formulary, and copays.
Why Medicare Planning Matters
Avoid Coverage Gaps
Know what’s included—and what’s not—so you're not surprised by out-of-pocket costs.
Choose the Right Supplement
Medicare Supplement (Medigap) or Advantage plans help fill in where Original Medicare falls short.
Save Time and Money
The right plan can save you thousands each year in premiums, deductibles, and drug costs.
Align Healthcare with Retirement Goals
Coordinate your healthcare coverage with your income, Social Security, and overall retirement strategy.
Avoid Coverage Gaps
Know what’s included—and what’s not—so you’re not surprised by out-of-pocket costs.
Choose the Right Supplement
Medicare Supplement (Medigap) or Advantage plans help fill in where Original Medicare falls short.
Save Time and Money
The right plan can save you thousands each year in premiums, deductibles, and drug costs.
Align Healthcare with Retirement Goals
Coordinate your healthcare coverage with your income, Social Security, and overall retirement strategy.
When Should You Start?
Start exploring your Medicare options 3–6 months before turning 65. Missing deadlines can lead to penalties or limited choices.