Medicare Parts & Plan Benefits
Part A (Hospital Insurance)
Helps cover:
- Inpatient care in hospitals
- Skilled nursing facility care
- Hospice care
- Home health care
Part B (Medical Insurance)
Helps cover:
- Services from doctors and other health care providers
- Outpatient care
- Home health care
- Durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment)
- Many preventive services (like screenings, shots or vaccines, and yearly "Wellness" visits)
Part D (Drug Coverage)
Helps cover the cost of prescription drugs (including many recommended shots or vaccines).
Plans that offer Medicare drug coverage (Part D) are run by private insurance companies that follow rules set by Medicare.
Supplemental Coverage
Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. Medicare Supplement Insurance (Medigap) policies sold by private companies can help pay some of the remaining health care costs for covered services and supplies like copayments, coinsurance, and deductibles.
*Medicare overview sourced from Medicare. gov
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Amy is amazing to work with and has simplified my life! I have always been confused by insurance- car, house, business, horses... I could never keep track of all the details. We now have... read moreAmy is amazing to work with and has simplified my life! I have always been confused by insurance- car, house, business, horses... I could never keep track of all the details. We now have Amy organizing all of it! She proactively sends reminders and is available whenever I have questions about benefits or payments. I highly recommend her and love no longer having to worry about the details! read less
Sara -
Kevin Owens is my go-to insurance agent for all my insurance needs. He is very professional, responsive, and takes care of everything for me (which I LOVE!). Not only does he help my family and... read moreKevin Owens is my go-to insurance agent for all my insurance needs. He is very professional, responsive, and takes care of everything for me (which I LOVE!). Not only does he help my family and I insure all kinds of things, I refer him to my own customers for all of their insurance needs. The years of hard work Kevin has put in is so appreciated and I recommend him time and time again to get my clients, and myself good rates with quick and professional service! Thanks again, Kevin. read less
Paige -
I am writing this review because this company, and particularly the agent Kevin Owens are exceptional! I have worked with a number of agents throughout the years and find that Kevin is fast, knowledgeable,... read moreI am writing this review because this company, and particularly the agent Kevin Owens are exceptional! I have worked with a number of agents throughout the years and find that Kevin is fast, knowledgeable, asks prudent questions and does his research. I feel at ease that he will always ensure we have good coverage without pressure from him. If you need insurance, he's your man! read less
Trish -
Kevin Owens has been my agent for about two years. He has proven to me time and again that he truly values his clients. He remains responsive and proactive and has never yielded in his... read moreKevin Owens has been my agent for about two years. He has proven to me time and again that he truly values his clients. He remains responsive and proactive and has never yielded in his pursuit of improving my plans. He has not only repeatedly improved my rates but he has been unwavering in his tolerance of my excessive questions. I don’t quite understand everything and Kevin has always ensured I am fully appraised of my plans and how they benefit me. I will be a lifelong customer and have recommended the majority of my family as I wouldn’t stand for them not experiencing the same care and quality. I value nothing more than a reliable and trustworthy advocate In the protection of what I’ve worked so hard for. Kevin is undeniably, exactly that. read less
RBerr -
Betsy went above and beyond to help coordinate the canceling of my other policy and finding me new rates that lowered my payments in half! She has been very responsive and prompt when I’ve reached... read moreBetsy went above and beyond to help coordinate the canceling of my other policy and finding me new rates that lowered my payments in half! She has been very responsive and prompt when I’ve reached out regarding help and has gone out of her way to check in with me regarding the policy cancellation! read less
Julia -
Bettye helped me with moving all of my policies into her very capable hands and saved me money. I greatly appreciate people like her taking care of people like me. Her... read moreBettye helped me with moving all of my policies into her very capable hands and saved me money. I greatly appreciate people like her taking care of people like me. Her world makes my head swim. read less
Susan -
Kevin Owens is second to none as an insurance agent. I cannot recommend him enough! He is incredibly responsive and has an impressive breadth of knowledge around all forms of insurance. He is who I... read moreKevin Owens is second to none as an insurance agent. I cannot recommend him enough! He is incredibly responsive and has an impressive breadth of knowledge around all forms of insurance. He is who I trust to insure my personal assets, and is the resource I recommend to my family, friends and clients. read less
Nicole -
Awesome customer service! We had a fairly complex situation while changing auto plans and buying a new home. Antone was very quick to respond and provided everything we needed! Not to mention, saved us a... read moreAwesome customer service! We had a fairly complex situation while changing auto plans and buying a new home. Antone was very quick to respond and provided everything we needed! Not to mention, saved us a ton of money from our prior carrier! Highly recommend! read less
Ashley -
Working with Carlson & Associates made insuring my home and auto a painless experience. On top of that, we were able to get much better pricing on our premium due to the extra footwork and... read moreWorking with Carlson & Associates made insuring my home and auto a painless experience. On top of that, we were able to get much better pricing on our premium due to the extra footwork and research done on our behalf. Being reliable, patient and of quality expertise are all reasons why I'd recommend Carlson & Associates to my friends and family. read less
Avery -
Antone was very quick to answer all my questions and was able to get me competitive quotes and coverage where other companies couldn't provide coverage for what I was needing. I don't feel like... read moreAntone was very quick to answer all my questions and was able to get me competitive quotes and coverage where other companies couldn't provide coverage for what I was needing. I don't feel like I was getting the run around! So glad that he was referred to me! read less
Jaime -
I was referred to Amy Haugen to help me with getting health insurance upon my retirement. This situation required me to use the state health care site that she is not allowed work with. ... read moreI was referred to Amy Haugen to help me with getting health insurance upon my retirement. This situation required me to use the state health care site that she is not allowed work with. This did not deter her from assisting me to navigate the frustrating State system. She was extremely helpful and professional in her assistance. She went above and beyond in providing guidance to include additional research to ensure her advice was correct. I appreciate her professionalism and will gladly refer her to anyone who is looking for health insurance help. If you want health care assistance, I highly recommend that you give her a call. Sincerely, Brent Miller read less
brent -
Kevin Owens who is a broker at this agency is amazing with what he knows in regards to life insurance. It's obvious it's not all about him making money on a policy as he... read moreKevin Owens who is a broker at this agency is amazing with what he knows in regards to life insurance. It's obvious it's not all about him making money on a policy as he puts time into getting to know you and your needs as a client. I highly recommend him and have referred him many friends and family members. Kevin is an amazing guy. read less
Becky -
After over 30 years at State Farm I contacted Kevin Owens for a review of my insurance for my Home Cars and boat. He promptly got me quotes and explained the different coverage options. The... read moreAfter over 30 years at State Farm I contacted Kevin Owens for a review of my insurance for my Home Cars and boat. He promptly got me quotes and explained the different coverage options. The saving was considerable and the coverage was better. If I have any questions, he gets back to me immediately. I strongly recommend him for your insurance needs. read less
Peter -
I have been working with Antone Saltvick for the last 4 years and it has been a great experience. He helped me get more coverage than I had before at a better price. ... read moreI have been working with Antone Saltvick for the last 4 years and it has been a great experience. He helped me get more coverage than I had before at a better price. Whenever my insurance needs change he is quick to update my plan to the right coverage. read less
Michael -
Carlson & Associates has been my go to insurance agent for several years. They are proactive and very quick to respond to any questions and make sure that I have the best coverage and... read moreCarlson & Associates has been my go to insurance agent for several years. They are proactive and very quick to respond to any questions and make sure that I have the best coverage and prices. They have gone out of their way many times to help me and I would recommend them to anyone who is looking for great customer service. They always follow up and the service is exemplary! read less
Janet -
Absolutely stellar customer service. Quick responses on all quotes and questions, and Betsy went out of her way to help us find the best value policy while maintaining excellent coverage. She is a pleasure to... read moreAbsolutely stellar customer service. Quick responses on all quotes and questions, and Betsy went out of her way to help us find the best value policy while maintaining excellent coverage. She is a pleasure to work with! read less
Jennifer -
As the administrative director for Blackstone Construction I have the privilege of working closely with Amy Haugen. Amy has been nothing less than stellar in regards to her customer service! Amy is friendly & attentive,... read moreAs the administrative director for Blackstone Construction I have the privilege of working closely with Amy Haugen. Amy has been nothing less than stellar in regards to her customer service! Amy is friendly & attentive, and most importantly she is always diligent about going to work for Blackstone to make sure we are properly insured at the most competitive price! I highly recommend Amy if you are looking for an insurance agent! read less
Amy -
My husband and I own a small business and we have nothing but excellent things to say about working with Antone. He not only helped us with our insurance needs for the business but our... read moreMy husband and I own a small business and we have nothing but excellent things to say about working with Antone. He not only helped us with our insurance needs for the business but our personal home insurance as well. He was beyond helpful in answering any questions and was actually able to help us find a plan which will save us money. We truly appreciate this company. read less
Elizabeth -
Amy Haugen at Carlson & Associates has always provided my company with excellent customer service! She is very attentive to my needs and always prompt to respond with solutions that works for me. Her knowledge... read moreAmy Haugen at Carlson & Associates has always provided my company with excellent customer service! She is very attentive to my needs and always prompt to respond with solutions that works for me. Her knowledge in the industry allows me the confidence that I have the coverage my company needs at a competitive price. TL read less
Tommy -
Great experience dealing with Antone Saltvick for my business insurance. He came in with a better price with more coverage than any other agent I talked to. He was super responsive and quick to get... read moreGreat experience dealing with Antone Saltvick for my business insurance. He came in with a better price with more coverage than any other agent I talked to. He was super responsive and quick to get the coverage as soon as I asked him to.
I would strongly recommend. read lessPaul -
I came to these guys late on a Friday with a challenging commercial/business related insurance need and they were able to push through and get it signed by the next day and with a reasonable... read moreI came to these guys late on a Friday with a challenging commercial/business related insurance need and they were able to push through and get it signed by the next day and with a reasonable rate. They really went the extra mile. They were very professional, and had a “can do” attitude. read less
Ammon