Your Medicare Brokerage

No Cost Services To Help You Find The Best Medicare Coverage For Your Needs

If you are an American Citizen and you have turned 65 or older, then you have the option to enroll in Medicare. Medicare Parts A and B (often times referred to as Original Medicare), cover some of your basic hospital and doctor expenses. Original Medicare leaves a lot of out of pocket. Medicare supplements or Medicare Advantage plans can protect you from expenses that are not covered effectively. We have years of experience helping our clients understand what Original Medicare does and does not cover and finding what plan options make the most sense for their particular circumstance.

Medicare Health Insurance Definitions


A payment, often monthly, to an insurance plan to receive coverage


The amount you must pay for your health care before your insurance provider begins to pay


A fixed percentage paid by the beneficiary for the services provided


A fixed dollar amount paid for the services provided by the beneficiary

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Medicare 101

What is Medicare?

Medicare is a health insurance program for:

  • People age 65 or older.
  • People under age 65 with certain disabilities.
  • People of all ages with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant).

Medicare Updates for 2022

  • Part B Premium in 2022 = $170.10 for most Americans
  • Part B Deductible in 2022 = $233 annual deductible
  • Part A Deductible in 2022 = $1,556 deductible per hospital admission
Medicare Enrollment

Enrollment Opportunities

Initial Election Period for Part C & D

When you first turn 65 (or become eligible for Medicare prior to age 65 through special circumstance) and have enrolled in Part A & B of Medicare, you will have a 7-month window to enroll in a Medicare Advantage Plan (Part C) or Prescription Drug Plan (Part D). This 7-month window is the 3 months prior to your Part A & B starting, the month they take effect, and the 3 months following that effective month.

Open Enrollment for Medigap

If someone would like to purchase a Medigap Plan (Medicare Supplement) instead of a Medicare Advantage Plan, they have a 6 month “Open Enrollment window” starting the day their Part B takes effect where they can do so without being subjected to medical underwriting by an insurance carrier. Medigap Plans can also be purchased at any time throughout the year, but they would be subject to underwriting if outside of the Open Enrollment.

Annual Enrollment Period (AEP) for Part C & D

For Medicare Recipients that have Medicare Part A and/or Part B they are eligible to enroll into or change their Medicare Prescription Drug Plan (Part D) between October 15th and December 7th and all those enrollments will take effect on January 1st.

For Medicare Recipients that have Medicare Part A and Part B they are eligible to enroll into or change their Medicare Prescription Drug Plan (Part D) or Medicare Advantage Plan (Part C) between October 15th and December 7th and all those enrollments will take effect on January 1st.

Medicare Advantage and Prescription Drug Plans change from year to year, so it’s a good idea to check with us to see if there is a new plan that might save you money and/or get you additional benefits that you are entitled to!

When are the Open Enrollment Periods?


The annual open enrollment period (AEP) is October 15th-December 7th and all plans will take effect January 1st.  Medicare recipients can add, switch, or drop a plan.  You are also allowed to enroll in as many plans as you want and typically the last enrollment completed during the enrollment period will be the one that goes into effect January 1st of the following year.

Open Enrollment for Medigap

If someone would like to purchase a Medigap Plan (Medicare Supplement) instead of a Medicare Advantage Plan, they have a 6 month “Open Enrollment window” starting the day their Part B takes effect where they can do so without being subjected to medical underwriting by an insurance carrier. Medigap Plans can also be purchased at any time throughout the year, but they would be subject to underwriting if outside of the Open Enrollment.

Long Term Care Facility

Are there times I may be able to enroll outside the enrollment periods? 

Talk with someone about the following:

  • If you have a qualifying chronic conditions
  • If you have a low income subsidy or Medicaid
  • If you’ve moved to a new zip code  
  • Changing to a plan with a 5 star rating
  • Change in extra help or Medicaid 
  • Leaving group coverage or retirement coverage
  • If you have VA benefits
  • If you move into or out of a Long-term care facility or skilled nursing facility.

Medicare Supplement vs Medicare Advantage

Medicare Supplement Insurance Plans are also called Medigap Plans. These types of policies can help with the cost of your deductibles, copayments, coinsurance and excess charges depending on the coverage you choose, as there are several different Medigap options. Medicare Supplements are more “pay up front” with a higher monthly premium and very little cost as you use them. Medicare Supplements follow the coverage and freedoms of Medicare, meaning they work the same everywhere in the US and are not a network-based type of coverage.

Medicare Advantage Plans will minimize your overall risk, while keeping your monthly costs at a minimum due to being a network-based type of coverage. Medicare Advantage plans are more “pay as you go” with little to no monthly premium, but have copays for most services and feature a cap on your maximum out-of-pocket expenses. Medicare Advantage plans also typically include additional benefits at no extra cost that are not included with traditional Medicare coverage (Part A & B). Those benefits can include dental, vision, hearing, transportation, over-the-counter allowance, free gym membership and even a Part B premium reimbursement.

Ambulatory Services

What are the Parts (A) and (B) referenced in Medicare?


  • Inpatient care including skilled nursing facilities
  • Hospice care



  • Doctor Services (Not Routine Physicals)
  • Outpatient Surgeries
  • Diagnostic Tests
  • ER Visits
  • Ambulatory Services
  • Durable Medicare Equipment (like wheelchairs, walkers, hospital beds)
  • Outpatient Mental Health
  • Outpatient Physical and Occupational Therapy
  • Speech/Language Therapy

Benefits with most Medicare Advantage Plans

  • Preventive and Comprehensive Dental
  • Hearing
  • Vision
  • Fitness Program
  • Home Delivered Meals
  • Over-the-Counter (OTC) Allowance
  • Telehealth Services
  • Insulin Savings Programs
  • Mail Order Prescription Discounts

Some Additional Benefits in Dual Special Needs Plans

  • Routine Transportation
  • Healthy Foods Benefits
  • Dental/Vision/Hearing Flex Cards
  • Utility Assistance/Cash Cards


What states are Apollo licensed for Medicare?

Apollo is licensed in 7 states for Medicare. These states include: Missouri, Kansas, North Carolina, South Carolina, Florida, Georgia, and Texas.

Apollo Medicare Map

What carriers are Apollo licensed with for Medicare?

Apollo is licensed with Aetna, Blue Cross Blue Shield KC, Centene –  Wellcare, Allwell, Ascension, Healthnet, Cigna – Cigna Arlic, United Healthcare – AARP, Mutual of Omaha, and National General.

FAQ with Medicare


I’m about to turn 65—WHAT DO I DO?

If you are currently collecting Social Security Income (SSI) congratulations you will be automatically enrolled in Original Medicare—parts A & B.

If not then you will need to actively sign up by the following:

  • Calling the social security office
  • Going to and applying online
  • Visiting your local social security office in person
Payment for Medicare

How much will I pay for this coverage?

For most Americans, Medicare Part A will have no monthly premium—If you’ve worked 40 quarters paying into medicare OR  you were married for 10 years to a spouse that worked and paid in during 40 quarters even if you are not currently married to them.

Medicare Part B for most Americans will be around $170.10 per month. If you are drawing Social Security already, the premium can be taken out automatically before you receive your Social Security Check.

Some Americans may elect to defer getting Part B if they are still covered under an employer (or Spouse’s employer) group health plan. Employer Group Health Plans are not always the right fit for clients so we can help you ensure you are not over spending.

If you do not elect to get Part B when you are first eligible, and you are not covered on an Employer Group Health Plan you may incur a late enrollment penalty when you do elect to get Part B.

I received my medicare card. Is it important?

Yes!  Your medicare number is what allows someone to determine your current plan and enroll you into any additional plans.  Up until 2018 it was your social security number.  If you are looking at one with your social security number on it then that number has changed…you will want to find one that is a combination of letters and numbers.

I’ve got original Medicare A&B—does mean I don’t need to pay attention anymore?

Unfortunately while original medicare is cheap to have your out of pocket expenses are substantial.  Generally speaking you are covering 20% of costs.  More often than not, top carriers may offer plans that are low cost or no cost plan with more applicable benefits.

On the Phone with a Broker

Why should I talk to a broker?

First and foremost the services of the broker are ABSOLUTELY FREE. Your broker will have access to dozens of top rated carriers to find that plan that suits you.  This can all be done over the phone in the convenience of your house.  There will be no need to spend hours filling out paperwork and everything you need to get started can be sent right to your doorstep.


When it comes to Medicare, there are lots of questions—and good answers are hard to come by. We are here to be your advocates for comprehensive health care solutions. We are here to guide you through the process of your transition to Medicare. From the time you or a family member is curious about eligibility and how to move forward, we’ll help to ensure you have the best coverage for your needs.
Understanding Medicare
Medicare Coverage


At Apollo, we understand what family means to you, and we do everything possible to help you plan for the best and worst case scenarios of your future. We want to get to know you, your story, and your family. Medicare can be confusing and overwhelming. We are here to make it simple for you and your family. We are a solution hub for everything Medicare and strive to meet the unique needs of each member of the Apollo family.

Contact Apollo Today!

After breaking down all your Medicare questions, we would love to help you out in any way possible. If you are looking for help with your health insurance needs or Medicare needs, give us a call!

Contact Us

By providing your contact information, you are granting permission for a licensed sales agent to contact you by phone, mail, or email to answer your questions or provide additional information about Medicare Advantage Plans, Medicare Prescription Drug Plans and Medicare Supplement Insurance

Schedule Your Free Consultation To Get Personalized Medicare Help

What To Expect On Your Call With An Advisor


  • Enroll correctly which means you will avoid penalties
  • Understand your coverage so you aren't surprised by any unexpected out-of pocket expenses.
  • Avoid selecting a plan with limited coverage which means you can be confident in your decision.
  • Save time with our simplified process so you can spend more time doing what you enjoy.
  • Receive unbiased advice from our independent guides that work for you, not an insurance company.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact or 1-800-MEDICARE to get information on all of your options 24 hours a day, 7 days a week. Please note that each insurer has sole financial responsibility for its products.
Not connected with or endorsed by the U.S Government or the federal Medicare program. This is a solicitation of insurance. A licensed insurance agent/producer may contact you. Apollo Insurance Group represents Medicare Advantage (HMO, PPO, PFFS, and PDP) organizations with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.

Individual Health Insurance

Insurance can be complicated. Between the dozens of providers, changing laws, different kinds of insurance, and so many options, it's a challenge to navigate and find the best plan for your budget and needs.

That's where an insurance broker can help. Apollo are the experts in health insurance and will fight for you. There's no extra cost to you and you'll have an insurance person to always turn to.

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Group Health Insurance
Do you want to provide an affordable insurance option for your employees?

Or maybe your employees are already insured but the cost has increases. It may be time to shop for a better group plan. Having health insurance through an employer is an additional way to acquire and keep talent. Connect with Apollo to find the best group insurance plan for you and your employees.

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Life Insurance
Let's be honest, we often don't think about the extremes of what could happen in life. Life insurance is the least purchased kind of insurance even though plans start at only a few dollars a month. If you want to make sure your family is taken care of, this simple insurance can have a huge effect in case of death.

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Dental Insurance

A good smile can be worth a million dollars.

Everyone can benefit to good oral care and the cost of emergencies can be quite large. Luckily there are flexible dental insurance plans for everyone. Contact us to get a dental plan that works for your budget.

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Vision Insurance

Our eyes are one of our most precious organs, and we only have two, so proactive protection and care is key to maintaining these vital organs! Particularly for children, they don’t yet know how beautiful the world is through perfect vision, it is our responsibility as parents and caretakers to be in-tune with the world through their eyes. On the flip side, as we age our eyes do as well, and thus the frequency for vision checks increases exponentially.

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