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Medicare Central

Helping You Navigate Medicare With Confidence

With over 20 years of experience, Terri Yurek Insurance Services offers personalized guidance and comprehensive educational resources.

Medicare can be confusing, but we simplify things with ongoing support and a collaborative approach. Let’s find a solution that works for you.

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Introducing Plan Enroll – a consumer facing shop, compare and enroll platform

Find a Plan That's Right For You. Start Here

We Have the Medicare Information You Need

You can rely on us as your trusted advisor – this stuff is complicated, and getting Medicare coverage is a major milestone. You need access to the latest, most accurate information before beginning your journey – and we’re here to ensure you have it.

Through our relationships with affiliate partners, Terri Yurek helps clients explore all of their potential options using the most up-to-date information on Medicare plans.

Ultimately, our goal is to determine your Medicare eligibility, then make sure you receive the best possible coverage and support.

About us

LEARN – CHOOSE – ENROLL – RELAX

Medicare Advantage Plans

A Medicare Advantage Plan (like an HMO or PPO), sometimes called “Part C” or an “MA Plan” are offered by Medicare-approved private insurance companies that must follow the rules set by Medicare. If you join a Medicare Advantage Plan, you’ll still have Medicare but you’ll get your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage from the Medicare Advantage Plan, not Original Medicare. You’ll generally get your services from a plan’s network of providers.

Advantages:

  • Convenience of single plan
  • Some include prescription drug coverage for no additional premium
  • Some offer additional benefits not covered by Medicare (e.g., preventive care, vision, hearing aids, or transportation)
  • If eligible for Medicare, you cannot be denied coverage
  • If there is a premium, it is not affected by your age or health status

Disadvantages:

  • In most plans, you receive your coverage in a service area – unless it’s an emergency
  • Your access to doctors and hospitals may be limited to a specified network of local providers
  • Plan premiums and terms can change from year to year
    There are limited time periods for enrollment or plan changes
Medicare Part D Changes

Medicare Supplement Insurance

A Medigap policy is health insurance sold by private insurance companies to fill the “gaps” in Original Medicare coverage. Medigap policies pay secondary to Original Medicare and help pay your share (coinsurance, copayments, or deductibles) of the costs of Medicare-covered services. Policies are “standardized” in most states by letters A through D, F through G, and K through N.

All policies offer the same basic benefits, but some offer additional benefits. The best time to buy a Medigap policy is during your Medigap “Open Enrollment Period”. This 6-month period begins on the first day of the month in which you’re 65 or older and enrolled in Part B. (Some states have additional Open Enrollment Periods.)

Advantages:

  • Enjoy lower or zero co-pays and deductibles for Medicare A & B covered medical expenses
  • You are guaranteed the right to buy a Medigap plan during your open enrollment period
  • You can pick from various different policy options to get one that suits your needs best
  • A standardized policy is guaranteed renewable, even if you have health problems
  • Choose any doctor or hospital that accepts Medicare patients

Disadvantages:

  • Plan premiums can change from year to year
  • Older beneficiaries pay higher premiums because plans are age- rated and can go up every year. Premiums may also go up because of inflation and other factors.
  • You must purchase a separate Medicare Part D prescription drug plan if you decide you would like to add drug coverage
  • After your open enrollment period, insurers can refuse coverage or charge you a higher premium based on your health, or make you wait to get coverage for an illness you already have

Prescription Drug Plans (Part D)

Medicare Part D Prescription Drug Plans provide insurance coverage for your prescription drugs. Your Medicare prescription drug coverage can be provided by a “stand-alone” Medicare Part D plan (only prescription coverage) or a Medicare Advantage plan that includes prescription coverage (an MA-PD) that includes Medicare health and prescription drug coverage. If you join a Medicare Part D prescription drug plan, you will pay a monthly premium. This is insurance coverage for both brand-name and generic prescription drugs at participating pharmacies in your area. It provides protection for people who have very high drug costs or unexpected changes in your drug needs. Each Medicare Prescription Drug Plan has its own list of covered drugs called a formulary. Drug formularies can vary greatly from one prescription drug plan to the next, so it is key to ensure that your medications are covered by your chosen Medicare prescription drug plan before you enroll.

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Medicare Part D Plans Big Changes In 2023
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Get Expert Help Evaluating Medicare Plans

There are many types of Medicare plans, and each comes with its own coverage level, cost, and eligibility requirements. Many individuals struggle to navigate the complexities of these various choices – but we’re here to help.

Through our Medicare consulting services, we give our clients the tools to make informed decisions based on their specific healthcare needs and financial situations.

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Why Choose Our Medicare Experts?

Our deeply held company values drive our commitment to our clients. At Terri Yurek Insurance, we serve every client with a strong focus on trust, honesty, and integrity. Our goal is not to make a sale – but to help you discover the most suitable Medicare plan for your needs.

We’re real people working for real people. Our team takes pride and responsibility in their knowledge of local physicians, the availability of plan options, and cohesive relationships with our carrier partners.

When you work with our Medicare agents in CA, you can rest assured that you’re in capable hands. Partnering with a licensed agent means you get a liaison between the insurance plan and your membership to get direct hands-on support.

About us Meet Our Team

How We Assist With Medicare Enrollment

Receive expert Medicare advice through every step of the process.

Step 1

Our first step is to determine your Medicare eligibility. We will arrange an in-person consultation to discuss your healthcare requirements, financial situation, and delve into all other important aspects of your needs.

Step 2

Next, we’ll walk you through the available Medicare plans and their various provider networks. Our agents will also help you evaluate the benefits, costs, and coverage details of each option to select the plan that aligns perfectly with your requirements.

Step 3

Once you’ve selected the appropriate plan, we’ll guide you through Medicare enrollment and help you fill out all of the necessary forms. If necessary, we’ll also assist in gathering the required documentation.

Step 4

Our Medicare services don’t end once you’re enrolled. Our goal is to stay engaged with you in the long run to offer ongoing support, which can include assistance with claims, guidance on how to utilize your value added benefits, plan changes, and addressing any issues that may arise.

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Your Medicare Coverage Options

Original Medicare includes part A(Hospital Insurance) and/or Part B (Medical insurance)

Option 1

Part A

Hospital Insurance

Part B

Medical Insurance

Part D

Stand alone prescription drug plan

Medigap

Medigap

Medicare supplement Insurance plan

Option 2

Part C

A Medicare advantage plan includes BOTH part A (Hospital Insurance) and part B (Medical Insurance)

Most plans include part D Prescription Drug Coverage

Additional Benefits are often included such as vision services, hearing service, fitness membership and transportation.

Medicare Supplement Insurance does not include prescription drug coverage. If you want prescription drug coverage, you need to enroll in a prescription drug plan at the same time you enroll in your Medicare Supplement Insurance policy.

What Our Customers Are Saying

FAQs

Individuals who are 65 or older, younger people with certain disabilities, and those with End-Stage Renal Disease (permanent kidney failure requiring dialysis or transplant) are eligible for Medicare.

Medicare has four parts: Part A (Hospital Insurance), Part B (Medical Insurance), Part C (Medicare Advantage, which includes Parts A and B and often Part D), and Part D (Prescription Drug Coverage).

Original Medicare includes Part A (Hospital Insurance) and Part B (Medical Insurance) and allows you to add a Part D plan for prescription drugs and a Medigap policy for additional coverage.

Medicare Advantage (Part C) is offered by private insurers and bundles Part A, Part B, and usually Part D, often with extra benefits like dental, vision, and wellness programs.

You can enroll in Medicare online at the Social Security website, by calling Social Security, or by visiting your local Social Security office. Initial enrollment begins three months before you turn 65 and ends three months after your 65th birthday month.

At Terri Yurek Insurance Services, we offer expert guidance, personalized advice, and comprehensive Medicare counseling to help you understand your options and select the plan that best meets your healthcare needs and financial situation.

You can apply for a Medicare Supplemental Plan (Medigap) anytime, but the best time is during your Medigap Open Enrollment Period: a six-month period starting the month you turn 65 and are enrolled in Part B.

During this time, you have guaranteed issue rights. In other words, you can’t be denied coverage or charged higher premiums due to health conditions.

If you’re turning 65 within the next year, now is the ideal time to learn about your Medicare options. We’re also here to help you through insurance-related complications such as moving states, switching medical groups, or planning your retirement benefits.

Our team doesn’t just specialize in Medicare plans in CA – we’re also here to help clients assess and enroll in life and disability insurance. Additionally, we help employers enroll in benefit programs for their employees.

Yes, you can change your Medicare plan during the Annual Enrollment Period (October 15 to December 7) or during the Medicare Advantage Open Enrollment Period (January 1 to March 31) if you have a Medicare Advantage plan. Special Enrollment Periods may also apply in certain situations.

We’re here to help. You can always contact us via our website or by calling (858) 391-8544. Once we receive your message, one of our team members will reach out shortly.

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Review our Medicare and other insurance related news articles in the industry.

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Meet with one of our Medicare experts to find a plan that meets your needs

Contact us for a Personalized Medicare Consultation, a 1:1 Medicare Enrollment, or to schedule a Medicare Central Educational Seminar.

*A sales agent may call, email, or mail as a result of completing the information to discuss Medicare Advantage, Prescription Drug Plans, or Medicare Supplement Insurance.

Disclaimer: Medicare has neither reviewed nor endorsed this information.

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* 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 Medicare.gov or 1-800-MEDICARE to get information on all of your options 24 hours a day, 7 days week (except some federal holidays).