Medicare Coverage Made Simple with Jeffery Insurance

Your Trusted Medicare Consultant in Arizona—At No Cost to You!

Navigating Medicare can feel like deciphering an ancient scroll, but it doesn’t have to be that way. At Jeffery Insurance, we take the time to guide you through your options, ensuring you understand your choices and select the right plan for your health and budget—at no cost to you.

With over 30 years of experience, we help individuals like you review, compare, and enroll in Medicare plans—with a touch of British charm and professionalism. Our services are completely free to you, and we’re here to answer your questions every step of the way.

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What Does Medicare Cover?

Medicare is divided into four parts, each covering different healthcare needs. Selecting the right combination ensures you get the best coverage without overpaying.

And here’s the best part—our team will help you make the right choice at absolutely no cost to you! Our licensed insurance agents here at Jeffery Insurance will take time to ask all the right questions and get to know what Medicare plan will fit in with your lifestyle.

Medicare Part A: Hospital Insurance

Think of Part A as your “room and board” coverage.

  • Covers hospital costs, but doesn’t cover everything.
  • You’ll still need Part B for doctor visits.

Covers:

  • Hospital stays (inpatient care)
  • Skilled nursing facility care
  • Hospice care
  • Some home health care

Cost:

  • Usually free if you’ve paid Medicare taxes for 10+ years

  • If not, expect to pay a monthly premium

Medicare Part B: Medical Insurance

This is where your regular doctor visits and outpatient care come in.

  • Part B works hand-in-hand with Part A to form Original Medicare.
  • You’ll need additional coverage for prescription drugs.

Covers:

  • Doctor visits & specialist appointments
  • Preventative services (vaccines, screenings, annual wellness exams)
  • Emergency medical services
  • Durable medical equipment (wheelchairs, walkers, oxygen supplies)

Cost:

  • $185/month (2025 rates) (Varies based on income)

  • Late enrollment penalties apply if you don’t sign up when eligible

Medicare Part C: Medicare Advantage Plans

An all-in-one alternative to Original Medicare, often with extra benefits!

  • Private insurance companies manage these plans.
  • Network restrictions may apply—make sure your doctors accept the plan.

Covers:

Everything in Part A & Part B, plus:

  • Prescription drug coverage (most plans)
  • Dental, vision, and hearing benefits
  • Wellness programs & fitness memberships

Cost:

  • Varies by provider—may have lower out-of-pocket costs than Original Medicare

Medicare Part D: Prescription Drug Coverage

Because no one should have to choose between their health and their wallet.

  • You must enroll separately unless your Medicare Advantage plan includes drug coverage.

Covers:

  • Prescription medications
  • Brand-name & generic drugs
  • Vaccines not covered under Part B

Cost:

  • Monthly premium varies

  • Late enrollment penalty if you delay signing up

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Why Choosing the Right Medicare Plan Matters

Many people assume all Medicare plans are the same—but they’re not. The truth is, being on the wrong plan could cost you thousands of dollars in unexpected out-of-pocket costs.

What happens if you’re on the wrong plan?

  • Higher premiums & deductibles—You might be paying more than necessary for coverage you don’t fully use.

  • Unexpected medical bills—Your plan may not cover important prescriptions, treatments, or specialists.

  • Limited doctor choices—Some plans restrict which providers you can see, leaving you stuck with fewer options.

  • Late enrollment penalties—Miss a deadline? You could be stuck with lifelong penalties that increase your Medicare costs.

That’s where we come in! At Jeffery Insurance, we take the guesswork out of Medicare. Our experienced team will:

  • Assess your current health needs & budget
  • Compare plans to find the most cost-effective option
  • Explain coverage clearly—no confusing jargon
  • Help you avoid costly mistakes & penalties

Best of all? Our services are completely free to you.

Choosing Medicare isn’t just about signing up—it’s about making sure you’re protected when it matters most. Let’s find the right plan together!

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Health Care Coverage for Retirees

Congratulations on Your Retirement!

Retirement is an exciting milestone, but it also comes with important healthcare decisions. If you have Medicare and employer-sponsored retiree coverage, you may be wondering:

  • Can I keep my retiree health plan?
  • Is my retiree coverage enough, or should I enroll in additional Medicare plans?
  • How does my plan work with Medicare Part A, B, C, and D?

Making the wrong choice could mean higher costs—or even penalties.

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Retiree Coverage vs. Medicare – What You Need to Know

As retirees leave the workforce, they usually face one of two situations:

  • 1
    Your employer’s retiree plan ends, and you must enroll in Medicare.
  • 2
    Your employer offers continued coverage, and you need to decide if it’s your best option.

Many retirees assume keeping their employer plan is always the best choice—but that’s not always true.

Potential Risks of Relying on Retiree Coverage Alone:

  • Higher premiums compared to a Medicare Advantage or Supplement plan

  • Limited prescription drug coverage, requiring separate Part D enrollment

  • Smaller provider networks, restricting your healthcare choices

  • Unexpected gaps in coverage that could cost you thousands

Why Work with a Licensed Medicare Consultant?

At Jeffery Insurance, our licensed agents help retirees like you review, compare, and enroll in the right Medicare plan—at no cost to you.

  • We evaluate your retiree health plan and Medicare options side-by-side
  • We ensure you’re not overpaying for coverage you don’t need
  • We help you avoid costly Medicare late penalties
  • We take the stress out of enrollment—so you can enjoy retirement!

Do you have questions? Let’s Chat!

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REQUEST YOUR FREE MEDICARE COVERAGE EVALUATION

Congratulations! You are just steps away from a live conversation with one of our licensed Medicare Advocates with Jeffery Insurance. Just fill out the form below to the best of your knowledge and click the submit button.

(There is no obligation to provide current carrier, providers or medications to receive a call from our Advocate team)
We will call you the next business day and welcome you. Our conversation will discuss your Medicare questions and needs. We will assist you with recommendations for the plans best suited for you in your area. Your information will never be sold and only used by our in-house team.

After you enroll with Jeffery Insurance Agency, we are here to help you with finding providers, using your benefits and much more…through our advocate team. Our services are free and we are here for you no matter what plan you enroll onto through Jeffery Insurance.