Medicare Plans


If you are on Medicare and have Part A and/or Part B, live in one of the 50 UnitedStates or District of Columbia and meet certain income and resource criteria, you may qualify for the Extra Help Program.
Through the Extra Help Program you can receive help to pay monthly premiums, annual deductibles and copayments for your prescription drugs. The Extra Help Program does not help you pay for medical bills from hospitalization or doctor visits etc.

The Extra Help program is estimated to be worth
about $5000 per year!!

You do not automatically qualify for this help which is why you need to apply. Our team of licensed health agents can help you apply today. Contact us for more information on how to apply and how to use the Extra help if you qualify.

Contact us

Medicare Advantage Plans
(MA and MAPD plans)

  • Original Medicare Part A and Part B, do not cover all the costs of hospitalization and doctor visits or outpatient care. It also does not cover prescription drugs or Part D.
  • Medicare Advantage Plans are available for eligible Medicare beneficiaries in a specific county. Where you live determined which plans you may qualify for.
  • Medicare Advantage Plans are both PPO and HMO plans.
  • Medicare Advantage Plans include coverage for hospitalization, doctor visits and with MAPD plans, prescription drugs and other additional benefits not offered by Original Medicare.
  • Medicare Advantage Plans are known as MA or MAPD plans.
  • Medicare Advantage Plans are called MA plans (no drug coverage) and MAPD plans are Medicare Advantage Plans that include Drugs (D).
Most plans are offered at

$0 monthly premium

and a maximum out of pocket limit
for the calendar year.

Most services have a copay or co-insurance. Benefits and Services beyond Original Medicare may include:

  • - Prescription drug coverage (MAPD plans)-Limited dental coverage
  • - Limited dental coverage
  • - Vision benefits including annual eye exams and allowances for glasses or contact lenses
  • - Hearing Aid allowances
  • - A quarterly allowance to order over-the-counter medications and products from a catalog. There are shipped to your home at no cost.
  • - A basic gym membership (not all gyms participate)
  • - Transportation to and from medically necessary appointments
  • - Home meal delivery service post-surgery for up to 14 days
  • - 24 hour Nurse Line
  • - Virtual Medical Visits
There are usually several options for you to choose from and we can help you compare the benefits offered by each carrier so can choose the one that you feel is best for you.
CALL US AT (800) 425-5363
or click here and we will reach out to you to set up a consultation or appointment at your home, one of our offices or on-line.
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Medicare Supplement Plans

  • Medicare Supplement plans are optional plans offered through private insurance carriers. They help pay for expenses that are not covered by Original Medicare.
  • There are several plans available and they are all known by a single letter of the alphabet such as Plan A or Plan G.

    The basic benefits for each plan are exactly the same for all insurance companies.If you enroll in Medicare Supplement Plan you will need to pay a monthly premium based on your age and sex.
  • Medicare Supplement Plans do not include prescription drug coverage. Most people who enroll in these plans, also enroll in a separate Part D plan so they have medical and hospital coverage though the Supplement and drug coverage through the Part D plan.
    If you do this, you will likely have to pay two separate monthly premiums unless you qualify for help from the government through the Extra Help program or Medicaid.
If you would like more information on Medicare Supplement Plans
CALL US AT (800) 425-5363
or click here and we will contact you with more information.
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Part D Plans

Original Medicare Plans do not include prescription drug coverage unless you are hospitalized.

Many people ask us, “How am I going to pay for my daily medications?” There are a few ways to get help paying for your prescription drugs including Part D plans, a Medicare Advantage Plan that includes drugs (MAPD) or through a government assistance plan such as Extra Help or Medicaid.

Part D plans involve paying a monthly premium (unless you receive help from the government) and offer limited assistance in paying for your prescription drugs.

There may be an annual deductible and there are several phases of coverage throughout the year wherein the percentage of the cost of your prescription drugs changes between you and insurance company.

Part D plans do not pay for all your prescription drug costs. It is a shared cost plan between you and the insurance company.

If you have a limited monthly income and very few assets, you may qualify for the Extra Help program
CALL US AT (800) 425-5363
or click here and we can explain more about this program and even help you to apply on line today!
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Chronic Special Needs Plans CSNP

Depending on what county you live in, you may qualify for a chronic special needs plan that is specifically designed to cater to those who have a specific condition such as diabetes, chronic heart disease, chronic pulmonary disease or renal disease.

Your treating physician would need to cooperate by completing the necessary paperwork documenting your specific chronic condition to the insurance company that is offering the plan.
There may or may not be a monthly premium for this plan.
These plans include prescription drug coverage.

If you have one of the chronic conditions mentioned above and would like
more information on what type of Special Needs Plan might be available in
your county, contact us
CALL US AT (800) 425-5363
or click here and we will reach out to you with more information.
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Dual Special Need Plans - DSNP

If you are a Medicare beneficiary and also on Medicaid, you may want to look into a Dual Special Needs Plan (DSNP). This is called dual, because this type of plan is only for those who are considered “dual beneficiaries.”

These types of plans offer additional benefits and services beyond what is offered by Medicare or Medicaid such as transportation, dental, hearing, vision, gym membership and other services.

If you are a dual beneficiary and would like more information on these special needs plans, contact us
CALL US AT (800) 425-5363
or click here and we will reach out to you with more information.
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Open Enrollment Ended

But you may still qualify
Hartland Insurance is not affiliated with Medicare or any other governmental agency. You are still responsible for paying your Part B monthly premium. By calling the number on the screen, you will be connected to a licensed insurance agent. No obligation to enroll. Products/plans vary by area.

We do not offer every plan available in your area. Currently we offer plans in IL, NV, and AZ. Please click here to see the number of plans we offer in each state. Any information we provide is limited to those plans we do offer in your area. Please contact, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.