Navigating Medicare doesn't have to be confusing. Our licensed Medicare specialists will compare every plan available in your area and help you choose the coverage that fits your health needs and budget.
Original Medicare (Parts A & B) provides a solid foundation of healthcare coverage for Americans 65 and older, or those with qualifying disabilities. However, it typically covers only about 80% of medical costs — leaving you responsible for the remaining 20%, plus deductibles, copays, and out-of-pocket maximums.
That's where supplemental coverage comes in. Whether you choose a Medicare Supplement plan, Medicare Advantage plan, or a standalone Part D prescription drug plan, the right coverage can dramatically reduce your out-of-pocket healthcare costs.
At Kelley Agency USA, we specialize in helping you understand your options and find the plan that gives you the most coverage for your premium dollar.
Compare Plans Free →We offer all three major types of Medicare coverage. Our agents will help you compare and choose the right fit.
Works alongside Original Medicare to cover the "gaps" — deductibles, copays, and coinsurance that Medicare doesn't pay. Use any doctor that accepts Medicare nationwide.
A Medicare-approved alternative offered by private insurers that bundles Part A, Part B, and often Part D into one plan. Many plans have $0 monthly premiums and include extra benefits.
Standalone prescription drug coverage that can be added to Original Medicare or a Medicare Supplement plan to help cover the cost of medications.
The most common question we hear is: "Should I get a Medigap plan or a Medicare Advantage plan?" The answer depends on your health, how often you use medical care, your budget, and whether you travel frequently.
Medicare Supplement (Medigap) is ideal for those who want the freedom to see any Medicare doctor nationwide without referrals, and who want predictable costs with minimal out-of-pocket surprises.
Medicare Advantage is a great choice for healthier individuals who want extra benefits like dental and vision, and are comfortable with a network-based plan — especially if $0 premium plans are available in your area.
Our agents will compare both options side-by-side based on your specific situation so you can make a confident, informed choice.
Let's Compare Your Options →As independent Medicare specialists, we put your needs above everything else.
We're independent agents — not captive to any one carrier. We compare plans from 20+ top-rated Medicare insurance companies to find your best option.
Our Medicare consulting services are completely free. We're compensated by the insurance carrier when you enroll — you never pay us anything.
We proactively review your plan each year during Open Enrollment to make sure you're still on the best plan as your health needs and available plans change.
Licensed in all 50 states. Whether you're in Texas, Florida, or Alaska — we can help you compare and enroll in the right Medicare plan.
Questions after enrollment? We're here. We maintain ongoing relationships with all our clients and are always available when you need us.
We'll match your specific medications against available Part D and Advantage plans to find the option that minimizes your total drug costs.
Most people become eligible for Medicare at age 65. Your Initial Enrollment Period (IEP) starts 3 months before your 65th birthday month and ends 3 months after. If you're still working and have employer coverage, you may be able to delay enrollment without penalty.
Part A covers inpatient hospital care, skilled nursing facility care, hospice, and some home health care. Part B covers outpatient care, doctor visits, preventive services, and medical equipment. Together they cover about 80% of your healthcare costs.
Part A is usually premium-free if you've worked and paid Medicare taxes for at least 10 years. Part B has a standard monthly premium (which changes each year). Additional costs depend on which supplemental plan you choose — ranging from $0/month Medicare Advantage plans to higher-premium Medigap plans with more comprehensive coverage.
Yes. The Annual Enrollment Period (AEP) runs October 15 – December 7 each year, during which you can switch Medicare Advantage or Part D plans. Medigap plans can be changed at any time, though outside of guaranteed issue periods, you may need to pass medical underwriting.
Original Medicare (Parts A & B) generally does not cover routine dental, vision, or hearing. However, many Medicare Advantage plans include these benefits as extra coverage. We can help you find a plan that includes the extras you need.
With Original Medicare and Medicare Supplement plans, you do not need a referral to see any specialist who accepts Medicare. Medicare Advantage HMO plans typically require referrals, while PPO plans usually do not.
Get a free, personalized Medicare comparison from a licensed agent. No pressure, no cost — just honest advice.
Kelley Agency USA is an independent insurance agency and is not affiliated with the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Currently we represent a number of organizations which offer Medicare products. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
