Medicare Insurance Plans & Guidance
Simplifying Medicare for Seniors
Expert help comparing plans in Iowa and Nebraska
Medicare can feel overwhelming with multiple parts, deadlines, and plan choices to consider. At OIA, our independent Medicare insurance brokers make the process simple by comparing plans across carriers and explaining your options in clear, straightforward terms. We help seniors in Iowa, Nebraska, Kansas, and beyond choose coverage that fits their healthcare needs and budget. Whether you’re turning 65, exploring Medicare Advantage, or reviewing your current plan, our team offers free, unbiased guidance to help you make confident decisions.
Key Medicare Plan Options Explained
Helping you choose the right coverage path
Original Medicare (Parts A & B)
Covers hospital and medical services, forming the foundation of Medicare coverage for most seniors.
Medicare Advantage (Part C)
Explore off-market options that may better suit your needs and preferences.
Medicare Supplement Insurance (Medigap)
Helps pay out-of-pocket costs that Original Medicare doesn’t cover, such as deductibles, co-pays, and coinsurance.
Medicare Part D Prescription Plans
Provides drug coverage either as a standalone plan or as part of a Medicare Advantage plan.
Enrollment Guidance and Deadlines
We help you understand key enrollment periods so you can sign up on time and avoid late penalties.
Frequently Asked Questions About Medicare
Clear answers for seniors exploring their options
What Medicare options do I have when I turn 65?
When you turn 65, you can enroll in Original Medicare (Parts A & B) and then decide whether to add a Medicare Advantage plan or a Medigap policy with Part D drug coverage. Each path offers different benefits, costs, and provider networks. We review your health needs, budget, and local plan availability to help you make the best choice for your situation. Starting early during your Initial Enrollment Period helps you avoid gaps in coverage and late penalties.
How do I choose between Medicare Advantage and Medigap?
Medicare Advantage combines hospital, medical, and often drug coverage in one plan, while Medigap supplements Original Medicare and offers broader provider access. The right choice depends on your preferred doctors, healthcare usage, and whether you value predictable costs or flexibility. We compare both options side by side to find the best fit for your needs in Iowa or Nebraska. Our goal is to make sure your plan matches your health and financial priorities.
Can I get Medicare help near me?
Yes, our team provides local Medicare guidance in Iowa, Nebraska, Kansas, and other surrounding states. We offer in-person consultations, phone appointments, and virtual meetings to fit your preferences. As independent Medicare brokers, we compare multiple carriers to ensure you see all your options, not just one company’s plans. Our personalized approach makes it easy to find Medicare help right in your community.
Does it cost anything to work with a Medicare broker?
No, our Medicare guidance is completely free to you. We are paid by the insurance companies if you enroll in a plan, so you receive unbiased advice without added costs. Working with a broker can save you time, avoid mistakes, and ensure you choose the plan that best fits your healthcare needs. We prioritize your interests, not any specific carrier.
Can I change my Medicare plan later?
Yes, Medicare allows you to make changes during Annual Enrollment each fall and at other special times if you qualify. We help you review your coverage annually to ensure it still meets your needs and budget. Life changes, health conditions, or new plan options can all make switching beneficial. Our team walks you through the process and helps you avoid gaps in coverage when changing plans.
