• positive review  I am so thrilled to have this selection over with. The relief is beyond description. Joann listens and talks straight. And with me if I hear or feel something is off I will politely exit the conversation. My questions and feedback were truthfully answered and at no time did I get the feeling that I was being lead, pushed or a sales pitch was happening. It was great service. Thank you and thanks for listening.

    thumb Pilan Sue Butts
    April 5, 2019
  • 5 star review  I found Joann on YouTube while researching supplemental insurance. Her videos are so easy to understand Medigap. I have been in contact via email and phone. I highly recommend watching her videos. Thank you Joann for making it easy to navigate this new chapter in my life.

    thumb Tina Hiebert
    September 19, 2018
  • 5 star review  Best decision I made going through Remdigap. I must have watched 40-50 videos from several different carriers and they mostly seemed shady. One I spoke to Joanne and walked through options, receieved some quotes she took care of the rest with absolutely no pressure. Oh yeah, her videos are clear and concise.

    thumb Joe Moynihan
    June 15, 2018
  • 5 star review  My husband and I have been researching Medigap and Part D plans for months. Once we thought we knew what we were doing, we would find out we didn’t! Lol! If we would have started here, with Joann and REMEDIGAP, it would have been painless! So thankful we found her! Watch the videos, ask ANY question, and rest assured you’ll get a competitive rate and ZERO pressure. We got a super fast response which was helpful with my work schedule. Joann is genuine, easy to talk to, has a great sense of humor! What a Godsend. Feels like good old-fashioned customer service to me. Grateful.

    thumb Angele Navares
    April 30, 2018
  • 5 star review  I came across Remedigap by chance and after reading some of the reviews I knew I had to check them out. I am so glad I did!!! So glad I had to tell anyone who will listen…hence this review. I cannot thank Joann enough for answering my questions at the 11th hour! She has, hands down, provided me with the most consise straightforward answers to my questions. Without so much as a hint of pressure in one direction or a other, so refreshing…so very important in this day and age when healthcare coverage can be dauntingly confusing! I appreciate it so much!

    thumb Elizabeth Tatge
    December 7, 2017
  • 5 star review  Phoned them “cold” – based on a local area on aging recommendation and several comments penned by Ms. Quinn on websites. Unlike ALL other agencts, only Joann refrained from asking for my commitment to by a plan through them. At the same time, Joann put some searches into play and has promised to phone me once more with additonal input. It was I who offered to write this testimonial. Withouit purchasing a policy, it is the only way I know to express my gratitude for her professional conduct and genuine concern. Thank you, Joann! PS: You can take the teacher out of the school, but you can’t take the schoolteacher away. Your videos are very clearly laid-out: like a carefully constructed lesson

    thumb Karen P. Katz
    November 7, 2017
  • 5 star review  Highly recommend REMEDIGAP videos if you want to understand the Medicare/medigap maze. Joann was thorough in her responses to my questions and requests for rates. Undoubtedly, I will be contacting this company when it is time for me to purchase a medigap policy.

    thumb Rick Graves
    September 27, 2017
  • 5 star review  Very professional and courteous service. I will have a long term relationship with this business!

    thumb Jack Broome
    May 12, 2017
  • 5 star review  This was the best thing I could have done for my self every thing was explained to me so I could make the best choice for me.And when I need help later they will be there for me .

    thumb Diane Langille-stone
    September 18, 2016
  • 5 star review  I left my Medicare Advantage HMO for a Medigap Plan N — I’m so happy I made the change. Joann was there to help me every step of the way and make the process so easy. What could have been an overwhelming situation ended up being completely stress free, thanks to Joann.

    thumb Lorraine Roche
    August 7, 2016

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Medicare Basics


Medicare Basics & Essentials
Medicare can be confusing.  We developed this page in order to provide foundational information about the basic parts of Medicare.  Once you’ve become familiar with Medicare Basics & Essentials, please take a more detailed look at Medicare Parts A, B, C, & D.

What is Medicare?

Medicare is health insurance that will cover particular medical supplies and services.  It is available to people age 65 or older; people under the age of 65 with specific disabilities; and people of any age that have End Stage Renal Disease.

What are the components of Medicare?

Medicare is broken into 4 parts.  Parts A, B, C, and D.  Each of these parts will provide health coverage in a unique way.

Medicare Part A

Part A is Hospital Insurance that helps cover some of your costs.  What does Part A cover?
1. Your inpatient care in a hospital.
2. Your care in a skilled nursing facility.
3. Hospice care.
4. Home health care.

what does medicare part a cover

Medicare Part B

Part B is your Medical Insurance that helps cover some of your costs. What does Part B cover?
1. Doctor and related health care provider services.
2. Outpatient care.
3. Home health care.
4. Durable Medical Equipment.
5. Some health preventative services.

Medicare Part C

Part C is also known as Medicare Advantage (MA).  What does Part C cover?
1. Your Part A & B coverage is now managed and run by a Medicare approved insurance company and not original Medicare.
2.  You are not automatically placed in a Part C (Medicare Advantage) plan.  It is a choice to be made by you to join a Part C or Medicare Advantage plan.
3.  Typically includes Part D (Medicare prescription drug coverage) as part of the plan.  This is known as MAPD (Medicare Advantage with Part D).

Medicare Part D

Part D is your coverage for Medicare prescription drugs.  What does Part D cover?
1.  Part D is managed and run by private insurance companies that are approved by Medicare.
2.  You are not automatically placed into a Part D plan.  Just like Part C, it is a choice to join a Part D plan.
3.  Part D plans are designed to help cover prescription drug costs.
4.  The Part D plan may help protect against increasing drug costs in the future and lower your prescription drug costs.

Medicare Supplements

Medicare pays roughly 80% of your Part A and Part B medical costs and you’re responsible for the remaining 20%.  Medicare supplement insurance plans are there to help cover that 20%.

Medicare supplements have nothing to do with Part C (Medicare Advantage) or Part D.  You will want to get a Part D drug plan if you opt for a Medicare Supplement to help with drug costs.

Please remember that when you become eligible for Medicare, you can opt for either a Medicare Supplement -or- a Medicare Advantage plan (Part C).  You are not allowed to have both.

Call (888) 411-1329 for your free consultation today!

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