Medicare
As an independent Medicare insurance broker, we work on your behalf, not the insurance companies, helping you make well-informed decisions about your Medicare options.
Medicare Insurance Guidance
As an independent Medicare insurance broker, Bantoo Insurance Agency works for you, not the insurance companies. Our job is to help you make clear, well-informed decisions about your Medicare coverage.
- Our guidance is honest, objective, no obligation, and free of cost.
- Licensed and certified Medicare agents.
- Serving Medicare beneficiaries in California, Arizona, Washington, Nevada, Texas, Florida, South Carolina, and Tennessee.
Why Work With a Medicare Insurance Broker?
- Explaining Original Medicare, Medicare Advantage, and Medigap (Medicare Supplement).
- Helping you choose a Prescription Drug Plan (Part D).
- Comparing plan benefits and premiums so you get the best value.
- Reviewing your coverage every Annual Enrollment Period (Oct 15 – Dec 7).
Medicare Planning Checklist
- Are you turning 65 or older than 65 but ready to retire, and new to Medicare?.
- Check your eligibility and which enrollment period that you will use.
- How to apply for Medicare (if you haven’t done so).
- Decide which type of secondary coverage you’d like – Medicare Supplement (also known as Medigap) or Medicare Advantage.
- Select your Prescription Drug Plan (Part D) to rest assured that you avoid Part D late enrollment penalties. Remember that many Medicare Advantage plans include Part D coverage with no additional premium.
👉 Need help with Medicare? Contact us today for free guidance.
Frequently Asked Questions
Do you only serve certain states?
We currently serve Medicare beneficiaries in California, Arizona, Washington, Nevada, Texas, and Florida — with the same no-cost guidance in each state.
Can I change my Medicare plan later?
Yes. Each year during the Medicare Annual Enrollment Period (October 15 – December 7), you can review and change your plan. We help clients compare their options every year to ensure the best fit.
Is there a cost for your Medicare guidance?
No. Our services are free to you. We’re paid by the insurance carriers, and that doesn’t affect your premiums.
Do I need a Prescription Drug Plan (Part D)?
Yes, if you take medications, you’ll want Part D coverage. Without it, you could face a late enrollment penalty later. Some Medicare Advantage plans already include Part D.
What’s the difference between Medicare Advantage and Medicare Supplement (Medigap)?
Medicare Advantage (Part C) plans replace Original Medicare and often include extra benefits like vision, dental, and prescription drug coverage. Medicare Supplement (Medigap) policies work with Original Medicare to help pay costs such as deductibles and copayments.
When should I sign up for Medicare?
You are first eligible to enroll in Medicare starting 3 months before your 65th birthday, the month of your birthday, and 3 months after — this is called your Initial Enrollment Period. If you delay, you could face penalties.