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Your source for qualify information.
Make Medicare decisions easy with all the information at your fingertips.
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Making Medicare decisions
are all about being armed
with the proper information.
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This site is dedicated to being an informational resource to the public about Medicare. Be sure to scroll through and learn as much as you need to make an informed decision when the time comes to enroll in a plan.
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Get To Know How Your Medicare Works
Understand the costs, coverage & benefits of each plan.
Getting Started with Medicare is a 3 -step process
The process of enrolling in Medicare starts 3 months prior to your 65th birthday, and their are strict time limits to enroll. For full details see our instructions in the "Original Medicare" tab.
Call Social Security - Request to start Part A & B
Research your extra coverage options here.
Choose a plan that best fits your needs & budget.
See What The Experts Are Saying About Us
Hear directly from experts in the field.
Here are just two of many reviews left about our site.
George Owens
★★★★★
I've been a Medicare agent serving seniors in my community for the last 15 years. I have never found another site that is as informative and easy to understand as Mohring Insurance Services LLC. I send many client's here to help them better understand the process.
Jane Adams
★★★★★
Mohring Insurance Services LLC is just great! As an insurance agent, I love that I can send my clients to a site like this, where no one is pushing them to buy something or trying to compete with me. This site offers such a wealth of information that my clients become so comfortable in making their decision.
Let’s not learn the hard way,
get informed and know what
you want going into the conversation
Getting the right Medicare plan is all about understanding your own personal needs and what benefits the plans offer to fill those needs.
Learn how to decode these plan documents so you understand exactly what you're getting without having to speak to a pushy sales agent.
Knowledge is Power
BE POWERFUL!
If you are in your golden years, you deserve to be relaxing instead of stressing about fine print and stingy details. Our goal is to give you a resource that helps you to understand how Medicare plans work. Once you're armed with that knowledge, you can rest easy knowing you got a plan that's going to work for you.
Frequently Asked Questions
Here are some of the most commonly asked questions about Medicare.
Isn't Medicare supposed to be free?
Not entirely. It's sad that no one from the media ever mentions that Medicare cost money, but the truth is -- it does! The Medicare contributions you have been paying through your payroll tax all your life go towards paying for Medicare Part A only! Part B and other additional coverage comes with a cost.
Once you're on Medicare, does it cover everything?
Unfortunately not! Part A & Part B (together called "Original Medicare") do cover quite a bit, but there are some large gaps that they don't cover. One of the biggest gaps is that Part B has 20% coinsurance (meaning you will always pay 20% of the bill). This is why additional coverage such as Medicare Advantage or Medicare Supplement policies can help.
I take prescriptions. Do I need a Part D plan?
It depends on how your coverage is set up. If you have Medicare Advantage, many of those plans have prescription coverage already included in them (meaning you won't need a separate Part D plan). If you just have Part A & B, you will want to also get a Part D plan to cover your medication. Additionally, Medicare Supplement policies do not include prescription drugs, so it would be wise to get a Part D plan to cover your medications.
When can I first sign up?
Your first opportunity to get Medicare is during your Initial Enrollment Period. This period starts 3 months prior to the month you turn 65, it includes the month you turn 65, and the 3 months after your turn 65. In all, you have a seven-month window to get enrolled in Medicare.
Are there penalties if I miss the deadline?
Yes - There are two of them. If you miss the enrollment deadline, both Part B and Part D have penalties, and they both grow over time. The longer you go without this coverage, the higher the penalty will be when you eventually sign up.
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MyMedicareFacts.com is a free-to-use information website by Mohring Insurance Services LLC. All insurance agents and enrollment platforms linked to this site have their own terms and conditions.
This is a promotional communication.
Calling our phone number will connect you to a licensed broker who is trained and certified to help you review the plan options available in your area. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact MEDICARE.gov or 1-800-MEDICARE to get information on all your options.
Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day / 7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.
MyMedicareFacts.com is the web and phone-based insurance portal utilized by Mohring Insurance Services LLC. Beneficiaries may be connected by licensed insurance agents of Mohring Insurance Services LLC who are licensed to transact business as insurance agents in your state.
Not all licensed insurance agents with Mohring Insurance Services LLC are licensed to sell all products. Service and product availability varies by state. Agents of Mohring Insurance Services LLC work with Medicare enrollees to explain Medicare Advantage, Medicare Supplement Insurance, and Prescription Drug Plan options. Agents of Mohring Insurance Services LLC are licensed and certified representatives of Medicare Advantage HMO, PPO, and PPFS organizations and stand-alone prescription drug plans. Each of the organizations we represent has a Medicare contract. Enrollment in any plan depends on contract renewal.
Licensed insurance agents may be compensated based on a consumer's enrollment in a health plan. No obligation to enroll. Licensed agents cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled.
Please call our customer service number or see your Evidence of Coverage for more information, including the cost sharing that applies to out-of-network services.
Medicare has neither reviewed nor endorsed this information.
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The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientation, gender identity, or religion. To learn more about a plan’s nondiscrimination policy, please contact the plan.
For a complete list of available plans please contact 1-800-MEDICARE, TTY 711, 24 hours a day/7 days a week or consult www.medicare.gov.
Medicare beneficiaries may also enroll through the CMS Medicare Online Enrollment Center located at www.medicare.gov.
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Rates are reviewed periodically and are subject to change in your state.
Cost Estimates are based on the information entered, using data about past experiences by beneficiaries with similar attributes and the premiums and benefits provided by the plan. Actual costs may vary. Monthly medical costs are represented by annual figures divided evenly per month.
Licensed sales agents/producers may be compensated based on your enrollment in a health plan.
Medicare Supplement Plans are not connected with or endorsed by the U.S. Government or the federal Medicare program.
For plans that provide drug coverage, the formulary may change during the year.
Medicare beneficiaries may also enroll in Medicare plans through the CMS Medicare Online Enrollment Center located at https://www.medicare.gov.