Smart Choices for Seniors on Medicare

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Medicare Starter Guide

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Premier Insurance Solutions

Get the clarity you need with our free Medicare Starter Guide — written for seniors turning 65 and those already on Medicare.

What You’ll Learn Inside:

A plain-English breakdown of Parts A, B, C & D

The difference between Medicare Supplement and Advantage plans

How to avoid the #1 mistake most new enrollees make

Questions to ask before you enroll — to ensure the best coverage for you

Why DOWNLOAD?

Because Medicare is confusing. And making the wrong choice can cost you thousands over time. This simple guide walks you through the process step-by-step, so you can make confident, informed decisions.

Frequently Asked Questions

Q: How much does Medicare cost each month?

Part A is usually premium-free if you've worked enough years. Part B has a monthly premium (set by Medicare). Advantage and Medigap plans vary by carrier.

Q: What happens if I keep working past 65 and have employer coverage?

You may delay Part B without penalty if you have creditable employer coverage. Special rules apply when you retire.

Q: Do Medicare premiums get deducted from Social Security?

Yes, most people have their Part B premium deducted directly from their Social Security check.

Q: What if I miss my Initial Enrollment Period?

You may face late penalties and have to wait until the General Enrollment Period to sign up.

Q: Is there financial help if I can't afford Medicare costs?

Yes. Programs such as Extra Help (for prescription medications) and Medicare Savings Programs (for premiums and copays) may be available.

Testimonials

“Páll has for me been an advisor for Medicare supplements, which as people know can get rather complicated. Páll listens to what I need or what I want. He's always ready to give me what I'm looking for. He doesn't try to sell me anything. He tries to listen to what I want. I've been with Páll for about ten years, I guess, and could not be more pleased with his representation. Páll's a good guy. I would very much recommend him; highly!"

– Jim P.

“I was working at Walmart. My husband and I were approaching Medicare age, so I started asking my customers who they used for their supplement plans. I got a handful of recommendations, and Páll Hansen was one of them. I called all of them. Some seemed pushy, but Páll did not. My gut told me he was the one. We've been with him for several years now and I would highly recommend him."

– Beverly A.

“I would recommend Páll Hansen as an insurance agent. He isn't typical. He doesn't pressure you. He gives you information and lets you make a decision; no pressure at all. He is reliable; he's there when we need him. I feel like I can call him if I have a problem and he will do his best to get an answer and help us out. We have been with him for maybe five or six years. He is a Christian man. We do have some things in common that we find...helpful. He was just sort of a friend from the first time we met him.”