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(M-F 9am-5pm) to speak with a
Licensed Insurance Agent
At Linq Insurance Services, we understand that navigating Medicare can be overwhelming.
Our mission is to connect the dots between healthcare needs and Medicare plan options, offering knowledgeable guidance, tailored support, and peace of mind every step of the journey.
From understanding your Medicare plan options to exploring the best plans available, our licensed insurance agents are dedicated to making navigating Medicare smarter, simpler, and more personal for you.
At Linq Insurance Services, we understand that navigating Medicare can be overwhelming.
Our mission is to connect the dots between healthcare needs and Medicare plan options, offering knowledgeable guidance, tailored support, and peace of mind every step of the journey.
From understanding your Medicare plan options to exploring the best plans available, our licensed insurance agents are dedicated to making navigating Medicare smarter, simpler, and more personal for you.
Who is Eligible for Medicare?
You may qualify for Medicare if you meet one of the following conditions:
Age: 65 or older.
Disability: Under 65 and receiving Social Security Disability Insurance (SSDI) payments for more than 24 months.
Illness: Any age with End-Stage Renal Disease (ESRD) or ALS.
Residency: U.S. citizen or a permanent resident for at least five consecutive years.
What is Medicare?
Medicare is a federal health insurance program designed for people aged 65 and older, as well as certain younger individuals with disabilities or specific diseases such as End-Stage Renal Disease (ESRD) and Amyotrophic Lateral Sclerosis (ALS). It helps cover various healthcare costs, providing peace of mind and financial protection for millions of Americans.
Who is Eligible for Medicare?
You may qualify for Medicare if you meet one of the following conditions:
Age: 65 or older.
Disability: Under 65 and receiving Social Security Disability Insurance (SSDI) payments for more than 24 months.
Illness: Any age with End-Stage Renal Disease (ESRD) or ALS.
Residency: U.S. citizen or a permanent resident for at least five consecutive years.
What is Medicare?
Medicare is a federal health insurance program designed for people aged 65 and older, as well as certain younger individuals with disabilities or specific diseases such as End-Stage Renal Disease (ESRD) and Amyotrophic Lateral Sclerosis (ALS). It helps cover various healthcare costs, providing peace of mind and financial protection for millions of Americans.
Medicare Part A – Hospital Insurance
Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care.
Costs: No premium if you or your spouse paid Medicare taxes for at least 10 years. Deductibles and copayments apply.
Medicare Part C – Medicare Advantage
Offered by private companies, these plans include all benefits of Parts A and B and often Part D (Prescription Drugs).
Medicare Part B – Medical Insurance
Covers doctor visits, outpatient care, preventive services, and medical supplies.
Monthly Premium: $185.00 (may be higher based on income).
Annual Deductible: $257 with 20% coinsurance after deductible.
Medicare Part D – Prescription Drug Coverage
Helps cover the cost of prescription drugs.
2025 Updates:
No more Donut Hole: The coverage gap phase (Donut Hole) has been eliminated.
Out-of-pocket costs for prescription drugs are capped at $2,000 per year.
Monthly payment plan available to spread out costs throughout the year.
Understanding Medicare Parts A, B, C, and D
Medicare Part A – Hospital Insurance
Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care.
Costs: No premium if you or your spouse paid Medicare taxes for at least 10 years. Deductibles and copayments apply.
Medicare Part C – Medicare Advantage
Offered by private companies, these plans include all benefits of Parts A and B and often Part D (Prescription Drugs).
Medicare Part B – Medical Insurance
Covers doctor visits, outpatient care, preventive services, and medical supplies.
Monthly Premium: $185.00 (may be higher based on income).
Annual Deductible: $257 with 20% coinsurance after deductible.
Medicare Part D – Prescription Drug Coverage
Helps cover the cost of prescription drugs.
2025 Updates:
No more Donut Hole: The coverage gap phase (Donut Hole) has been eliminated.
Out-of-pocket costs for prescription drugs are capped at $2,000 per year.
Monthly payment plan available to spread out costs throughout the year.
Understanding Medicare Parts A, B, C, and D
Turning 65? Here’s What You Need to Know
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Turning 65 with Social Security
You will be automatically enrolled into Medicare. You will receive your Medicare card three months prior to your birthday.
If you DO NOT have Social Security when you turn 65:
You will need to sign up for Medicare.
Initial Enrollment Period (IEP):
A 7-month window to sign up for Medicare includes:
3 months before your 65th birthday month
The month of your 65th birthday
3 months after your 65th birthday month
3 Ways to Join Medicare:
Apply online at: www.ssa.gov
Call Social Security at:
1-800-772-1213
(TTY 1-800-325-0778)
to apply over the phone or to request an application
Apply at your local Social Security office
Our licensed insurance agents are here to help you navigate your options without cost or obligation.
Turning 65? Here’s What You Need to Know
).png)
Turning 65 with
Social Security
You will be automatically enrolled into Medicare. You will receive your Medicare card three months prior to your birthday.
If you DO NOT have Social Security when you turn 65:
You will need to sign up for Medicare.
Initial Enrollment Period (IEP):
A 7-month window to sign up for Medicare includes:
3 months before your 65th birthday month
The month of your 65th birthday
3 months after your 65th birthday month
3 Ways to
Join Medicare:
Apply online at: www.ssa.gov
Call Social Security at:
1-800-772-1213
(TTY 1-800-325-0778)
to apply over the phone or to request an application
Apply at your local Social Security office
Our licensed insurance agents are here to help you navigate your options without cost or obligation.
Types of Medicare Plans Linq Offers
Medicare Advantage Plans (Part C)
Includes HMOs and PPOs often bundled with prescription drug coverage (Part D).
Medicare Supplement Insurance (Medigap)
Covers costs not paid by Original Medicare, such as copayments, coinsurance, and deductibles.
Requires separate Part D coverage for prescriptions.
Medicare and Medicaid (Dual-Eligible Plans)
For those who qualify for both Medicare and Medicaid, providing coverage with little to no out-of-pocket costs.
Prescription Drug Plans (PDP)
Stand-alone plans that help cover the cost of prescription drugs.
Available for those enrolled in Original Medicare (Parts A and/or B).
Helps reduce out-of-pocket costs for medications with coverage that includes copays, coinsurance, and no deductible options.
Veteran’s Care
Health plans and services for individuals currently serving in the military or a veteran.
Chronic Special Needs Plans (C-SNPs)
Focused on beneficiaries with severe or disabling chronic conditions, offering care management.
Types of Medicare Plans Linq Offers
Medicare Advantage Plans (Part C)
Includes HMOs and PPOs often bundled with prescription drug coverage (Part D).
Medicare Supplement Insurance (Medigap)
Covers costs not paid by Original Medicare, such as copayments, coinsurance, and deductibles.
Requires separate Part D coverage for prescriptions.
Medicare and Medicaid
(Dual-Eligible Plans)
For those who qualify for both Medicare and Medicaid, providing coverage with little to no out-of-pocket costs.
Prescription Drug Plans (PDP)
Stand-alone plans that help cover the cost of prescription drugs.
Available for those enrolled in Original Medicare (Parts A and/or B).
Helps reduce out-of-pocket costs for medications with coverage that includes copays, coinsurance, and no deductible options.
Veteran’s Care
Health plans and services for individuals currently serving in the military or a veteran.
Chronic Special Needs Plans (C-SNPs)
Focused on beneficiaries with severe or disabling chronic conditions, offering care management.
Frequently Asked Questions
Ready to Get Started?
Call us today at 888-341-2420 TTY 711, Mon-Fri 9 am-5 pm PST, or fill out our Contact Form to schedule your free consultation with a licensed insurance agent. Let us help you make Medicare simple, accessible, and maximized for your healthcare needs.
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