Medicare
We make Medicare easy to understand and even easier to act on.
Whether you’re enrolling for the first time or comparing plans during open enrollment, Medicare can feel like a lot. That’s where we come in. At The Lapeer Agency, we’ll walk you through what’s available, explain how different parts work together, and help you choose a plan that makes sense for your health, lifestyle, and budget.
No hard sales. No call centers. Just personal service from a licensed Michigan agent who’s on your side.
What Medicare Can Cover
Here’s a quick breakdown of Medicare and the options we can help you explore.
Original Medicare (Parts A & B)
Hospital stays, doctor visits, preventive care, and medical services.
Medicare Advantage (Part C)
All-in-one plans that often include extra benefits like dental, vision, and prescriptions.
Prescription Drug Plans (Part D)
Standalone coverage for medications not included in Original Medicare.
Medicare Supplement Plans (Medigap)
Helps pay out-of-pocket costs like copays, coinsurance, and deductibles not covered by Original Medicare.
You’ve got questions. We’ve got answers.
Here are a few of the most common Medicare questions we hear from Michigan clients.
When should I enroll in Medicare?
You’re first eligible to enroll during your Initial Enrollment Period—three months before, the month of, and three months after your 65th birthday.
Can I keep my doctor with a Medicare Advantage plan?
Possibly. It depends on the specific plan’s network. We’ll help you review which providers are covered before you enroll.
What’s the difference between Medigap and Medicare Advantage?
Medigap helps fill the cost gaps in Original Medicare. Medicare Advantage replaces Original Medicare with a bundled plan that may include extra benefits.
Do I need a separate plan for prescriptions?
If you choose Original Medicare without a Medicare Advantage plan, you’ll likely need a standalone Part D plan for prescription coverage.