What is Medicare and how does it work?

Medicare is a federal health insurance program that provides coverage for people over 65, certain younger people with disabilities, and those with end-stage renal disease. It works by paying for a portion of your medical expenses, such as hospital stays and doctor visits, after you pay your deductible and coinsurance.

What are the different parts of Medicare, and what do they cover?

There are four parts of Medicare: Part A covers hospital stays, Part B covers doctor visits and other outpatient services, Part C (also known as Medicare Advantage) is an alternative to Original Medicare and offers additional benefits, and Part D covers prescription drugs.

How do I enroll in Medicare, and when is the best time to do it?

You can enroll in Medicare during your Initial Enrollment Period (IEP), which is the seven-month period that begins three months before your 65th birthday month. You can enroll online, by phone, or in person at a Social Security office. If you miss your IEP, you may have to pay a late enrollment penalty.

What is Medicare Advantage, and how does it differ from Original Medicare?

Medicare Advantage is a type of health plan offered by private insurance companies that provides all the benefits of Original Medicare (Parts A and B), as well as additional benefits like dental, vision, and hearing coverage. Medicare Advantage plans often have lower out-of-pocket costs than Original Medicare, but you may be limited to using providers within the plan's network.

What prescription drug coverage options are available under Medicare?

Medicare Part D is the prescription drug coverage option under Medicare. It is offered by private insurance companies and provides coverage for both brand-name and generic prescription drugs.

How can I access additional benefits, such as dental, vision, and hearing coverage, through Medicare?

Original Medicare does not cover routine dental, vision, or hearing care, but some Medicare Advantage plans may offer these benefits. You can also purchase a standalone dental, vision, or hearing plan or enroll in a Medicare Supplement (Medigap) plan that covers these services.

What is a Medicare supplement plan, and how can it help me cover out-of-pocket costs?

A Medicare Supplement (Medigap) plan is a private insurance plan that helps pay for some of the out-of-pocket costs associated with Original Medicare, such as deductibles, copayments, and coinsurance. There are several different Medigap plans available, each offering different levels of coverage.

How can I get help paying for Medicare premiums and out-of-pocket costs?

You may be eligible for assistance with Medicare premiums and out-of-pocket costs if you have a low income or limited resources. Programs like Extra Help and Medicare Savings Programs can help you pay for Medicare Part D premiums, deductibles, and coinsurance. You can apply for these programs through your state's Medicaid office or Social Security office.

As an insurance agent, I earn money from insurance companies when a policy is sold. As an Amazon Associate, I earn from qualifying purchases.

Thomas Marchant

Your Trusted Health
& Medicare Insurance Agent
in Waipahu, Hawaii

Helping you with your Medicare insurance needs…at no cost to you!

When it comes to Medicare insurance, you want a trusted agent who can help you find the right plan that meets your specific healthcare needs.

That’s where I come in – Thomas Marchant, your licensed and independent Medicare insurance broker in Waipahu, Hawaii.

Let me help you navigate the complex world of Medicare insurance and find the best plan for you, at no cost to you!

As an independent Medicare insurance broker, I have years of experience in the insurance industry, and I offer personalized service that is tailored to your specific needs.

Whether you’re new to Medicare or looking to switch plans, I can guide you through the process and help you make an informed decision.

My goal is to ensure that you have the best Medicare coverage possible, so you can have peace of mind knowing that your healthcare needs are taken care of.

Why Choose Thomas?

Choosing the right Medicare insurance plan is a big decision, and you want to work with an agent who has your best interests in mind. Here are just a few reasons why you should choose me as your Medicare insurance broker:

I am an independent broker, which means I am not tied to any one insurance company. This allows me to offer you a wide range of Medicare insurance plans from top-rated insurance companies, so you can choose the plan that works best for you.
I have years of experience in the insurance industry and specialize in Medicare insurance. I stay up to date on the latest changes and updates to Medicare, so you don’t have to.
I offer personalized service that is tailored to your specific needs. I take the time to understand your healthcare needs and budget, and I work with you to find the best plan that meets your needs.

Jerry B.

“For your Medicare needs, Mr. Tom Marchant cannot be beat. He is well informed and will provide you with all the information you need to make the best decision in your Medicare needs.

He stays on top of all the latest Medicare information and the Medicare Insurance providers and their available options which can now benefit you. Tom is your best option for you Medicare needs!

Thank you, Mr. Marchant, for sharing all your knowledge with me as it will help me make excellent informed decisions. Your help through the years has been very beneficial to me.

Aloha”

Yelp

Kirk P.

“Thomas Marchant is great to do business with! He’s very kind, knowledgeable and easy to talk to. I highly recommend him as your go to professional to help review all of your Medicare and health insurance needs.

A+++!!!”

Yelp

Kwisuk H.

“Tom is a very nice and friendly person whatever I ask him he always answer me.

He treats me so nice he is a very very smart man I am very comfortable meeting with him.”

Google

Pat L.

“My wife and I are thankful to Thomas who has helped us on two different occasions. The first time he gave us advice on obtaining health insurance through Obamacare when we moved back to Hawaii.

The second time Thomas welcomed us into his home and took his time educating us on the intrinsic language of health insurance and what to to look out for when selecting a plan. Thomas is well versed in his profession as well as being a very pleasant person.

Mahalo Thomas!”

Google

Ruby K.

“Mr Marchant has given me really good professional guidance and helped me with Medicare when I was in a difficult situation.

I highly recommend this person since he helped me.

Thank you very much.”

Google

Medicare Insurance Broker Services

I specialize in Medicare insurance plans that provide comprehensive coverage for your healthcare needs. Whether you’re looking for a Medicare Advantage plan, a Medigap insurance plan, or a Medicare Prescription Drug plan, I can help. Here’s a closer look at the Medicare insurance services I offer:

Medicare Advantage Plans:

Medicare Advantage plans are offered by private insurance companies and provide comprehensive coverage for your healthcare needs, including doctor visits, hospital stays, and prescription drugs. I can help you compare and choose from a wide range of Medicare Advantage plans to find the plan that works best for you.
Medigap Insurance Plans:

Medigap insurance plans are designed to fill the gaps in Medicare coverage, including deductibles, copayments, and coinsurance. I offer a range of Medigap insurance plans to choose from, so you can find the plan that fits your needs and budget.
Medicare Prescription Drug Plans:

Medicare prescription drug plans, also known as Medicare Part D, provide coverage for prescription drugs. I can help you compare and choose from a wide range of Medicare prescription drug plans to find the plan that covers the medications you need.

Comprehensive Coverage for All Your Medicare Insurance Needs

In addition to Medicare insurance plans, I also offer a comprehensive range of insurance options to meet your unique needs and budget. From dental insurance and vision insurance to long-term care insurance, disability insurance, and critical illness insurance, I can help you find the coverage you need to protect your health and well-being.

Other Insurance Services

In addition to Medicare insurance, I also offer a range of other insurance services to protect you and your loved ones, including:



Health Insurance

Health Insurance offers comprehensive coverage for medical expenses, including hospital stays, doctor visits, prescription medications, and preventive care services. With various plan options, individuals can choose coverage tailored to their needs and budget, ensuring access to quality healthcare while minimizing out-of-pocket costs.



Dental Insurance

Dental Insurance provides coverage for a range of dental services, including routine cleanings, exams, fillings, and major procedures like root canals and crowns. With access to a network of dentists and specialists, individuals can maintain oral health while minimizing out-of-pocket expenses for dental care.



Vision Insurance

Vision Insurance offers coverage for eye care services, including routine eye exams, prescription eyewear like glasses and contact lenses, and discounts on corrective procedures such as LASIK surgery. With access to a network of optometrists and optical retailers, individuals can maintain good vision health while managing costs effectively.



Religious Health Sharing Ministry

Religious Health Sharing Ministry plans provide a community-based approach to healthcare cost-sharing, where members contribute funds to assist with each other’s medical expenses based on shared religious beliefs. These plans offer an alternative to traditional health insurance, often exempt from certain Affordable Care Act mandates, and foster a sense of community and mutual support among members.



Hospital Indemnity Insurance

Hospital Indemnity Insurance provides financial protection by offering fixed cash benefits for covered hospital stays, assisting individuals in managing out-of-pocket expenses. With no network restrictions, policyholders can receive benefits regardless of the hospital’s network status, ensuring flexibility in healthcare choices.



Long-Term Care Insurance

Long Term Care Insurance provides financial coverage for expenses related to long-term care services, such as nursing home care, assisted living facilities, and in-home care. It offers peace of mind by helping individuals protect their assets and manage the costs of extended care needs during retirement or due to illness or disability.



Disability Insurance

Disability Insurance provides income protection by offering financial support if an individual becomes unable to work due to illness or injury. It ensures peace of mind by replacing a portion of lost income, helping individuals and their families maintain financial stability during challenging times.



Home Health Care Insurance

Home Health Care Insurance provides coverage for medical and non-medical services administered at home, including skilled nursing care, physical therapy, and assistance with daily activities. It offers peace of mind by ensuring individuals can receive necessary care in the comfort of their own home, minimizing the need for hospitalization or institutionalization.



Critical Illness Insurance

Critical Illness Insurance provides financial protection by offering a lump-sum payment upon diagnosis of covered critical illnesses, such as cancer, heart attack, or stroke. It offers peace of mind by helping individuals cover medical expenses and other financial obligations during challenging times of illness and recovery.



Cancer Insurance

Cancer Insurance provides financial protection by offering specific benefits upon diagnosis of cancer, including lump-sum payments and coverage for treatments and related expenses. It ensures peace of mind by helping individuals manage the financial burden of cancer treatment, allowing them to focus on recovery without worrying about financial strain.



Heart Attack/Stroke Insurance

Heart Attack/Stroke Insurance provides financial protection by offering specific benefits upon diagnosis of heart attack or stroke, including lump-sum payments and coverage for medical treatments and related expenses. It ensures peace of mind by helping individuals manage the financial impact of these critical health events, allowing them to focus on recovery without worrying about financial strain.



Accident Insurance

Accident Insurance provides financial protection by offering a lump-sum payment in the event of covered accidental injuries, helping individuals manage medical expenses and other costs resulting from accidents. It ensures peace of mind by providing financial support for unexpected injuries, allowing individuals to focus on recovery without worrying about financial strain.



Travel Medical Insurance

Travel Medical Insurance provides coverage for medical expenses incurred while traveling abroad, including emergency medical treatment, hospital stays, and evacuation services. It ensures peace of mind by offering financial protection against unexpected medical emergencies during international travel, allowing individuals to explore the world with confidence.



Life Insurance

Life Insurance offers financial protection by providing a lump-sum payment to beneficiaries upon the death of the insured, ensuring financial security and support for loved ones. It provides peace of mind knowing that loved ones will be financially protected and cared for in the event of the policyholder’s death, allowing families to focus on grieving and healing without worrying about financial strain.



Discount Prescription Drug Cards

Discount Prescription Drug Cards offer savings on prescription medications by providing discounts at participating pharmacies. These cards are accessible to individuals of all ages and health statuses, offering a cost-effective solution for managing medication expenses.

Contact Me

Thank you for considering me for your Medicare insurance and other insurance needs.

Schedule an appointment today for a free, no-cost, no-obligation consultation to find the right insurance plan for your unique situation.

Let’s work together to ensure all your insurance needs are taken care of in the most cost-effective way possible.

Schedule an Appointment

Upcoming Events

There are no upcoming Events at this time.

Amazon and the Amazon logo are trademarks of Amazon.com, Inc, or its affiliates.

Thomas Marchant

Your Trusted Health
& Medicare Insurance Agent
in Waipahu, Hawaii

Why Choose Thomas?

What People Are Saying

Jerry B.

Kirk P.

Kwisuk H.

Pat L.

Ruby K.

Medicare Insurance Broker Services

Medicare Advantage Plans:

Medigap Insurance Plans:

Medicare Prescription Drug Plans:

Comprehensive Coverage for All Your Medicare Insurance Needs