When can I enroll in Medicare?

Your Initial Enrollment Period begins three months before you turn 65 and ends three months after your birthday month. There are also Annual Enrollment (Oct 15-Dec 7) and Medicare Advantage Open Enrollment (Jan 1-Mar 31) periods for making changes.

What's the difference between Medicare Advantage and Medigap?

Medicare Advantage (Part C) replaces Original Medicare with a private plan that often includes drug, dental, and vision coverage. Medigap supplements Original Medicare by covering gaps like copays and deductibles. The right choice depends on your health needs, budget, and preferred providers.

Does Trek help with Medicare in multiple states?

Yes. We're licensed in Nebraska, Texas, Iowa, Illinois, and 20+ additional states. We can help you compare Medicare options regardless of where you live - including helping snowbirds coordinate coverage across state lines.

Medicare Plans | Advantage, Supplement & Part D

Medicare is a critical part of retirement planning. Whether you’re turning 65, helping a parent navigate their options, or reviewing your current coverage, Trek Insurance Solutions provides clear, unbiased Medicare guidance.

Medicare Part A & Part B (Original Medicare)

Part A - Hospital Insurance

Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people qualify premium-free.

Part B - Medical Insurance

Covers doctor visits, outpatient care, preventive services, and medical equipment. Monthly premiums are income-based.

Medicare Advantage (Part C)

Medicare Advantage plans combine Part A, Part B, and often Part D into one plan from a private insurer. Many plans include extra benefits like:

Dental, vision, and hearing coverage
Fitness memberships
Over-the-counter allowances
Transportation to appointments

We help you compare Advantage plans by carrier, network, and total cost - not just the monthly premium.

Medicare Supplement (Medigap)

Medigap policies fill the gaps that Original Medicare doesn’t cover - like copayments, coinsurance, and deductibles. Plans are standardized by letter (A, B, G, N, etc.), but premiums vary by carrier. We help you compare.

Part D Prescription Drug Plans

Even if you’re healthy now, having prescription drug coverage protects you from high medication costs later. We help you compare Part D plans by formulary, pharmacy network, and total annual cost.

Talk to a Medicare Specialist

Our licensed agents help you understand your options, compare plans, and enroll with confidence. Free consultations, no obligation.

“I was completely overwhelmed by Medicare until I called Trek. They explained everything clearly and saved me money on my supplement plan.”

Lincoln, NE client

We do not offer every plan available in your area. Currently we represent multiple organizations which offer over 4,000 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.