Tonya LeGrande & Associates, LLC

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About Medicare Insurance

What is Medicare?

Medicare is the federal health insurance program for people who are 65 or older. It is also available for individuals who are under age 65 with disabilities or people with End-Stage Renal Disease.

Medicare Annual Enrollment is From Oct. 15 - Dec. 7

Tonya LeGrande & Associates, LLC

Medicare Prescription Drug Plans, along with Medicare Health plans, change every year. Our office has a proven system that helps our clients save money on their prescription medications and supplemental coverage.

We are a licensed insurance agency who represent the major Medicare Supplemental Carriers and Prescription Drug plans. We have over 13 years of experience working with Medicare clients. We are Independent Insurance Agents who are looking out for your best interest. Our agency has a large portfolio of Medicare plans which allows us to fit your plan to your unique needs.

We operate our agency with this in mind, “Our goal is to establish life-long relationships with our clients. That will only happen if we provide service and savings!” This tone has been set by our owner, Tonya LeGrande-Labenz. Our staff’s focus is on providing our clients with the one-on-one service that they need.

Our promise is to take the time to educate you about your options, as we are convinced that knowledge is key to making decisions that bring you peace of mind. We provide annual reviews and educational webinars. We look forward to assisting you with your Medicare coverage needs.

Turning 65/Joining Medicare?

Are you turning 65 soon? Your 65th birthday is considered a milestone for several reasons. Not only was it once considered the standard retirement age, but it’s the year you can enroll into Medicare.

However, many people decide to continue to work past age 65. Most people are conflicted on what they should be doing regarding their Medicare coverage. That is where we come in to help clear up the confusion.

If you are turning 65, whether you are working or not, it is in your best interest to learn about your options with Medicare. We help you understand the costs under Medicare and weigh it against your employer-based health plan. This way you can make an informed decision regarding your healthcare.

We recommend you contact our office 6 months before your 65th birthday or 6 months prior to retirement (if you are working post-age 65). This will give you enough time to establish a game plan and decide which options are best for you. We will be part of your Medicare journey and assist you along the way.

Let's Break Down the Parts of Medicare

Large hospital building

Medicare Part A - Hospital

Medicare Part A is “Hospital Insurance.” Most Medicare Part A beneficiaries don't have to pay a monthly premium to receive coverage under this part of Original Medicare; this is called "premium-free Part A."

Medicare Part A typically doesn't cover the full amount of your hospital bill, so you will probably be responsible for a share of the cost.

Tonya LeGrande & Associates, LLC

Medicare Part B - Medical

Medicare Part B is “Medical Insurance.” The standard Part B premium amount is $170.10/ month (or higher depending on your income).

Medicare Part B has an annual deductible of $233. After your deductible is met, you typically pay 20% of the Medicare-approved amount for most doctor services (including most doctor services while you're a hospital inpatient), outpatient therapy, and durable medical equipment.

Group of happy doctors meeting at hospital office

Medicare Part C

Medicare Part C is another name for Medicare Advantage. Medicare Part C is administered by private insurance companies contracted with Medicare. Medicare Part C covers everything that Original Medicare (Part A and Part B) cover and may cover extra benefits as well.

Pills scattered on one hundred dollar bill

Medicare Part D - Prescriptions

Your Medicare Prescription Drug plan's sole purpose is to provide you coverage for your prescriptions. These plans change annually; therefore, it is important to review this information yearly. Our office will complete yearly reviews to make sure our clients are on the most efficient cost-savings plan.


Medicare Supplement

Your Medicare Supplement is used to fill the gaps that Part A and B don’t cover.

You use this card at your doctor’s office and the hospital for Medicare-approved services.

As Independent Insurance Agents, we offer a large number of Medicare Supplement carriers to find plans that fit your need.

What You Can Expect From Our Office:

Yearly Reviews
Most of our clients who join our team have similar stories. They have been on Medicare, and they either don't remember the name of the agent who signed them up, OR they have had rate increases and haven't heard from their agent.

Our team believes in being proactive. We walk with our clients through their Medicare journey. Yearly reviews are essential to make sure you're on the most cost-effective plan for both your doctors and hospital services as well as your prescriptions.

Cost-saving Solutions
We shop the market independently for you. We don't work for the insurance company - we work for you. We understand how Medicare works and want to provide our clients with comprehensive coverage at an affordable price.

A Team of Support and Service
Our office takes the time to educate you about your options. We keep you informed of changes throughout the year. We want our clients to have peace of mind and believe in being a team of support for them.

Tonya LeGrande & Associates, LLC