Helping You Navigate Medicare Options
Medicare Insurance Plans Made Easy
Understanding Your Medicare Options
When you explore Medicare plans in Illinois, it helps to see the big picture. Original Medicare includes Parts A and B. Many people then choose either a Medicare Advantage plan or a Medicare Supplement plus Part D. Thomas Family Insurance provides free plan guidance so you can decide with confidence.
For readers starting from scratch, our Medicare Basics page explains Parts A, B, C, and D in simple terms and is a helpful first step.
Medicare Advantage (Part C)
All-In-One Coverage -
Part C combines hospital and medical services, often with drug coverage, in a single plan. Extras like dental and vision may be included.
When To Consider Part C -
It can be a good match if you prefer one ID card, set copays, and additional benefits. Local networks in Quincy, Hannibal, and Keokuk can make care convenient.
Medicare Supplement (Medigap)
Filling The Gaps -
Medigap helps pay many costs that Original Medicare leaves behind, like coinsurance and deductibles.
When To Consider Medigap -
Choose this path if you want freedom to see any doctor who accepts Medicare nationwide and predictable costs.
Medicare Part D (Prescription Drug Plans)
Medication Coverage 101 -
Part D helps cover outpatient prescriptions. Choosing a plan that fits your medication list can reduce surprises at the pharmacy.
Avoid Penalties And High Rx Costs -
Enroll on time and review annually, especially if your prescriptions or plan formularies change.
Dental And Vision Plans For Seniors
Beyond Medicare -
Original Medicare does not include routine dental and vision. Stand-alone options can cover exams, cleanings, eyewear, and more.
Flexible Options -
We compare local plans that fit the needs of seniors across Adams County and nearby towns.
Why Choose Thomas Family Insurance?
How We Help You Choose
Personalized Needs Assessment
We start with your doctors, prescriptions, budget, and travel. Then we outline options that fit your lifestyle.
All Major Carriers
You can compare plans from trusted companies serving Illinois, Missouri, and Iowa.
Annual Plan Reviews
Each fall, during Oct 15 to Dec 7, we help you evaluate changes and switch if a better fit appears.
Get Started With Medicare
Turning 65 or already on Medicare. Schedule a personal review or join a free workshop in Quincy or nearby towns.
FAQs
What Is The Difference Between Medicare Advantage And Medicare Supplement
Advantage replaces Original Medicare with a private plan that often includes extras and uses a provider network. A Supplement works with Original Medicare to pay many remaining costs and is accepted anywhere Medicare is accepted. Many clients compare both before deciding.
For deeper education, you can read compare Medicare plans and move to detailed subpages once you see what fits best.
Do I Need A Part D Plan If I Have A Supplement
Yes, if you want prescription coverage. Medigap does not include drugs, so you pair it with a stand-alone Part D plan.
Can I Change My Medicare Plan Later
Yes. Certain timeframes allow changes, including the Annual Enrollment Period each fall and other special periods after life changes. Our team will guide you.