Your Local Medicare Solutions Agent:
Plans, Enrollment & Guidance in the Twin Cities
Your Local Medicare Solutions Agent:
Plans, Enrollment & Guidance in the Twin Cities
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Plans, Enrollment & Guidance in the Twin Cities
Navigating Medicare can be confusing. Solvera Insurance Advisors, based in Edina, simplifies your choices. We are licensed, local Medicare Agents committed to finding the right combination of plans to fit your health needs, budget, and desired network of doctors here in Minnesota.
Your Local Medicare Solutions Agent:
Plans, Enrollment & Guidance in the Twin Cities
Your Local Medicare Solutions Agent:
Plans, Enrollment & Guidance in the Twin Cities
Understanding Your Medicare Options
Understanding Your Medicare Options
Your Two Paths to Medicare Coverage
Your Two Paths to Medicare Coverage
Once you have Original Medicare (Parts A and B), you must choose how you want to manage your coverage. Solvera can help you compare the costs, benefits, and networks of both options:
Option 1: Medicare Supplement Insurance (Medigap)
Option 1: Medicare Supplement Insurance (Medigap)
How It Works: You keep your Original Medicare (A & B) and buy a Medigap policy to help cover the gaps: deductibles, copayments, and coinsurance.
Key Advantage: Allows you to see any doctor or specialist in the U.S. who accepts Medicare.
Option 2: Medicare Advantage (Part C)
Option 2: Medicare Advantage (Part C)
How It Works: These plans are offered by private insurance companies and essentially replace Original Medicare. They bundle Part A, Part B, and usually Part D (Prescription Drug Coverage).
Key Advantage: Often includes extra benefits like dental, vision, and wellness programs, sometimes with lower monthly premiums.
Essential Drug Coverage (Part D)
Essential Drug Coverage (Part D)
What It Covers: Helps cover the cost of prescription drugs.
When You Need It: If you choose Original Medicare + Medigap, you typically need to enroll in a separate Part D plan. If you choose Medicare Advantage, it is usually included.
Critical Enrollment Periods
Critical Enrollment Periods
Don't Miss the Deadlines: Key Enrollment Periods
Don't Miss the Deadlines: Key Enrollment Periods
Missing the deadline to enroll or switch plans can result in a late enrollment penalty that lasts for the rest of your life.
Initial Enrollment Period (IEP): The 7-month window around your 65th birthday when you first become eligible.
Annual Enrollment Period (AEP): October 15 to December 7 every year. This is the main time to change plans for the following year.
Medicare Advantage Open Enrollment Period (MA OEP): January 1 to March 31 every year. This allows current Medicare Advantage members one chance to switch plans or return to Original Medicare.
Solvera: Your Local Minnesota Medicare Agent
Solvera: Your Local Minnesota Medicare Agent
Get Unbiased, Local Advice from a Licensed Agent
Get Unbiased, Local Advice from a Licensed Agent
As independent agents serving the Minneapolis-St. Paul metro—including St. Louis Park, Bloomington, Minnetonka, and Hopkins—we are not tied to a single insurance carrier. We compare dozens of plans across all major carriers in Minnesota to find the coverage that works best for you.
Don't go into Medicare alone. Let Tamontre Vega be your expert guide.
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