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Have prescriptions?
Our Medicare Advantage plans have you covered.

Quartz Medicare Advantage (HMO) is provider-owned by Aurora Health Care so we can deliver seamless Medicare coverage that puts you first.

Thinking about Medicare?

Whether you’re turning 65 or planning to retire, Quartz has answers to all your Medicare questions.

Quartz Medicare Advantage (HMO) dental benefits will put a smile on your face.

Have prescriptions? Our Medicare Advantage plans have you covered.

Not all Medicare plans cover the costs of prescriptions. Original Medicare does not and most Medicare Supplement plans don’t.

You deserve Medicare benefits designed especially for Aurora Health Care patients.

Quartz Medicare Advantage (HMO) is provider-owned by Aurora Health Care so we can deliver seamless Medicare coverage that puts you first.

We’re here to help you make a smooth transition to Medicare.

If you’re thinking about retirement, now is the time to explore your Medicare options. Fortunately, your trusted team at Quartz has deep Medicare experience so you can find the right plan for your needs.

See how you can boost your benefits – at no extra cost.

See how you could get more from your Medicare Advantage coverage:

  • $0/month plan options
  • $2,500 – $3,750 in dental coverage included
  • $0 copay and no deductible on prescription drugs
  • Quartz® CashCard to pay for $1,200 – $1,500 in additional health expenses
  • Provider-owned for coordinated care that puts you first
  • National and international travel benefits included

When do I have to enroll?

The Initial Enrollment Period is the seven-month period surrounding your 65th birthday:

Initial Enrollment Period (7 months)

  • 3 months before you turn 65
  • The month you turn 65
  • 3 months after you turn 65

Do I have to enroll in Medicare even if I’m not retiring?

Not necessarily. In fact, what you need to do depends on your specific situation:

You have a couple of options:

  1. Keep the employer coverage
    • Enroll in Medicare Part A as soon as you’re eligible.
    • If the employer has more than 20 employees, you may need to enroll in Part B to avoid penalties.
    • Ask the employer if the plan’s prescription drug coverage is as good as a Medicare plan (if not, enroll in Part D to avoid penalties).
    • Compare the total monthly premium and coverage to a Medicare Advantage plan to see which offers a better value (a Quartz Medicare expert can help you with this).
    • When you do retire, you can enroll in Medicare at that time.

  2. Don’t keep the employer coverage and enroll in Medicare
    • Enroll in Original Medicare (Parts A and B) when you are eligible.
    • Decide if you want a Medicare Advantage or Medicare Supplement plan.
    • If you have prescriptions, sign up for a Part D plan (if you enroll in a Medicare Advantage plan, it may be included). If you don’t enroll in Part D when you’re first eligible for Medicare, you may incur future penalties.
  • Your marketplace plan will end when you turn 65 so you’ll need to enroll in Medicare.
  • While you’ll lose any tax credits or savings you currently receive, a Medicare Advantage plan could save you a lot of money.

What are the different types of Medicare plans?

Part A

  • Covers hospital stays.
  • Issued by federal government.
  • No monthly premium.
  • You might have to pay a deductible.

Part B

  • Covers doctor visits and urgent care visits.
  • Issued by federal government.
  • Monthly premium, based on income, usually deducted from Social Security check.
  • You may still have to pay for some services, including a deductible.
Part C (Medicare Advantage)
  • Covers everything Original Medicare (Parts A and B) does plus additional coverage and benefits.
  • Some plans include prescription drug coverage.
  • Issued by private health insurance companies, like Quartz, once you’ve enrolled in Original Medicare.
  • May have to pay a monthly premium.
  • Deductibles and out-of-pocket costs differ by plan.

Part D

  • Covers prescription drug coverage
  • Sometimes included in Medicare Advantage plans or can be stand-alone plan
  • Issued by private health insurance companies, like Quartz, once you’ve enrolled in Original Medicare.
  • Monthly premium
  • Copays can vary by plan and prescription
Medicare Supplement Plans
  • Covers the same benefits as Original Medicare.
  • Covers the 20% of covered costs not covered by Original Medicare, plus the Part A deductible.
  • Doesn’t include prescription drug coverage.
  • Issued by private health insurance companies, like Quartz, once you’ve enrolled in Original Medicare.
  • Monthly premium, in addition to Part B premium.
  • Typically doesn’t cover the same level of additional benefits offered by a Medicare Advantage plan.

See the specific dental benefits for your area.

Here are some answers to common Medicare questions:

To answer that question, we first need to explain the different types, or parts of Medicare

Original Medicare (Parts A and B)


Part A

  • Covers inpatient hospital stays, skilled nursing facility care and hospice care.
  • There’s no monthly premium for most people, but you may have to pay a deductible.
  • Provided through the federal government.

Part B

  • Covers doctor visits, urgent care, home health services and more.
  • There is a monthly premium, usually deducted from your Social Security check.
  • Provided through the federal government.
  • Original Medicare does NOT include prescription drug coverage. Part B covers a limited number of outpatient prescription drugs under certain conditions.
  • Offers everything Original Medicare does, plus more.
  • Prescription drug coverage is included in many Medicare Advantage plans.
  • Offered by private health insurance companies such as Quartz.
  • Quartz has Medicare Advantage plans that give you all the coverage you’re used to, plus so much more — with monthly premiums as low as $0 per month!
  • Focus exclusively on prescription drug coverage and cover many commonly used brand-name and generic drugs.
  • Offered by private health insurance companies such as Quartz.
  • These may be included in Medicare Advantage plans or available as stand-alone plans.
  • Also called Medigap plans because they help cover the costs, or “gaps,” that Original Medicare does not.
  • Cover the same things as Original Medicare (Parts A and B).
  • Offered by private health insurance companies, like Quartz.
  • Do not include prescription drug coverage.


Here are a few factors to consider when comparing Medicare plans:

  • Expected expenses
    Do you have a medical condition that requires extensive care and/or lab work? Wear eyeglasses or hearing aids? Expect a hospital stay?

  • Monthly premiums
    What is more important to you: low monthly premiums or lower total out-of-pocket costs?

  • Prescription drugs
    Do you take prescription drugs, or do you expect to need them in the near future?

  • Dental and vision coverage
    Do you wear glasses or have vision concerns? Do you anticipate dental care beyond preventive cleaning?

  • Travel plans
    Do you plan on traveling in the U.S.? Outside of the U.S.?

  • Original Medicare (Parts A and B) and Medicare Supplement plans are accepted by any doctor in the U.S. that accepts Medicare.
  • Coverage for Medicare Advantage plans depends on the type of plan and the Medicare insurance provider.
  • Because you’re already a Quartz member, you can switch to a Quartz Medicare Advantage (HMO) plan with confidence, knowing your doctors and hospitals will continue to accept your plan.
  • You have two months, beginning when your current employer coverage ends, to enroll in a Medicare Advantage (Part C) or Prescription Drug (Part D) plan without paying a penalty.
  • If the employer has less than 20 employees, you may need to enroll in Part B to avoid penalties.
  • If you’re only enrolling in Original Medicare (Parts A and B), you have eight months.


To enroll in Original Medicare (Parts A and B):There are two ways to find out if you’re already automatically enrolled or need to enroll:

  • Call Social Security at
    (800) 772-1213 | TTY: (800) 325-0778
    Mon. – Fri., 8 a.m. – 7 p.m.
  • Visit SocialSecurity.gov

To enroll in a Medicare Advantage, Medicare Supplement or Part D plan: Contact a private health insurance company, such as Quartz.

Download or request your free Medicare Advantage Plan Comparison Guide now.

1. Complete this simple form:

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Have questions?

Call to learn more about what a Quartz Medicare Advantage plan can do for you.
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Need help finding a certain medication or have other questions about Medicare?

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Have other questions about dental benefits?
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Quartz is not only a name you know and trust. We’re here to help members like you easily make the transition to Medicare as smooth as possible.

Ready to get started? We’re ready to help.

Rather talk to someone in person?

Our local Medicare experts are right here to help.

Attend a free seminar.

Learn about your options from friendly Medicare experts. No pressure. No obligation to act.

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Speak to a Medicare expert.

Whether you’re already retired, retiring soon or plan on working past 65, our local experts can walk you through your options.

Call (888) 850-7805 (TTY: 711)
Monday – Friday, 8 a.m. – 8 p.m.

Quartz Medicare Advantage (HMO) is an HMO plan with a Medicare contract. Enrollment in this plan depends on contract renewal. This information is not a complete description of benefits. Call (800) 394-5566 (TTY: 711) for more information. For accommodation of persons with special needs at meetings, call (800) 394-5566 (TTY: 711). Other pharmacies/physicians/providers are available in our network.

Quartz Health Plan Corporation and Quartz Health Plan MN Corporation comply with applicable Federal civil rights laws and do not discriminate on the basis of race, color, national origin, age, disability, or sex. Spanish – ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de ayuda con el idioma. Llame al (800) 362-3310 (TTY: 711). Hmong – LUS CEEV: Yog tias koj hais lus Hmoob, cov kev pab txog lus, muaj kev pab dawb rau koj. Hu rau (800)362-3310 (TTY: 711).