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Quartz Medicare plans

Talk with local Quartz Medicare experts who can explain your coverage and provider network options, including access to the doctors of Aurora Health Care, Gundersen Health System, UW Health, and more.
Call us Monday through Friday, 8 a.m. to 8 p.m.

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Quartz Medicare Advantage

Medicare coverage with a variety of extra benefits, Quartz Medicare Advantage (HMO) offers five plans to help you feel at ease and confident with your health coverage.

Quartz Dual Eligible with Rx

Medicare and Medicaid team up to give you the coverage and benefits you need. Quartz Medicare Advantage Dual Eligible with Rx plans offer an array of options to choose from.

Quartz Medicare Supplement

If you’re looking for coverage to accompany Original Medicare that allows you the freedom to use a provider network of your choice, Quartz Medicare Supplement can help.

Quartz Medicare Select

When you’d like more coverage than Original Medicare and you’re committed to one of our local provider networks, Quartz Medicare Supplement plans may be an option.

Have general Medicare questions? We can help.

What is Medicare?

Medicare is Federal Government-offered health insurance for people 65 and older, or for those who have been receiving Social Security disability for at least two years. There are four parts of Medicare: A, B, C, and D.

What is the difference between Medicare Parts A, B, C, and D?

Parts A and B (Original Medicare)

Medicare Part A – Covers hospital stays, including inpatient care, skilled nursing care, and hospice. There’s no monthly premium, but you may have to pay a deductible.
Medicare Part B – Covers doctor visits, urgent care, home health services, and more. There is a monthly premium, which is usually deducted from your Social Security check. There may also be other costs, such as deductibles or copays. There are also no maximum yearly limits to your out-of-pocket expenses.

Part C (Medicare Advantage)

Medicare Advantage plans are offered by private health insurance companies, such as Quartz. They offer everything Original Medicare offers, plus additional coverage and many extra benefits. Prescription drug coverage is also included in many Medicare Advantage plans.

Part D (Prescription drug plans)

These plans are provided by private health insurance companies and focus exclusively on prescription drug coverage, including many commonly used brand-name and generic drugs. Copays can vary depending on the plan and drug usage.

What are Medicare Supplement plans?

Medicare Supplement plans are offered by private health insurance companies. They’re often called Medigap plans because they help cover costs, or “gaps,” that Original Medicare (Parts A and B) does not. For example, if Original Medicare covers 80% of covered doctor and hospital visits, Medicare Supplement plans cover the remaining 20%.

What are Medicare Select plans?

Medicare Select plans are offered by private insurance companies to help fill in the gaps of Original Medicare. They are designed to work with Medicare and pay for many out-of-pocket costs that Original Medicare doesn’t pay for.

How do I choose the right Medicare plan for me?

There is a lot to think about when choosing a Medicare plan. Here are some factors to consider before you enroll.

	Original Medicare	Medicare Advantage	Prescription Drug Plan	Medicare Supplement
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?	You may have to pay hundreds or even thousands in out-of-pocket costs.	Offers the most comprehensive coverage. Could include vision and hearing.	Covers prescription drug costs.	Pays out-of-pocket costs that Original Medicare doesn’t cover.
Prescription drugs Do you take prescription drugs or do you expect to need prescription drugs in the near future?	Not covered.	Plans often include prescription drug coverage.	Covers prescription drug costs.	Not covered.
Travel plans Do you plan on traveling in the U.S.? Outside of the U.S.?	Does NOT cover expenses incurred OUTSIDE the U.S.	Covers hospital and urgent care outside the U.S. Check plan for travel coverage within the U.S.	Covers prescription drug costs in the U.S.	May offer hospital and urgent care outside the U.S. Check plan for coverage.
Dental and vision coverage Do you wear glasses or have vision concerns? Do you anticipate dental care beyond preventive cleaning?	Does NOT cover routine dental, vision, and other extra benefits.	Most plans cover routine dental and vision, which may include extra coverage.	Covers prescription drug costs.	Does NOT cover routine dental, vision, and other extra benefits.
Monthly premiums What is more important to you: low monthly premiums or lower total out-of-pocket costs?	Low premiums but only limited coverage.	Monthly premiums vary (some plans are as low as $0).	Low monthly premiums and the possibility for financial aid based on income.	Higher premiums than Medicare Advantage plans but lower out-of-pocket costs.

When can I enroll in Medicare?

You can enroll in Original Medicare and Medicare Advantage plans three months before the month you turn 65. Enrolling early will ensure you’re covered from the first day of your 65^th birthday month.

How do I enroll in Original Medicare?

If you’re going to collect Social Security retirement benefits when you turn 65, you’ll automatically be enrolled in Part A and likely Part B. To find out if you’re automatically enrolled or need to enroll, call (800) 772-1213, TTY: (800) 325-0778, Monday through Friday, 8 a.m. – 7 p.m., or visit SocialSecurity.gov.

What if I want to work beyond age 65?

If you plan on working past 65, you still need to take a few additional steps as you approach Medicare age. Here are some things to consider, depending on your situation.

If you want to keep your employer coverage:

Enroll in Part A as soon as you’re eligible (starting three months before your 65^th birthday)
If your employer has less than 20 employees, you may need to enroll in Part B to avoid penalties
Ask your employer if their plan’s prescription drug coverage is as good as a Medicare plan. If not, enroll in a Part D plan to avoid penalties

If you do not want to keep your employer coverage:

Talk to your employer about options or plans available to employees aged 65 and older
Enroll in Original Medicare (Parts A and B) when you’re eligible
Decide if you want to enroll in 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 your current health insurance was purchased through the marketplace:

If your health insurance is from the health insurance marketplace and not from an employer, you’ll need to enroll in Medicare Part A and Part B when you’re eligible at age 65 (You do not need to drop your marketplace insurance to enroll, but most people do)

If you have another type of insurance:

If you have insurance through a union, military service, long-term disability, or any other type of insurance not listed here, you can still benefit from a Medicare plan

I’m turning 65 soon, what do I need to do?

If you’re nearing 65, we encourage you to start learning about Medicare and how it works. Join us for a free informational Quartz Medicare seminar or webinar where you can ask questions, learn more about your Medicare options, and get started on your Medicare journey.

Can I add a spouse/partner to a Quartz Medicare plan?

No, a spouse or partner cannot be added to your Medicare plan. Medicare plans are individual plans, so a spouse/partner would need to enroll in their own plan.

What if I’m eligible for Medicare and Medicaid?

If you’re eligible for Medicare and Medicaid, or already enrolled in Medicaid, you may be able to enroll in a Quartz Medicare Advantage Dual Eligible with Rx plan. It lets you keep all your current Medicaid benefits and get new ones – at no extra cost. To see if you’re eligible, contact a local Quartz Medicare expert at (888) 565-0345 (TTY: 711), Monday through Friday, 8 a.m. – 8 p.m.

I have more questions. Can Quartz help?

Local Quartz Medicare experts are happy and ready to answer your questions.
Please feel free to call them at (888) 565-0345 (TTY: 711), Monday through Friday, 8 a.m. – 8 p.m.

Ways to enroll with Quartz

Whether you’ve selected the Quartz Medicare Advantage (HMO) plan that’s right for you, or you need help making a decision, we’re here to help.

Apply with a local insurance agent

Call a Quartz Medicare expert:
(888) 346-0886 (TTY: 711)

Apply online with Quartz

Contact us

Quartz is committed to providing superior customer service. That’s one reason we offer so many ways to reach us.