Quartz Medicare Plans
Neighborly service. Trusted coverage.
Explore your Quartz Medicare options.
Original Medicare is just one plan option.
Learn more about other Medicare plan options with extra benefits. Plan options start at $0 per month.
Call us Monday through Friday, 8 a.m. to 8 p.m.
Quartz Medicare Advantage
With Quartz Medicare Advantage (HMO), you can access trusted care, valuable benefits, and personal service. See our plan options with great benefits, prescription drug coverage, and extras starting at $0/month.
Quartz Dual Eligible with Rx
Medicare and Medicaid team up to give you the coverage and benefits you need. If you are eligible for Medicaid and Medicare, get extra benefits for $0/month with a Quartz Dual Eligible with Rx plan. Plans include a quarterly allowance for groceries and utilities.
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 Select plans may be an option.
Have general Medicare questions? We can help.
What is Medicare?
Medicare is federal government health insurance for people 65 and older or select individuals who have been on Social Security disability for at least two years.
There are different types of Medicare plans:
- Original Medicare (Parts A and B)
- Medicare Advantage plans (Part C)
- Prescription Drug plans (Part D)
- Medicare Supplement plans
- Dual Eligible Special Needs plans
What is the difference between Medicare Parts A, B, C, and D?
Original Medicare is provided through the federal government and is made up of two parts:
Medicare Part A covers hospital stays. There’s no monthly premium, but you might have to pay a deductible.
Medicare Part B covers doctor visits and urgent care visits. There is a monthly premium, based on income, that is usually deducted directly from your Social Security check. You may still have to pay for some services, including a deductible.
Things to keep in mind:
- Many people find that Original Medicare may not be enough.
- Original Medicare does not include prescription drug coverage
Medicare Advantage plans (Part C) These plans are offered by private health insurance companies.
- Includes all the benefits of Original Medicare, plus additional coverage, and extra benefits.
- Some Medicare Advantage plans include prescription drug coverage.
Things to keep in mind:
- You must be enrolled in Original Medicare before you can sign up for a Medicare Advantage plan.
- In addition to your Part B premium, you may have to pay an additional monthly premium, although some plans have a $0 premium
Prescription Drug plans (Part D) These plans are offered by private health insurance companies and focus exclusively on prescription drug coverage.
- Covers many commonly used brand name and generic drugs.
- Copays can vary by plan and prescriptions.
Things to keep in mind:
- You pay a monthly premium.
- Available as a stand-alone plan but also may be included in Medicare Advantage plans.
What are Medicare Supplement plans?
Medicare Supplement plans are also offered by private health insurance companies. They are also called Medigap plans because they help cover the costs, or “gaps,” not covered by Original Medicare.
- Covers the same benefits as Original Medicare (Parts A and B).
- Original Medicare covers 80% of covered doctor and hospital visits, and Medicare Supplement plans cover the remaining 20%, plus the Part A deductible. (BOLD)
Things to keep in mind:
- You pay a monthly premium in addition to your monthly Part B premium.
- Plans do not include prescription coverage.
- Typically, these plans do not offer the same level of additional benefits (such as hearing and vision) as Medicare Advantage plans.
What are Medicare Select plans?
How do I choose the right Medicare plan for me?
|
|
Original Medicare (Parts A & B)
|
Medicare Advantage (Part C)
|
Prescription Drug plan (Part D)
|
Medicare Supplement
|
Dual Eligible Special Needs Plan
|
|---|---|---|---|---|---|
|
Expected expenses |
You may have to pay hundreds or even thousands in out-of-pocket costs.
|
This offers the most comprehensive coverage, and may include vision and hearing.
|
Covers |
Pays out-of-pocket
costs that Original
Medicare doesn’t
cover
|
Works with your
Medicaid coverage to
provide hospital,
medical, and
prescription drug
coverage, and may
include extras like
vision, dental, and an
OTC card
|
|
Prescription drugs |
Not covered. |
Plans often |
Covers |
Not covered. |
Plans often include
prescription drug
coverage
|
|
Travel plans |
You can use any
doctor or hospital
that takes Medicare,
anywhere in 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.
Medicare drug plans
don't cover
prescription drugs
you buy outside the
U.S.
|
May offer hospital
and urgent care
outside the U.S.
Check plan for
coverage
|
Covers hospital and
urgent care outside
the U.S. Check plan
for travel coverage
within the U.S.
|
|
Dental and vision |
Does NOT cover |
Most plans |
Covers |
Does NOT cover |
Most plans cover
routine dental and
vision
|
|
Monthly premiums |
Low premiums |
Monthly |
Low monthly |
Higher premiums |
You may only pay $0
for Medicare-covered
services
|
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 starting the first day of the month you turn 65.
How do I enroll in Original Medicare?
To enroll in Original Medicare: If you’re going to collect Social Security retirement benefits when you turn 65, you’re likely to be automatically enrolled in Part A, and probably Part B.
To find out if you’re automatically enrolled, or to enroll, contact Social Security:
Call (800) 772-1213 or TTY: (800) 325-0778 Mon. – Fri., 8 a.m. – 7 p.m. Sign up online at SocialSecurity.gov
What if I want to work beyond age 65?
If you plan on working past 65, talk to your HR department to find out if you’re able to stay on the employer plan and if there are any cost differences
- If you plan on working past 65, talk to your HR department to find out if you’re able to stay on the employer plan and if there are any cost differences. If you are on your spouse’s employer coverage, check with their HR department.
- Enroll in Part A as soon as you’re eligible
- If your employer (or your spouse’s employer) has more than 20 employees, and the group health plan is not through active employment, you may need to enroll in Medicare Part B to avoid penalties
- If your employer (or your spouse’s employer) has fewer than 20 employees, you may want to enroll in Medicare Parts A and B. Medicare will be the primary payer, and the group health plan will be secondary
- Ask your employer (or your spouse’s 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
- Compare the total of your new monthly premiums and coverage to a Medicare plan to see which offers the better value
If you DO NOT want to keep your employer coverage (or stay on your spouse’s employer coverage)
- Talk to your employer (or your spouse’s employer) about options or plans available to employees age 65 and older
- Enroll in Medicare Parts A and B when you are eligible
- Decide if you want to enroll in a Medicare Advantage plan, Medicare Supplement plan, or see if you qualify for a Dual Eligible plan
- If you have prescriptions, sign up for a Prescription Drug plan (Prescription drug coverage may be included with a Medicare Advantage or Dual Eligible plan)
If your current health insurance was purchased through the marketplace
- If you have health insurance 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 in Medicare, but most people do.
- For those who qualify for premium-free Medicare Part A, your marketplace insurance premium subsidies end after you’re eligible for Part A at age 65
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 (866) 491-1335 (TTY: 711), Monday through Friday, 8 a.m. – 5 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 (866) 491-1335 (TTY: 711), Monday through Friday, 8 a.m. – 5 p.m.
Contact us
Whether you’ve selected a plan that’s right for you or you need support making a decision, we’re here to help.