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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.

Neighborly service. Trusted coverage. Explore your Quartz Medicare plan options.

 

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.

 

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.

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.

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%.

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.
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.

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 65th birthday month.

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.

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 65th 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

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.   

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.

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. 

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

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

Contact us

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