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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.
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?
How do I choose the right Medicare plan for me?
Original Medicare |
Medicare Advantage |
Prescription Drug Plan |
Medicare Supplement |
|
---|---|---|---|---|
Expected expenses |
You may have to |
Offers the most |
Covers |
Pays out-of-pocket |
Prescription drugs |
Not covered. |
Plans often |
Covers |
Not covered. |
Travel plans |
Does NOT |
Covers hospital |
Covers |
May offer |
Dental and vision |
Does NOT cover |
Most plans |
Covers |
Does NOT cover |
Monthly premiums |
Low premiums |
Monthly |
Low monthly |
Higher premiums |
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 65th 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 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
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)