To speak with a licensed insurance agent, call (248) 450-9980 (TTY 711 M-F, 9am-5pm) or email [email protected]
Medicare is divided into several different programs, or parts.
You will choose to enroll in either Original Medicare, which encompasses Parts A and B, or Medicare Part C (also called Medicare Advantage).
Medicare Part A
Medicare Part A is commonly considered hospitalization insurance. Part A covers costs related to:
Inpatient care in a hospital
Skilled nursing home care Inpatient care in a skilled nursing facility that is not custodial or long-term
Hospice care
Home health care
Medicare Part B
Medicare Part B provides for the rest of your non-hospitalization healthcare needs. Under Part B you receive coverage for:
Medically necessary services such as doctor visits, tests, and other services as needed to diagnose or treat your condition
Preventive services like routine screenings, check-ups, vaccinations, and more
Ambulance services
Durable medical equipment
Mental health services
Limited outpatient prescription drugs
Together, Medicare Parts A and B are called Original Medicare.
Medicare Part C
Medicare Part C, or Medicare Advantage is designed to roll the coverage of Parts A and B into one plan, offered by a private health insurance company that contracts with Medicare.. By law, Advantage plans must offer at least the same coverage as Original Medicare. Other rules may differ, or the network might offer additional benefits. Many Advantage plans also include Part D, or prescription drug coverage.
Common types of Part C plans include:
Health Maintenance Organization (HMO) plans
Preferred Provider Organization (PPO) plans
Private Fee-for-Service (PFFS) plans
Special Needs Plans (SNPs)
HMO Point of Service Plans (HMOPOS)
Medicare Medical Savings Account (MMSA)
If you opt for a Part C plan, you will have the opportunity to compare plans, benefits, and rates each year during an Annual Election Period.
To speak with a licensed agent, call (248) 450-9980
(TTY 711 M-F, 9am-5pm)
Michigan License #0142917
Need Assistance or Quote?
Please contact our office during normal business hours or provide us with the details of your request below and we will get back to you within one business day.
By submitting this information, you acknowledge a licensed insurance agent, Sharon Gray, may contact you by phone, email, or mail to discuss Medicare Advantage Plans, Medicare Supplement Insurance, or Prescription Drug Plans.
Trusted
Guidance you can count on
Knowledgeable
Expertise made simple
Supportive
Care every step of the way
Friendly, experienced, licensed professionals standing by to answer your insurance questions and assist you with your options - all at NO COST and no obligation.
FOLLOW US
COMPANY
CONTACT DETAILS
Copyright 2025. Gray Insurance Advisors. All Rights Reserved.
Medicare has neither reviewed nor endorsed this information.
Not connected with or endorsed by the United States government or the federal Medicare program.
We do not offer every plan available in your area. Currently we represent ten organization which offer different plan products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.