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Medicare Isn't One-Size-Fits-All. Find Your Fit.

Your local Bankers Life® agent can help you learn more about coverage options for your needs today and the future.

Understanding your Medicare Options

Struggling to differentiate between Medicare plans? You're not alone!

  • Easing your concerns about your coverage options is what we do.
  • Focus on enjoying your life to the fullest.
  • Rest assured that your health is in good hands.

Fill out this form to speak with a local, licensed insurance agent and learn more about your options.

I consent to receive e-mails, telephone calls, text messages, and artificial or pre-recorded messages from licensed insurance agents with Banker's Life, regarding Medicare Advantage plans and/or Prescription Drug Plans and related products and services, at the e-mail address and telephone number provided above, including my wireless number (if provided), and regardless of whether it is on any do not call list, using an automated telephone dialing system. I understand that my wireless carrier’s standard message and data rates apply. I understand that I may revoke this consent at any time.

Thank you for requesting a call.

Your request is very important to us. A local Bankers Life® insurance agent will contact you to assist you.

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What are the four parts of Medicare and what do and what do they offer?

Medicare Parts A and B are known as "Original Medicare". Parts C and D are voluntary coverages.

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Medicare Part A

Covers hospital stays, skilled nursing, hospice, and some home health care.

Medicare Part B

Covers medically necessary doctors' services, outpatient care, medical equipment, and preventive services.

Medicare Part C

Combines Parts A and B with extra benefits like drug coverage.

Medicare Part D

Helps cover the cost of prescription medications prescribed by your doctor.

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Frequently Asked Questions

What is Medicare?

Medicare is a federal health insurance program for people who are:

  • Age 65 and older.
  • Younger than 65 with disabilities.
  • Any age with end-stage renal disease (ESRD), a type of permanent kidney failure requiring dialysis or a kidney transplant.

Medicare has helped millions of Americans pay for the health care services they need. You've likely contributed to the program through the Social Security taxes deducted from your paycheck.

What is Medigap?

Medigap plans are offered by private companies to cover gaps in Medicare. Also known as Medicare Supplement insurance, these plans:

  • Are available if you have Medicare Part A and Part B.
  • Have standardized benefits, but companies may vary.
  • Have no provider networks or referral requirements, ideal for travelers who split their time among multiple places.
What does Medicare Part A cover?

Medicare Part A covers:

  • Hospital inpatient care
  • Skilled nursing facility care
  • Hospice care
  • Home health services

You may still need to pay deductibles, coinsurance, and copayments.

What does Medicare Part B cover?

Medicare Part B covers:

  • Medically necessary services (diagnosis and treatment)
  • Preventive services (e.g., flu shots, early detection of serious conditions)

It includes:

  • Ambulance services
  • Durable medical equipment
  • Outpatient care
  • Second opinions before surgery
  • Some outpatient prescription drugs

You may still need to pay deductibles, coinsurance, and copayments.

Is there anything not covered by Medicare Parts A and B?

Medicare Parts A and B do not cover:

  • Most long-term care
  • Custodial care
  • Most dental care
  • Eye exams for glasses
  • Dentures
  • Cosmetic surgery
  • Acupuncture
  • Hearing aids and fitting exams
  • Routine foot care

Why Bankers Life?

  • Simplified application process

    Knowledgeable agents provide clear, simple choices tailored to your financial needs.

  • Personalized

    Since 1879, we’ve provided personalized service to support retirees’ journeys.

  • Service you can trust

    You can count on tailored service at your convenience and timely support for all your claims.

  • Highly trusted and recognized

    We’ve received an A+ Better Business Bureau rating and “A” (Excellent) rating by A.M. Best for financial strength.*

Medicare 50/50 Medicare 50/50

Fill out this form to speak with a local, licensed insurance agent and learn more about your options.

I consent to receive e-mails, telephone calls, text messages, and artificial or pre-recorded messages from licensed insurance agents with Banker's Life, regarding Medicare Advantage plans and/or Prescription Drug Plans and related products and services, at the e-mail address and telephone number provided above, including my wireless number (if provided), and regardless of whether it is on any do not call list, using an automated telephone dialing system. I understand that my wireless carrier’s standard message and data rates apply. I understand that I may revoke this consent at any time.

Thank you for requesting a call.

Your request is very important to us. A local Bankers Life® insurance agent will contact you to assist you.

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*As of 2025. The BBB letter grade represents the BBB’s opinion of how the business is likely to interact with its customers. The BBB grade is based on BBB file information about the business, including complaints received from the public. BBB seeks and uses information directly from businesses and from public data sources.

*AM Best “A” (Excellent): This rating is their assessment of our relative financial strength and ability to meet contractual obligations. This rating is the third highest of sixteen ratings as of February 26, 2025. For the latest Best’s Credit Rating, access www.ambest.com

Investopedia, How to Plan for Medical Expenses in Retirement, https://www.investopedia.com/retirement/how-plan-medical-expenses-retirement/, 2025.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

This is a Medicare Supplement insurance solicitation. A licensed insurance agent/producer may contact you.

WASHINGTON NATIONAL, BANKERS LIFE AND THEIR LICENSED AGENTS/PRODUCERS ARE NOT CONNECTED WITH OR ENDORSED BY THE U.S. GOVERNMENT OR THE FEDERAL MEDICARE PROGRAM.

Bankers Life is the marketing brand of Bankers Life and Casualty Company, Medicare Supplement Insurance Policies sold by Washington National Insurance Company, and select policies sold in New York which are underwritten by Bankers Conseco Life Insurance Company (BCLIC). BCLIC is authorized to sell insurance in New York.

ADMINISTRATIVE OFFICE: 11299 ILLINOIS STREET, SUITE 200, CARMEL, IN 46032

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