In this informative episode of The Mike Vilardi Show, Mike welcomes his friend Scott, an experienced insurance agent specializing in Medicare, to guide listeners through what can be a confusing and overwhelming topic — Medicare enrollment and options.

As Mike approaches his 65th birthday this July, he invites Scott to break down everything he needs to know, from eligibility to choosing between Medicare Advantage and Supplemental Plans.

• Medicare Basics

  • Origins of Medicare (established in 1965)

  • Overview of the four parts: Part A (hospital), Part B (doctor/medical), Part C (Medicare Advantage), and Part D (prescription drugs)

• Eligibility & Enrollment

  • You qualify for Part A with no premium if you've worked 10+ years (40 quarters)

  • Initial Enrollment Period (IEP): 3 months before, the month of, and 3 months after turning 65

• Cost Overview

  • Part A deductible in 2025: $1,676

  • Part B premium in 2025: $185/month, with a $257 deductible

  • Medicare doesn’t fully cover all costs — many need Supplement or Advantage plans

• Supplement vs. Advantage Plans

  • Medicare Supplement (Medigap):

    • Accepted by 99% of doctors

    • Higher premium but more freedom

    • Minimal out-of-pocket cost after deductible

  • Medicare Advantage (Part C):

    • Often has no premium

    • Includes extra benefits like dental, hearing, and vision

    • Typically includes drug coverage

    • HMO/PPO structures with network restrictions

• Mike’s Unique Case

  • As a former federal employee, Mike’s employer plan serves as primary coverage, with Medicare as secondary

  • His plan may mirror benefits similar to Medigap Plan G coverage

Scott is an independent insurance agent representing 7–10 top-rated insurance companies, helping seniors make the best decision based on their location, health, budget, and lifestyle. He offers personalized guidance through every step of Medicare enrollment, including navigating plan networks, drug coverage, and additional benefits like vision and dental.

📋 Key Topics Covered:👥 Guest Bio – Scott, Medicare Specialist