Your Medicare. Your Choices.
Our Guidance.
Turning 65? Already on Medicare? Have questions about your coverage? Our licensed Medicare advisors help you understand your options and find coverage that fits your healthcare needs and budget.
At The Bedrock Group, we proudly serve New Albany, Southern Indiana, Greater Louisville, and clients nationwide.
Where Are You in Your Medicare Journey?
Whether you are new to Medicare or have been enrolled for years, we're here to help you make informed decisions.
.png)
Understanding Medicare Parts A, B, C & D
Medicare has different parts, and knowing how they work together is the first step toward choosing coverage that works for you.
A
Medicare Part A
Hospital Insurance
Helps cover inpatient hospital care, skilled nursing facility care under qualifying conditions, hospice, and certain home health services.
B
Medicare Part B
Medical Insurance
Covers doctor visits, outpatient care, preventive services, durable medical equipment, and other medically necessary services.
C
Medicare Part C
Medicare Advantage
An alternative way to receive your Part A and Part B benefits through a Medicare-approved private insurance plan that provides extra benefits.
D
Medicare Part D
Prescription Drug Coverage
Helps cover eligible prescription medications through a stand-alone drug plan or certain Medicare Advantage plans.
.png)
Turning 65? Let's Get You Medicare Ready.
Approaching your 65th birthday can bring a lot of questions. When should you enroll? Do you need Medicare if you're still working? What's the difference between Medicare Advantage and Medicare Supplement?
The Bedrock Group helps you understand enrollment timelines, coverage choices, and potential penalties so you can prepare with confidence.
We can help you:
-
Understand your initial enrollment window
-
Review employer coverage and Medicare
-
Compare Medicare Advantage and Supplement options
-
Explore prescription drug coverage
-
Prepare for your coverage start date
.png)
Medicare advantage Plans (Part C)
Medicare Advantage plans, offered by Medicare-approved private insurance companies, provide your Part A and Part B benefits. Many also include prescription drug coverage and additional benefits such as dental, vision, or hearing services.
Our advisors help compare plans based on what matters most to you.
What we review:
-
Doctors, specialists, and hospital networks
-
Prescription medications and pharmacies
-
Copays, deductibles, and maximum out-of-pocket costs
-
HMO and PPO plan differences
-
Additional benefits and eligibility requirements
Medicare Supplement Insurance (Medigap)
Medicare Supplement insurance helps pay certain out-of-pocket costs that Original Medicare doesn't fully cover, including eligible deductibles, copayments, and coinsurance.
We help you compare standardized Medigap plan options, monthly premiums, and enrollment considerations.
Important to know: Your six-month federal Medigap Open Enrollment Period generally begins when you are 65 or older and enrolled in Part B. Outside protected enrollment situations, medical underwriting may apply, depending on state law.
Medicare Prescription Drug Plans (Part D)
Your prescription medications are an important part of your Medicare coverage. Drug formularies, pharmacy networks, deductibles, and costs can change each year.
We help you review stand-alone Medicare Part D plans and the drug coverage included in Medicare Advantage plans.
Our reviews consider:
-
Your current medications and dosages
-
Preferred pharmacies
-
Drug tiers and coverage restrictions
-
Estimated annual prescription costs
-
Eligibility for Extra Help
Medicare & Medicaid (Dual Eligibility)
If you qualify for both Medicare and Medicaid, you may have additional coverage options designed around your healthcare and financial needs.
Dual Eligible Special Needs Plans (DSNPs) may help coordinate Medicare and Medicaid benefits, depending on your eligibility and what's available in your area.
We help individuals and caregivers understand available options, coverage coordination, prescription benefits, and plan requirements.
Benefits and out-of-pocket costs vary by eligibility level and plan.
Medicare Options for Veterans
Veterans may have Medicare alongside VA healthcare, TRICARE for Life, or other Military-related coverage.
Our advisors help veterans and military families understand hw Medicare may work with existing benefits and whether additional coverage options make sense.
We review doctor access, prescriptions, network requirements, and possible coverage interactions before recommending any change.
Medicare for Chronic Health Conditions
Living with diabetes, heart disease, or another qualifying chronic condition may create additional healthcare needs.
Certain Medicare Advantage Chronic Condition Special Needs Plans (CSNPs) are designed for individuals with specific qualifying conditions.
Depending on the plan, benefits may include coordinated care, tailored provider networks, and prescription coverage.
Eligibility, availability, and benefits vary by condition and location.
Annual Medicare Reviews and Enrollment Periods
Already on Medicare? Your Coverage Deserves an Annual Review.
Your healthcare needs change, and so can Medicare plans. The Bedrock Group helps you review your current coverage, understand upcoming changes, and determine whether your plan still meets your needs.
Oct 15 - Dec 7
Annual Enrollment Period
Review and make eligible Medicare Advantage or Part D plan changes for January 1.
Jan 1 - Mar 31
Medicare Advantage Open Enrollment
People already enrolled in Medicare Advantage may make one eligible change during this period.
Turning 65
Initial Enrollment
Your Medicare enrollment window generally spans seven months around your 65th birthday.
Special Circumstances
Special Enrollment Periods
Qualifying events such as moving or losing coverage may create additional enrollment opportunities.
Real People.
Personalized Medicare Guidance.
At The Bedrock Group, we are not here to change your Medicare. We are here to show you what's changing.
Personalized Support
We take the time to understand your doctors, medications, healthcare needs, and budget.
Coverage Comparisons
We help you compare available plans and understand important benefits, costs, and limitations.
Ongoing Medicare Reviews
We help you prepare for annual plan changes and important Medicare enrollment periods.
Local & Nationwide Service
Visit our New Albany office or connect with a licensed advisor serving your area.
Local Medicare Help in New Albany, Indiana and Beyond.
Your Local Medicare Resource.
Serving Clients Nationwide.
The Bedrock Group is located at 2659 Charlestown Road, New Albany, IN, where we help individuals and families throughout Southern Indiana, the Greater Louisville area, and across 48 states.
We also connect clients across the country with licensed Medicare advisors who can assist with coverage options available in their area. Whether you prefer to speak to someone in person or over the phone, we're here to help you understand your Medicare choices.
Office Hours:
M - TH: 9:00 - 3:00
F & SA: By Appointment
SU: Closed