Turning 65
Getting ready for Medicare?
Learn about enrollment timing, Medicare Parts A and B, prescription coverage and the different ways you can receive your Medicare benefits.
Medicare Guidance
Medicare Doesn't Have to Feel Complicated.
Whether you're approaching 65, new to Medicare, or already enrolled, we're here to help you better understand your options and make informed decisions with confidence.
Our licensed insurance professionals can help you understand Medicare, review your individual needs, and explore the Medicare insurance options we are authorized to offer.
Educational. Personal. No obligation to enroll.
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The CMS-required Third Party Marketing Organization (TPMO) disclaimer and the verified organization and product counts have not been entered yet.
An administrator must enter the current disclaimer text, MEDICARE_ORGANIZATION_COUNT and MEDICARE_PLAN_COUNT supplied or approved by our FMO/carrier compliance department in Medicare Compliance before this section can go live. These numbers must never be calculated or estimated.
Start Where You Are
Where Are You in Your Medicare Journey?
Choose the description that fits you best. Each one starts the same simple, educational conversation.
New to Medicare
Not sure where to begin?
We'll help explain the different pieces of Medicare and the questions you may want to consider before making coverage decisions.
Already on Medicare
Want to review your current coverage?
Plans, provider networks, formularies, costs and individual circumstances can change. A Medicare review can help you understand your current coverage and available options.
Helping Someone I Love
Helping a spouse, parent or family member?
Medicare can be overwhelming when you're trying to help someone else navigate it. We can help your family understand the process and available resources.
Medicare 101
Understanding the Pieces of Medicare
A plain-language look at how Medicare is organized.
Part A
Hospital Insurance
Medicare Part A generally helps cover inpatient hospital care, skilled nursing facility care, hospice care and certain home health care.
Part B
Medical Insurance
Medicare Part B generally helps cover physician services, outpatient care, preventive services and certain medical equipment and services.
Part C
Medicare Advantage
Medicare Advantage plans are offered by private insurance companies approved by Medicare and provide Medicare Part A and Part B benefits. Many plans also include Part D prescription drug coverage.
Part D
Prescription Drug Coverage
Part D provides prescription drug coverage through private plans approved by Medicare.
Medigap
Medicare Supplement
Medicare Supplement insurance is private insurance designed to help pay certain out-of-pocket costs in Original Medicare. Medicare Supplement is different from Medicare Advantage.
There is no single Medicare solution that's right for everyone. Your healthcare providers, prescriptions, budget, travel, other coverage and personal priorities can all be important considerations.
Two Paths
Two Different Ways to Receive Your Medicare Benefits
Neither path is better in general. They are simply different structures.
Original Medicare
Medicare Part A + Part B
May be paired with:
- Standalone Part D prescription drug coverage
- Medicare Supplement / Medigap coverage
Medicare Advantage
Medicare Part C
Offered by private insurance companies approved by Medicare.
- Plans provide Medicare Part A and Part B benefits
- Many plans may include Part D prescription drug coverage
The right fit depends on the individual. That's why we start by understanding you.
What We Review
Your Medicare Review Starts With You.
We don't believe Medicare guidance should begin with a particular insurance company. It should begin with understanding your needs.
Your Doctors
Primary care providers, specialists and healthcare systems that matter to you.
Your Prescriptions
Your medications, dosages and preferred pharmacies.
Your Current Coverage
Medicare, employer coverage, retiree benefits, VA/TRICARE, Medicaid or other coverage.
Your Budget
Premiums and potential out-of-pocket healthcare costs.
Your Lifestyle
Travel, time spent outside Oregon and how you prefer to access healthcare.
Your Priorities
Provider flexibility, predictability, prescription coverage and other factors that matter to you.
Then we can help you understand the options available through the insurance organizations we are authorized to represent.
How It Works
A Simple Place to Start
- 1Tell Us What You NeedComplete our brief Medicare Roadmap so we understand where you are in your Medicare journey.
- 2Talk With a Licensed ProfessionalWe'll help answer your Medicare questions and explain the different coverage paths that may be available.
- 3Review Your OptionsWhen appropriate, we'll review relevant options from the insurance organizations we are authorized to represent, based on your individual circumstances.
- 4You DecideThere is no obligation to enroll. You make the decision that's right for you.
Medicare Roadmap
Let's Start With Your Medicare Roadmap.
Tell us a little about where you are in your Medicare journey and what you'd like help understanding.
No Social Security number, Medicare ID or payment information is requested.
Medicare Education
Prefer to Learn First?
Sometimes the best first step is simply understanding how Medicare works.
We offer educational resources and local Medicare educational events designed to help individuals and families better understand Medicare before making coverage decisions.
The Bigger Picture
Medicare May Be One Piece of a Bigger Picture.
Families often come to us with one question and discover there are several things they need help navigating.
Legacy Navigation connects older adults and their families with trusted resources for important life transitions. If you'd like help with one of these, just tell us — we'll handle it as its own separate conversation.
Questions
Medicare Questions We Hear Often
Have Medicare Questions? Let's Start There.
Whether you're approaching Medicare for the first time or want help understanding your existing coverage, we're here to make the process easier to navigate.
No obligation to enroll.
Medicare Disclosure
Legacy Navigation and/or the applicable licensed insurance agency is not connected with or endorsed by the U.S. government or the federal Medicare program.
Administrator placeholder
The CMS-required Third Party Marketing Organization (TPMO) disclaimer and the verified organization and product counts have not been entered yet.
An administrator must enter the current disclaimer text, MEDICARE_ORGANIZATION_COUNT and MEDICARE_PLAN_COUNT supplied or approved by our FMO/carrier compliance department in Medicare Compliance before this section can go live. These numbers must never be calculated or estimated.
- There is no obligation to enroll.
- Enrollment in a Medicare plan depends on contract renewal and eligibility.
- Plan availability varies by service area.
- We can only discuss and offer the Medicare insurance products of the insurance organizations we are authorized to represent. For information on all of your options, contact Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week.
Licensing Information
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Licensing information has not been verified and entered yet. An administrator must add the licensed agent name, agency legal name, DBA, Oregon insurance license information, NPN, states licensed and business contact details in Medicare Compliance. Unverified licensing information is never displayed.
Questions? Call us at (541) 613-7386 or contact Medicare directly at 1-800-MEDICARE (TTY 1-877-486-2048) or Medicare.gov.