Helping you understand Medicare and its various options
Inpatient hospital, skilled nursing after a qualifying stay, and some hospice.
Most people get Part A premium-free if they or a spouse paid Medicare taxes long enough. It is not a blank check for every hospital bill. Deductibles, coinsurance days, and what counts as inpatient still matter. We walk Illinois clients through a typical stay before they assume “Medicare covers the hospital.”
Tap a point on the scene to learn more
The base medicare plan is the printed form. An endorsement is a taped-on change — adding coverage, taking it away, or renaming who is insured. Optional coverages ride along with the policy. Separate policies sit beside it.
Form names and availability vary by carrier. This is a map of add-ons we commonly shop in Illinois — not a promise that every company offers every item.
Base policy
Medicare plan
Hover an add-on to read it, then click to pin it here — a review list for your next conversation with an advisor.
Send this list to an advisor →We’ll open the contact form for this coverage so an advisor can help you decide which add-ons belong on the policy.
AEP timing, a hypothetical turning-65 story, and individual health coverage before Medicare.
October 15–December 7, Part D out-of-pocket caps, and what to bring to a plan review.
Open resource →Hypothetical Roselle couple — networks, supplements, and the guaranteed-issue window.
Open resource →ACA marketplace coverage if you are not yet eligible for Medicare.
Open resource →Term and permanent life, including final-expense conversations.
Open resource →Deductibles, networks, and other plan terms in plain language.
Open resource →Medicare plans and supplemental options have become more complex over time. Understanding Parts A, B, C, and D—and how add-ons fit together—helps you choose coverage with confidence.
We will compare premium, deductible, and what happens during a grace period if a payment is late so the plan you pick matches your doctors and budget.
Whether you are approaching eligibility or reviewing your current plan, explore the topics below or speak with an advisor who can walk you through your choices.
We will help you evaluate your needs so you can make an informed decision.
Request a Medicare quote to get started.
The same medicare plan add-ons from the explorer above, listed out. Form names and availability vary by carrier.
Separate policy
If you are not yet eligible for Medicare, individual health is a different conversation.
Medicare eligibility is age, disability, or ESRD — not a marketplace metal level. People under 65 still use ACA or, in limited cases, short-term medical. We do not enroll someone in Advantage who is not eligible. Bring your birthday and work coverage.
Learn more →Optional coverage
October 15 through December 7 — switch Advantage or Part D for January 1.
AEP is the yearly window for most Medicare Advantage and Part D changes. Missing it usually means waiting unless another enrollment period applies. We treat mid-October in Roselle as a deadline. Bring doctors, drugs, and last year’s explanation of benefits.
Separate policy
Original Medicare generally skips routine extras. Advantage allowances are not unlimited.
Most routine dental, vision, and hearing care is outside Original Medicare. Some Advantage plans add capped extras. Standalone policies still exist. We do not treat a small dental allowance as the quote your dentist actually gave.
Learn more →Separate policy
A small permanent life policy meant for funeral and last bills.
Final expense is life insurance, not a Medicare benefit. It does not pay hospital coinsurance. Families who want burial costs off the next generation get a separate life quote. We keep it off the Medicare comparison grid on purpose.
Learn more →Separate policy
A cash benefit for a hospital stay beside Medicare — not a substitute for Part A.
Hospital indemnity pays a scheduled amount per day or admission. It does not replace Part A, a supplement, or Advantage cost sharing. Some Illinois beneficiaries add it for deductibles they expect. We quote it as a sidecar, not as Medicare.
Learn more →Optional coverage
Delaying Part B or Part D without creditable coverage can raise premiums for good.
Medicare can add a penalty that does not expire if you go without Part B or creditable drug coverage too long. Employer coverage can delay the clock; COBRA and retiree plans need a closer look. We map work coverage before you turn 65.
Optional coverage
A private plan that bundles hospital, medical, and often drugs.
Advantage plans use networks and prior authorization. Extra benefits such as dental or hearing are limited and plan-specific. We check your specialists, hospitals, and drugs against the directory — not only the monthly premium — before anyone leaves Original Medicare.
Learn more →Optional coverage
Fills Part A and B deductibles and coinsurance when you keep Original Medicare.
Medigap sits on top of Parts A and B. You generally keep doctors who accept Medicare. The best time to buy without medical questions is a limited window around Part B. After that, underwriting can apply in Illinois. We compare standardized plan letters, not brand slogans.
Learn more →Optional coverage
Standalone drug coverage, or the drug benefit inside many Advantage plans.
Formulary, tiers, and your pharmacy decide whether Part D is affordable. The Inflation Reduction Act capped annual out-of-pocket spending on Part D drugs; the dollar amount is set each year. We match your medication list during Annual Election Period.
Learn more →ACA and Short-Term Medical Plans from Hausman-Kunkel Insurance in Roselle, IL. Independent agents compare Illinois coverage from multiple carriers since 1966.
Dental, Vision, and Hearing Plans from Hausman-Kunkel Insurance in Roselle, IL. Independent agents compare Illinois coverage from multiple carriers since 1966.
Final Expense Insurance from Hausman-Kunkel Insurance in Roselle, IL. Independent agents compare Illinois coverage from multiple carriers since 1966.
General Medicare from Hausman-Kunkel Insurance in Roselle, IL. Helping you understand general Medicare information and your various options.
Hospital Indemnity Plans from Hausman-Kunkel Insurance in Roselle, IL. Independent agents compare Illinois coverage from multiple carriers since 1966.
Medicare Advantage Plans from Hausman-Kunkel Insurance in Roselle, IL. Independent agents compare Illinois coverage from multiple carriers since 1966.
Medicare Part D from Hausman-Kunkel Insurance in Roselle, IL. Understanding the Medicare Part D prescription drug coverage available to you.
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