There’s a lot to learn about Medicare. We’re here to help you understand the Medicare basics, your different coverage options, enrollment and more. Through helpful resources and tools, discover the information you need to make confident Medicare decisions.
Medicare is individual health insurance offered to U.S. citizens and other eligible individuals based on age, disability or qualifying medical condition. Medicare coverage includes Medicare Part A and Part B (Original Medicare) offered by the federal government, and Medicare Advantage (Part C) and Part D prescription drug coverage, which are offered by private insurance companies. Medicare supplement insurance (Medigap) plans are also offered by private insurance companies and help pay for some out-of-pocket expenses that Medicare Part A and Part B don’t pay.
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We are one of the few Independent Medicare Brokers who let you generate your own quotes with actual carrier names and rates. Why? Because the vast majority of folks realize whether you go direct to the carrier or use an independent broker, your rate is the same. It’s built in already, but with us, you have a medicare advocate to help you with claims, drug denials, and if a carrier has a steep rate increase we shop out the market for an A rated carrier with a new company with lower rates. We’ve saved our clients thousands over the years. How? Because we educate, empower, and then enroll in right company. We are your Medicare Advocates for the entirety of your medicare life. Contact us
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all 43 states.
May River Medicare beneficiaries are served in 43 states. Unlike other agents and brokers, we provide lifelong support for your policy and deliver exceptional customer service.
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Also known as Medicare Part C
Combines Original Medicare (Parts A and B) benefits
Provides additional benefits like dental, hearing and vision
Premiums as low as $0 per monthfootnote4
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What is Medicare?
The federal health insurance program for:
- People who are 65 or older
- Certain younger people with disabilities
- People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD)
What are the parts of Medicare?
The different parts of Medicare help cover specific services:
- Medicare Part A (Hospital Insurance)
Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. - Medicare Part B (Medical Insurance)
Part B covers certain doctors’ services, outpatient care, medical supplies, and preventive services. - Medicare Part D (prescription drug coverage)
Helps cover the cost of prescription drugs (including many recommended shots or vaccines).
How does Medicare work?
With Medicare, you have options in how you get your coverage. Once you enroll, you’ll need to decide how you’ll get your Medicare coverage.
Original Medicare includes Medicare Part A
Original Medicare includes Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance). You pay for services as you get them. When you get services, you’ll pay a
deductible at the start of each year, and you usually pay 20% of the cost of the Medicare-approved service, called coinsurance. If you want drug coverage, you can add a separate drug plan (Part D).Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like copayments, coinsurance, and deductibles. Some Medigap policies also cover services that Original Medicare doesn’t cover, like emergency medical care when you travel outside the U.S.
Medicare Advantage
Medicare Advantage is Medicare-approved plan from a private company that offers an alternative to Original Medicare for your health and drug coverage. These “bundled” plans include Part A, Part B, and usually Part D. Plans may offer some extra benefits that Original Medicare doesn’t cover — like vision, hearing, and dental services. Medicare Advantage Plans have yearly contracts with Medicare and must follow Medicare’s coverage rules. The plan must notify you about any changes before the start of the next enrollment year.
Medicare prescription drug coverage (Part D)
Medicare drug coverage helps pay for prescription drugs you need. To get Medicare drug coverage, you must join a Medicare-approved plan that offers drug coverage (this includes Medicare drug plans and Medicare Advantage Plans with drug coverage).
May River Insurance Agency Satisfied Clients
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May River Medicare Insurance Team
Founded in 2011 in Bluffton, South Carolina, May River Medicare Insurance is an independent medicare brokerage agency licensed with over 30 different national insurance carriers such as Blue Cross Blue Shield, Aetna, Cigna, Mutual of Omaha and many other A-rated carriers. Although the bulk of our business is concentrated in Bluffton, Hilton Head, Beaufort and all of Georgia, we are licensed over 32. Over the years, we’ve educated empowered and enrolled clients in the ideal medicare plans based on their particular needs rather than the needs of the insurance carriers-we are the best-kept secret in the medicare business. We pass our wealth of medicare knowledge on to you – absolutely free. There is never a charge for our services. May River Medicare consulting is free.
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Christopher Dewey
Founder
11 years of experience, certified Medicare Agents.
Meg
Social Security Disability Attorneys
Meg graduated from the University of Georgia in 1986. In 2005, I launched my own practice with social security disability law being the firm’s sole practice area.
Roxie
licensed Medicare agent
Experience included working with Special Needs students who also struggled with learning and emotional disabilities.
Ms. Tim
Client Relations Department
help you when you run into any issues with your insurance company or problems with unpaid claims..
Trusted Partners
Compare Medicare Supplement Insurance Plans.
You can fill the gaps in Original Medicare with supplemental Medicare coverage. Here are your options.
Client Testimonials
Don’t take our word for it – here’s what our clients say:
As a senior researching and trying to learn about all the nuances of the Medicare plans and jargon. I think nothing is better than to have an agent you can trust to guide you through all of this. And that is what we did. Chris did all the researches and report back to us as to which ones out of several he had picked, that is more suitable for the two of us. And once we have chosen the plan we like, he went ahead and help us sign up online as we follow through on our computer screen via zoom. And if we have any questions, Chris is quick to have the answer for us. We are delighted to share this experience with everyone who is looking for help with your Medicare questions and signup. And don't forget, you don't have to pay anything extra to Chris, the Insurance agent. The Insurance carrier you picked will take care of that part. Good luck.
Hi EveryoneChris Dewey is the best Medicare Insurance Agent that you will ever find. He thinks long-term and gets you the best insurance company with the lowest rates, and only recommends them if that have a proven track record of maintaining these low rates. Medico in South Carolina is one perfect example. Very competitive rates today with small increases expected in the future. He recommends the program that is best for you, not the one that pays the highest commission. Remember, Medicare part N must be the same exact program no matter which insurance company is doing the underwriting - the US government sets the definitive rules that all insurance carriers must adhere to. Bottom line - chose Medicare Part N from the insurance company with the lowest rates. Chris will help you do that.One other great move that Chris did for this current calendar year of 2024, was move me out of Aetna Part D Drug into Wellcare because Aetna raised there premium for 2024 and Wellcare costs only $0.50 premium per month for coverage that I believe will be even better. Chris did what was best for the customer, not for his wallet. Great job and thanks.
May River Medicare, and it's all thanks to Chris Dewey.What sets Chris apart is his genuine care and attention to detail. He took the time to understand my unique healthcare needs, guiding me towards a Medicare plan that suits me perfectly. His expertise and knowledge of the healthcare industry are impressive, and he explained everything in a way that was easy to understand.Chris's friendly demeanor and willingness to go the extra mile truly made me feel valued as a customer. He not only helped me select the right plan but also assisted in the enrollment process, making it a stress-free experience.Thank you, Chris, and the May River Medicare team, for providing outstanding customer service and making the Medicare enrollment process a breeze. Your dedication to your customers is truly commendable.I highly recommend May River Medicare Insurance...
Chris is great. He found the best Medicare insurance that best fits our individual needs. He does his homework before talking to you about the plans that are available. He is very helpful and I would recommend him to anyone. There should be more Chris’s out there that are this dedicated to their work. Keep up the great work Chris! Thanks again.
Ms. Roxie Goodman has been very helpful with all of my questions and I really appreciate her
You are the first broker to contact us after the first year. Great service ,we always had to contact them.Thank You Santo & Sue Gionfriddo
My husband and I have been with Chris @ Mayriver Medicare over 5 years now! The reason why we have stayed with Chris is because he chose the correct Medicare Supplement for both of us based on our income and the amount we could allow in having the Medicare Supplement and a stand alone Prescription plan....in addition to the Life Insurance plans he can write also! Everything he does, he does with the customer in mind and their needs first and foremost! May River Medicare is CUSTOMER FIRST based! Our Medicare Supplement plan premium is still at a great rate. It is so simple---all you do is meet the Deductible (which as we all know will change a little every year) and after that you do not have to worry about receiving a BIG 20% Bill from the providers! We already know what our bill will be after we meet the deductible---for PLAN N! I have learned what a difference the choice between Plan G and Plan N can be...$$$ wise! And the BILL I am talking about is the excess charge the DR can charge, which runs anywhere from $0.00 up to $20!!! It never goes above that amount! That's how I know what our bills will be IF the DR charges the excess charge! It feels great knowing you already know what the amount of your bill will be without even opening the envelope!! Here is our personal experience example: one year ago this past March, my husband had Ankle surgery---well, in March 2022 he lacked just a small amount meeting his Medical deductible---of course for surgery clearance he had to go through having his heart, lungs ( oxygen output), because he is a smoker, etc...he met is deductible with the heart Dr! When we receive the EOB and I saw the DRs charges and the hospital charges (for using the operating room), as an outpatient (charge was $37,000 plus!) and that was for the hospital alone! I went to my husband and said look! This is why we have a Medicare Supplement Plan N!If it were not for us having the ability to be on a Supplement plan, we would be paying 20% charges to every provider we see! That is the difference between Medicare Supplements (Medi Gap) plans and Medicare Advantage plans----the Out of Pocket Costs! Now who can predict what their bill will be after this kind of surgery??? And Providers costs are not going to get lower either!! Bottom line, if you need a good medical plan and can make room in your budget to pay for the Medicare Supplement plan and a great prescription plan to fill the gap for your medications---call Chris Dewey @ May River Medicare in Bluffton, SC!! or go online and Request a quote!!! Do it today!!
As a senior researching and trying to learn about all the nuances of the Medicare plans and jargon. I think nothing is better than to have an agent you can trust to guide you through all of this. And that is what we did. Chris did all the researches and report back to us as to which ones out of several he had picked, that is more suitable for the two of us. And once we have chosen the plan we like, he went ahead and help us sign up online as we follow through on our computer screen via zoom. And if we have any questions, Chris is quick to have the answer for us. We are delighted to share this experience with everyone who is looking for help with your Medicare questions and signup. And don't forget, you don't have to pay anything extra to Chris, the Insurance agent. The Insurance carrier you picked will take care of that part. Good luck.
Hi EveryoneChris Dewey is the best Medicare Insurance Agent that you will ever find. He thinks long-term and gets you the best insurance company with the lowest rates, and only recommends them if that have a proven track record of maintaining these low rates. Medico in South Carolina is one perfect example. Very competitive rates today with small increases expected in the future. He recommends the program that is best for you, not the one that pays the highest commission. Remember, Medicare part N must be the same exact program no matter which insurance company is doing the underwriting - the US government sets the definitive rules that all insurance carriers must adhere to. Bottom line - chose Medicare Part N from the insurance company with the lowest rates. Chris will help you do that.One other great move that Chris did for this current calendar year of 2024, was move me out of Aetna Part D Drug into Wellcare because Aetna raised there premium for 2024 and Wellcare costs only $0.50 premium per month for coverage that I believe will be even better. Chris did what was best for the customer, not for his wallet. Great job and thanks.
May River Medicare, and it's all thanks to Chris Dewey.What sets Chris apart is his genuine care and attention to detail. He took the time to understand my unique healthcare needs, guiding me towards a Medicare plan that suits me perfectly. His expertise and knowledge of the healthcare industry are impressive, and he explained everything in a way that was easy to understand.Chris's friendly demeanor and willingness to go the extra mile truly made me feel valued as a customer. He not only helped me select the right plan but also assisted in the enrollment process, making it a stress-free experience.Thank you, Chris, and the May River Medicare team, for providing outstanding customer service and making the Medicare enrollment process a breeze. Your dedication to your customers is truly commendable.I highly recommend May River Medicare Insurance...
Chris is great. He found the best Medicare insurance that best fits our individual needs. He does his homework before talking to you about the plans that are available. He is very helpful and I would recommend him to anyone. There should be more Chris’s out there that are this dedicated to their work. Keep up the great work Chris! Thanks again.
Ms. Roxie Goodman has been very helpful with all of my questions and I really appreciate her
You are the first broker to contact us after the first year. Great service ,we always had to contact them.Thank You Santo & Sue Gionfriddo
My husband and I have been with Chris @ Mayriver Medicare over 5 years now! The reason why we have stayed with Chris is because he chose the correct Medicare Supplement for both of us based on our income and the amount we could allow in having the Medicare Supplement and a stand alone Prescription plan....in addition to the Life Insurance plans he can write also! Everything he does, he does with the customer in mind and their needs first and foremost! May River Medicare is CUSTOMER FIRST based! Our Medicare Supplement plan premium is still at a great rate. It is so simple---all you do is meet the Deductible (which as we all know will change a little every year) and after that you do not have to worry about receiving a BIG 20% Bill from the providers! We already know what our bill will be after we meet the deductible---for PLAN N! I have learned what a difference the choice between Plan G and Plan N can be...$$$ wise! And the BILL I am talking about is the excess charge the DR can charge, which runs anywhere from $0.00 up to $20!!! It never goes above that amount! That's how I know what our bills will be IF the DR charges the excess charge! It feels great knowing you already know what the amount of your bill will be without even opening the envelope!! Here is our personal experience example: one year ago this past March, my husband had Ankle surgery---well, in March 2022 he lacked just a small amount meeting his Medical deductible---of course for surgery clearance he had to go through having his heart, lungs ( oxygen output), because he is a smoker, etc...he met is deductible with the heart Dr! When we receive the EOB and I saw the DRs charges and the hospital charges (for using the operating room), as an outpatient (charge was $37,000 plus!) and that was for the hospital alone! I went to my husband and said look! This is why we have a Medicare Supplement Plan N!If it were not for us having the ability to be on a Supplement plan, we would be paying 20% charges to every provider we see! That is the difference between Medicare Supplements (Medi Gap) plans and Medicare Advantage plans----the Out of Pocket Costs! Now who can predict what their bill will be after this kind of surgery??? And Providers costs are not going to get lower either!! Bottom line, if you need a good medical plan and can make room in your budget to pay for the Medicare Supplement plan and a great prescription plan to fill the gap for your medications---call Chris Dewey @ May River Medicare in Bluffton, SC!! or go online and Request a quote!!! Do it today!!
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