Roanoke
Suite E-2840 Hershberger Rd.
Roanoke, VA 24017
Medicare
Medicare insurance simplified
Medicare is health insurance the federal government provides for people 65 and older, certain disabilities, and permanent kidney failure. Muneris Benefits helps Virginia residents make sense of Medicare and supplemental coverage options so you can choose with confidence.
Request a referral
Trusted local partner
Muneris Benefits
Medicare insurance simplified
Muneris Benefits helps Medicare beneficiaries compare Original Medicare, Medicare Advantage, Medicare Supplement, and Part D options with licensed local guidance. Epic and Easy refers Medicare requests to this Virginia partner so you can review plan choices with a team that has served the region since 1990.
Narrows
212 Main Street
Narrows, VA 24124
Trusted guidance before you enroll
It is easy to feel overwhelmed by the information you need to review before signing up for Medicare. You are likely to have many questions and need a trusted source for advice. Muneris can help. Their knowledgeable staff explains Medicare benefits and supplemental coverage options so you can make the best selection.
You need to sign up for Medicare about three months before you turn 65. Epic and Easy refers Medicare requests to Muneris Benefits — an independent Virginia brokerage that has assisted individuals and families with coverage needs since 1990.
Medicare plans explained:
Medicare Part A (Hospital Insurance)
Includes:
- Helps cover inpatient care in hospitals
- Skilled nursing facility, hospice, and home health care when conditions are met
- Premium-free Part A if you are 65 or older and you or your spouse paid Medicare taxes for at least 10 years
Why it helps:
- Most people do not pay a premium for Part A, but there are costs associated with coverage
- Part A has a per-benefit-period deductible that changes each year
- Part A pays 80% of your Medicare-approved charges
Medicare Part B (Medical Insurance)
Includes:
- Helps cover medically necessary doctors' services and outpatient care
- Helps cover some preventive services to maintain health and prevent illness from getting worse
- All Medicare beneficiaries must pay a Medicare Part B premium indexed to annual income
Why it helps:
- Part B premiums are deducted monthly from Social Security, Railroad Retirement, or Civil Service Retirement checks
- Part B has an annual deductible and pays 80% of Medicare-approved charges after the deductible
Medicare Part C (Medicare Advantage)
Includes:
- Combines Part A, Part B, and sometimes Part D under one plan
- Plans are managed by Medicare-approved private insurance companies
- All plans must offer all benefits of Original Medicare and can include Part D prescription drug coverage
Why it helps:
- Provides a choice in how you receive Medicare coverage
- Most plans include medical and prescription coverage combined
- Most plans have lower out-of-pocket costs than Original Medicare and include provider networks such as HMOs and PPOs
- All plans have a maximum out-of-pocket expense limit set by the government each year
Medicare Part D (Prescription Drug Coverage)
Includes:
- Helps cover prescription drugs and may help lower costs
- Available to anyone with Medicare Part A and/or Part B
- Medicare Advantage plans may also include drug coverage
Why it helps:
- Join a Medicare Prescription Drug Plan offered in your area
- Compare formularies and pharmacy networks for your medications
- Help protecting against higher prescription costs over time
Medicare Supplements (Medigap)
Includes:
- Private policies that fill gaps between Original Medicare coverage and out-of-pocket costs
- Help pay Part A and Part B deductibles, co-pays, and coinsurance
- May cover extras like extended hospital stays and foreign travel emergencies
Why it helps:
- You must be enrolled in Medicare Part A and Part B to purchase a supplement policy
- Standardized Medigap plans make it easier to compare options
- Licensed agents help you find the best available plans in your area based on your needs
Customer service
Includes:
- Support for Medicare Advantage, Supplement, and Part D questions
Why it helps:
- Customer support team ready to assist with all levels of support needs
- Muneris has assisted individuals and families with coverage needs since 1990
- If you are inquiring about Medicare Advantage or Part D, contact Muneris personally per CMS rules
How it works
Medicare is easy to overthink before you enroll. Tell us what you need and we'll connect you with Muneris Benefits — a trusted local partner who explains your options in plain language.
01
Tell us what you need
Share your zip code and whether you need help with Original Medicare, Medicare Advantage, Supplement, or Part D coverage.
02
We'll find a local expert
We'll review your request and refer you to a local, licensed Medicare insurance professional.
03
We make the introduction
When you are ready, we connect you with Muneris so you can compare plans and enrollment timing on your schedule.
Find the Medicare plans that fit you
Medicare Supplement and drug coverage options can be confusing. Request a referral through Epic and Easy and we'll introduce you to Muneris Benefits — licensed agents who help you compare Medicare Advantage, Supplement, and Part D plans available in your area.
Request a referral