K6 Resources

Medicare-Uncomplicated

Let us help you navigate the Medicare insurance process
& find the plan that works best for you!

Your k6 Resources team

Kimberly Sixkiller

FOUNDER, INSURANCE PROFESSIONAL

Kim’s passion in senior advocacy helps to ensure that seniors today have an understanding of the health and wellness packages available as part of their Medicare choices. She believes that with a thorough understanding of both the pros and cons of Medicare Supplements, Medicare Advantage, and the gaps in Medicare itself that require ancillary products; she can ensure a client has access to the medical services they need – without red tape, delays, or breaking the bank.

Stay up to date on the latest news and resources related to Medicare. Connect with us!

WHAT IS MEDICARE

Medicare is our Federal Insurance Program designed for people 65 years or older, certain people with disabilities, and those with permanent kidney failure treated with dialysis or a transplant. Also known as Original Medicare, there are 2 Parts to Medicare - Part A (hospital insurance), and Part B (medical insurance).

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MEDICARE ELIGIBILITY

A US citizen or permanent resident who has lived here at least 5 years can enroll in Medicare 3 months before or after they turn 65. One can also enroll if they've been receiving Social Security disability benefits for at least 24 months, or if they have end-stage renal disease or ALS (Lou Gehrig's Disease).

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MEDICARE ENROLLMENT

Those receiving Social Security, Railroad Retirement, or disability benefits, will be automatically enrolled in Medicare Part A & B, and sent an Initial Enrollment Package with Medicare Card 3 months prior to a 65th birthday or 24th month of disability. Others will need to file an application through the Social Security Administration.

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MEDICARE SUPPLEMENTS

Also known as Medigap, Medicare Supplements are insurance policies that help one pay the out-of-pocket costs (coinsurance & copayments) of Medicare. Some will also help cover emergency care that may be needed when traveling outside the U.S. (which Medicare won’t do).

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MEDICARE ADVANTAGE

Medicare Advantage (Part C) are private health plans that contract with the federal government to provide the same Medicare benefits included with Original Medicare (Part A & B); however, different costs, rules, and restrictions may apply, and added benefits may be offered above what Original Medicare provides.

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MEDICARE
PART D

MEDICARE PART D

Original Medicare does not cover the cost of prescription drugs. Medicare Part D is the insurance plan that covers the cost of outpatient prescription drugs.

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VA BENEFITS & MEDICARE

A veteran may be eligible for Veterans Affairs (VA) benefits. VA benefits are administered by the federal government and include health care, among other benefits. Medicare and VA benefits do not work together, though one can be enrolled in both. Medicare will not pay for any care received at a VA facility though.

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DENTAL, VISION, & HEARING

DENTAL, VISION & HEARING

Original Medicare does not include dental, vision, or hearing benefits, so generally there will be out-of-pocket costs for any dentures, hearing aids, or any eye wear needs. Fortunately, Medicare recipients can purchase a dental, vision, or hearing (DVH) insurance plan to help offset these costs.

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CANCER
PLANS

CANCER PLANS

Insurance policies that supplement your current health plan to offset the costs associated with a cancer diagnosis. Benefits generally include hospital stays, surgery, radiation, chemotherapy, and other types of cancer treatment, though they can vary by plan.

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TESTIMONIALS

“Just wanted to let you know, we can’t say enough about how much we appreciate you helping my parents find insurance. It is almost unbelievable how much money they are saving! I was worried that this was going to be a long process and wasn’t sure they would save any money, but the process was fast, easy and they are saving a lot of money. Thank you so much! I will recommend your company to anyone I know that is looking for supplemental insurance! Thanks again!! ”

Happy Clients

“Kim was a gem to work with. We were so stressed about what to do and how to make sure the coverage we picked let us keep our doctors, and took care of us if something happened, but she was incredibly patient and went through all the options and then helped guide us to fill out forms for a life change to reduce our monthly Medicare payment. For as busy a woman, she always made Doug and I feel like the most important priority she had! ”

“I found that working with Kim Sixkiller for my Medicare needs was a true advantage. She is pleasant, patient, and very knowledgeable. Navigating all there is to know about Medicare is not easy, but I found that Kim listened to my needs and worked hard to find the best vehicle to suit my needs.

She took the time and explained to me in detail, the different plans available. I have a medical condition so that needed to be taken into account too. Kim saved me time and money, but more importantly, put forth much effort to present me with a policy that suits me and my needs.

Kim is an invaluable resource for anyone who needs help with Medicare and I am grateful for her assistance.”

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Whether you are just now approaching 65 and need help understanding the alphabet soup of Medicare’s offerings, or you’ve had a plan for a some time, we are here to support you!

For Agents

Medicare-Uncomplicated

Let us help you navigate the Medicare insurance process
& find the plan that works best for you!

Overwhelmed by Medicare Options?

Your k6 Resources team

Kimberly Sixkiller