Medicare Made Simple
Medicare Guidance for Clients in Illinois, California & Beyond
Navigating Medicare in Illinois
Medicare can feel overwhelming, especially for those encountering Parts A, B, C, and D for the first time. At Spectrum Insurance Services, Jerry McCullough helps seniors in Rolling Meadows, IL, throughout California, and across several states understand how Medicare works and which options best fit their healthcare needs.
Many people also ask about the difference between Medicare and Medicaid. Simply put, Medicaid is income-based assistance, while Medicare is earned through your work history and provides healthcare benefits once you turn 65 or qualify early due to disability.
Understanding the Basics
Medicare Plan Options Explained
There’s no one-size-fits-all Medicare plan. Spectrum provides clear explanations of your choices:
Medicare Part A (Hospital Insurance)
Medicare Part A helps cover the costs of inpatient hospital care, skilled nursing facility stays, hospice care, and certain home health services. Think of it as protection for major medical needs like surgeries, emergencies, or recovery periods requiring extended care.
Medicare Part B (Medical Insurance)
Medicare Part B covers medically necessary services and supplies used for diagnosing and treating health conditions. It also includes preventive care such as screenings, check-ups, and vaccinations. Examples of what Part B covers include outpatient visits, ambulance services, lab tests, mental health care, and some clinical research.
Medicare Part C (Medicare Advantage)
Medicare Part B covers medically necessary services and supplies used for diagnosing and treating health conditions. It also includes preventive care such as screenings, check-ups, and vaccinations. Examples of what Part B covers include outpatient visits, ambulance services, lab tests, mental health care, and some clinical research.
Medicare Part D (Prescription Drug Coverage)
Medicare Part D helps cover the cost of prescription medications, which are not included under Parts A and B. Plans vary by formulary (the list of covered drugs), so it’s important to choose one that matches your prescriptions. Spectrum Insurance Services in Schaumburg, IL is a Part D certified agency, which means Jerry McCullough and his team are qualified to guide you in comparing drug plans and enrolling in the option that best fits your needs.
Our Medicare Services
Spectrum Insurance assists with every stage of Medicare: initial enrollment, comparing plans, completing applications, and conducting annual reviews during Open Enrollment. With decades of local experience, Jerry ensures Illinois clients receive guidance that reflects both federal Medicare rules and state-specific considerations.
Medicare Made Simple
Why Choose Spectrum for Medicare
Unlike many agents tied to one carrier, Spectrum provides independent advice. Jerry takes time to answer every question, explain trade-offs, and review how plans affect real healthcare needs. This local knowledge makes a difference—understanding Illinois providers and coverage networks is key when selecting a plan.
Get Started with Medicare
Schedule a consultation to explore your Medicare options. Spectrum’s services come at no extra cost to you—insurers pay brokers, not clients. That means you get unbiased advice with zero added fees.
