NAVIGATING MEDICARE
WITH CONFIDENCE & DRIVE
START Your JOURNEY
Are you ready to embark on your Medicare journey and explore all your health plan options?
I'm here to help you navigate the path to the right coverage. Simply fill out the form below, and I will be in touch with you shortly to schedule an appointment.
SWITCH PLANS
Medicare Advantage Open Enrollment Period (MA OEP) begins in...
DAYS
HOURS
MINS
SECS
JAN 1 - MAR 31
In a Medicare Advantage Plan? You can switch during this time.
Find out more -> HERE
SCHEDULE YOUR
FREE Appointment
To kickstart your adventure, I'd like to invite you to choose your preferred "meeting waypoint." Whether you'd like to chat in the comfort of your home, at a cozy coffee shop, or even amidst the hustle and bustle of Walmart – the choice is yours!
In-Home Appointment
Local Meeting Place
Franklin & Shelbyville Walmart
BEN MURRAY
Independent Insurance Broker
Welcome to "Just North of 65" your trusted go-to destination for advice, comparisons, and insights whether you are just starting or looking to recalibrate your Medicare journey.
I'll be your local, trusted guide, helping you navigate the intricacies and wide selection of Medicare options and plans, ensuring you're on the right path, every trip around the sun.
So, fasten your seatbelt, and let's embark on this adventure together!
TESTIMONIALS
James - Plainfield
"I'm currently battling prostate cancer, so I was surprised when Ben was able to find a plan where ALL my prescriptions were $0 each! And I have several! Saved me $1000 this year!"
Betty - Shelbyville
“My husband has always had a Supplement Plan, but I decided to switch to an Advantage plan because I thought it fit my needs better. I check with Ben every year to make sure the plan I chose is still the best one for me.”
MEDICARE
PARTS & PLANS
Many people confuse Medicare "parts" and "plans" but is important to know they are different.
PART A
HOSPITAL INSURANCE
(Original Medicare) Helps cover:
• Inpatient care in hospitals
• Skilled nursing facility care
• Hospice care
• Home health care
PART B
MEDICAL INSURANCE
(Original Medicare) Helps cover:
• Services from doctors
• Outpatient care
• Home health care
• Medical Equipment
• Preventative Services
PART C
MEDICARE ADVANTAGE PLANS
These “bundled” Medicare-approved plans from private carriers include Part A, Part B, & usually Part D, along with additional benefits in some plans like dental, vision, hearing, & spending allowances.
PART D
DRUG COVERAGE
Helps cover:
• Cost of prescription drugs
MEDIGAP
MEDICARE SUPPLEMENT INS.
Policies sold by private insurance companies that help pay some of the remaining health care costs for covered services and supplies, like copayments, coinsurance, and deductibles, that Original Medicare doesn't cover.