Business Details
3 Years
experience
Your Trusted Medicare Insurance Broker in Veneta, Oregon
At Garner's Insurance, we specialize in guiding Oregon residents through the complexities of Medicare plan selection. As a licensed independent health insurance agency serving Lane County, we represent multiple carriers to provide unbiased comparisons of Medicare Advantage, Supplement, and Prescription Drug Plans. Our team prioritizes client education, offering free consultations to help beneficiaries understand their coverage options, enrollment periods, and out-of-pocket costs.With a focus on personalized service, we advocate for clients' best interests while maintaining transparency about premium costs and plan limitations. Our office in Veneta provides local expertise with statewide reach, ensuring clients receive comprehensive support throughout the Medicare enrollment process and beyond.
Services
Medicare Advantage Plans
Medicare Supplements
Prescription Drug Plans
Dental Vision Hearing Plans
Details
- Year established: 2023
Highlights and features
- We offer free Medicare plan consultations with licensed agents
- Our team represents multiple carriers for unbiased plan comparisons
- We provide personalized guidance through complex Medicare enrollment processes
- Our agents maintain Oregon state licensing for local compliance expertise
- We advocate for client interests without charging additional fees
What people say
So much help
Knowledgeable
Painless process
Professional
Save money
Services
Medicare Advantage Plans
Medicare Advantage Plans combine hospital and medical coverage with additional benefits like prescription drugs. These private insurance plans replace Original Medicare while maintaining emergency nationwide coverage. Our agents help compare network restrictions, out-of-pocket maximums, and premium costs across available carriers in Oregon.
Medicare Supplements
Medicare Supplements cover deductibles and co-insurance gaps in Original Medicare. These standardized plans from multiple carriers work nationwide without network restrictions. We assist clients in selecting appropriate coverage levels during enrollment periods while explaining premium variations between providers.
Prescription Drug Plans
Prescription Drug Plans help manage medication costs through formulary-based coverage. We compare premiums, deductibles, and drug coverage lists to find optimal plans. Our services include late enrollment penalty prevention guidance and annual plan reviews to ensure continued medication coverage.
Dental Vision Hearing Plans
Dental Vision Hearing Plans provide coverage for routine care not included in Original Medicare. These plans often serve as riders to Medicare Advantage policies. We help clients evaluate additional premium costs against expected benefits for preventive dental, vision, and hearing services.
People
Alison Garner
Health Insurance Broker
Alison Garner is a licensed Medicare insurance broker in Oregon with expertise in plan comparisons and enrollment assistance. She specializes in helping clients navigate Medicare Advantage, Supplement, and Prescription Drug Plans while maintaining transparent communication about coverage limitations and premium costs.
Questions
When can I enroll in Medicare plans?
Initial enrollment occurs 3 months before to 3 months after turning 65. Annual changes can be made October 15-December 7 for January 1 effective dates.
What's the difference between Medicare Advantage and Supplements?
Medicare Advantage replaces Original Medicare with network-based plans including drug coverage. Supplements work with Original Medicare to cover deductibles and co-insurance without network restrictions.
Do I need a Part D prescription plan?
Original Medicare doesn't cover prescriptions. You should enroll in Part D or choose a Medicare Advantage plan with drug coverage to avoid late penalties.
How much do your services cost?
Our services are free to clients as we receive commissions from insurance carriers. You pay the same premium whether working directly with carriers or through our agency.
Can I keep my current doctors?
Medicare Supplements allow any Medicare-accepting provider. Medicare Advantage plans require using network providers for maximum benefits except in emergencies.
What areas do you serve?
We primarily serve Lane County including Eugene, Springfield, and Veneta, with statewide availability for Oregon Medicare plan comparisons and enrollment assistance.
