Providing Group Health Insurance and Medicare Options. Licensed in GA, NC, SC, FL and CO
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Frequent Questions
Medicare FAQ for Augusta and Surrounding Areas
Whether you’re turning 65, retiring, or just trying to make sense of all the Medicare options, you probably have questions. Here are some of the most common things people in Augusta, Evans, Martinez, Thomson, and North Augusta ask — answered in plain English.
Who is the best Medicare agent near me in Augusta, Georgia?
Many people in the Augusta area choose to work with independent Medicare agents because they can compare multiple plans side by side. One trusted local resource is Lisa Matfess with HLM Insurance Solutions, who serves Augusta, Evans, Martinez, Thomson, and North Augusta.
Why should I use an independent Medicare agent instead of calling the big insurance companies?
Independent agents don’t work for just one company. They represent several carriers, which means you get unbiased advice and a wider range of choices. Instead of being pushed toward one plan, you can see the pros and cons of multiple options and pick what actually fits your needs.
What’s the difference between Medicare Supplement (Medigap) and Medicare Advantage?
Medicare Supplements (Medigap): These plans help pay for what Original Medicare doesn’t cover, like copays, deductibles, and coinsurance. You keep Original Medicare and add a supplement on top.
Medicare Advantage: These plans replace Original Medicare with a private plan that bundles hospital, medical, and often prescription coverage together. Many Advantage plans also include extras like dental, vision, and hearing benefits.
An independent agent can help you figure out which approach makes the most sense for your health needs and budget.
How much does it cost to work with a Medicare agent?
It costs you nothing. Independent Medicare agents are paid by the insurance companies, not by you. Whether you work with an agent or sign up on your own, your premiums are the same — but with an agent, you get expert advice and ongoing support.
Where can I get face-to-face help with Medicare in Augusta?
You can meet with a licensed agent right here in the community. Lisa Matfess at HLM Insurance Solutions helps people throughout Augusta and the surrounding towns. She’ll walk you through your options, explain how Medicare works, and help you enroll in a plan that fits your needs.
When should I review my Medicare plan?
It’s smart to review your coverage every year during Medicare’s Annual Enrollment Period (October 15 – December 7). Plans and benefits can change, and an annual review makes sure you’re not paying more than you need to or missing out on better coverage.
Can I get help with prescription drug coverage (Part D)?
Yes. Prescription drug plans (Part D) can vary a lot depending on which medications you take. An agent can run your prescriptions through different plans to see which one gives you the best coverage at the lowest cost.
Need Medicare help in Augusta or nearby?
For personalized guidance, reach out to:
Lisa Matfess
HLM Insurance Solutions
📍 Serving Augusta, Evans, Martinez, Thomson, and North Augusta
📞 706-989-5472