Medicare

Helping You Navigate Medicare with Confidence

Turning 65 or becoming eligible for Medicare is an important milestone, but understanding your options isn’t always easy.

Original Medicare, Medicare Supplement Insurance, Medicare Advantage Plans, and Prescription Drug Plans all work differently, and choosing the right combination depends on your health, prescriptions, doctors, travel plans, and budget.

That’s where we can help.

Ready to Talk?

Whether you’re turning 65, planning for retirement, or simply reviewing your current Medicare coverage, we’re here to help.

Contact Burgmann Insurance Group to schedule your Medicare consultation. 

Looking for More Medicare Information?

We’ve created a dedicated Medicare education website designed specifically for individuals approaching Medicare or reviewing their current coverage.

There you’ll find educational articles, Medicare resources, answers to frequently asked questions, seminar information, and additional tools to help you better understand your options.

Visit YourTrustedMedicareSource.com 

Medicare Isn’t One-Size-Fits-All

Every person’s situation is unique.

Some people value predictable out-of-pocket costs. Others prefer lower monthly premiums. Some travel frequently, while others want access to a specific network of doctors.

Rather than recommending the same solution for everyone, we’ll help you understand your options so you can choose coverage that fits your individual needs and goals.

We Can Help You Understand

  • Original Medicare (Parts A & B)
  • Medicare Supplement Insurance (Medigap)
  • Medicare Advantage Plans (Part C)
  • Medicare Prescription Drug Plans (Part D)
  • Enrollment Periods
  • Coverage Reviews
  • Annual Plan Evaluations

Our goal is to educate you first, answer your questions, and help you make informed decisions with confidence.

Why Long-Term Care Coverage Matters

The cost of long-term care — whether in a nursing home, assisted living facility, or through in-home services — continues to rise every year. Many families are surprised to learn that Medicare and most health insurance plans do not cover these expenses.

Without a plan in place, the cost of long-term care can quickly deplete your savings and retirement income. That’s where long-term care insurance comes in — helping protect your assets, preserve your independence, and give your family peace of mind.

What Is Long-Term Care?

Long-term care provides assistance for people who can no longer perform everyday activities on their own due to chronic illness, disability, or cognitive impairment.

These activities — known as Activities of Daily Living (ADLs) — include:

  • Bathing
  • Dressing
  • Eating
  • Using the bathroom
  • Transferring (getting in or out of bed or a chair)
  • Continence

If you are unable to perform a certain number of these activities on your own, long-term care services may be needed — either temporarily or for an extended period of time.

What Does Long-Term Care Insurance Cover?

A long-term care policy can help pay for:

  • In-home care and caregiver assistance
  • Assisted living facilities
  • Nursing home care
  • Adult day care and respite services
  • Care coordination and support services

Having this coverage in place ensures that you can choose the type and location of your care — without relying solely on family or government programs.

Do You Need Long-Term Care Insurance?

You may not need long-term care insurance if:

  • You have very limited income and assets (Medicaid may cover your costs), or
  • You have enough financial resources to pay for care out of pocket.

However, most people fall somewhere in between — and that’s where long-term care insurance can make a major difference.

You might consider purchasing long-term care insurance if:

  • Your assets exceed $80,000, and
  • Your annual income is at least $35,000, and
  • You are between 40 and 84 years old and in reasonably good health.

Every situation is unique, so it’s important to discuss your options with an experienced agent who can help you find the right plan for your needs.

Benefits of Long-Term Care Insurance

  •  Protect Your Savings – Avoid using your retirement funds or home equity to pay for care.
  •  Preserve Independence – Choose where and how you receive care.
  •  Reduce Family Stress – Ease the emotional and financial burden on loved ones.
  •  Flexible Options – Choose coverage levels and benefits tailored to your needs and budget.

Why Choose Burgmann Insurance Group?

We believe Medicare decisions should begin with education—not pressure.

For years, we’ve helped thousands of individuals understand Medicare through one-on-one consultations, educational seminars, community classes, and ongoing support.

Our commitment doesn’t end once you enroll. We’re here to help whenever questions arise and as your needs change over time.