In this informative episode of The Mike Vilardi Show, Mike welcomes his friend Scott, an experienced insurance agent specializing in Medicare, to guide listeners through what can be a confusing and overwhelming topic — Medicare enrollment and options.
As Mike approaches his 65th birthday this July, he invites Scott to break down everything he needs to know, from eligibility to choosing between Medicare Advantage and Supplemental Plans.
Medicare Basics
Origins of Medicare (established in 1965)
Overview of the four parts: Part A (hospital), Part B (doctor/medical), Part C (Medicare Advantage), and Part D (prescription drugs)
Eligibility & Enrollment
You qualify for Part A with no premium if you've worked 10+ years (40 quarters)
Initial Enrollment Period (IEP): 3 months before, the month of, and 3 months after turning 65
Cost Overview
Part A deductible in 2025: $1,676
Part B premium in 2025: $185/month, with a $257 deductible
Medicare doesn’t fully cover all costs — many need Supplement or Advantage plans
Supplement vs. Advantage Plans
Medicare Supplement (Medigap):
Accepted by 99% of doctors
Higher premium but more freedom
Minimal out-of-pocket cost after deductible
Medicare Advantage (Part C):
Often has no premium
Includes extra benefits like dental, hearing, and vision
Typically includes drug coverage
HMO/PPO structures with network restrictions
Mike’s Unique Case
As a former federal employee, Mike’s employer plan serves as primary coverage, with Medicare as secondary
His plan may mirror benefits similar to Medigap Plan G coverage
Scott is an independent insurance agent representing 7–10 top-rated insurance companies, helping seniors make the best decision based on their location, health, budget, and lifestyle. He offers personalized guidance through every step of Medicare enrollment, including navigating plan networks, drug coverage, and additional benefits like vision and dental.
📋 Key Topics Covered:👥 Guest Bio – Scott, Medicare Specialist
