Tim Morgan
Licensed Insurance Agent

Tim Morgan
Licensed Medicare Advisor
(678) 333-9406
tim@alpharettainsurancega.com

Medicare Simplified

Alpharetta Insurance is dedicated to making the Medicare enrollment process simple, stress-free, and easy to understand. We take the time to get to know each client’s unique healthcare needs, ensuring that they are placed in a plan that fits their lifestyle, budget, and medical priorities. Beyond just enrollment, we serve as trusted advocates — providing ongoing support, guidance, and clear communication so clients are always aware of important updates and changes to their Medicare coverage. By combining personalized service with a commitment to the best customer service, we ensure that every client feels confident, supported, and well cared for in their Medicare journey.

Medicare Simplified

Alpharetta Insurance is dedicated to making the Medicare enrollment process simple, stress-free, and easy to understand. We take the time to get to know each client’s unique healthcare needs, ensuring that they are placed in a plan that fits their lifestyle, budget, and medical priorities. Beyond just enrollment, we serve as trusted advocates — providing ongoing support, guidance, and clear communication so clients are always aware of important updates and changes to their Medicare coverage. By combining personalized service with a commitment to the best customer service, we ensure that every client feels confident, supported, and well cared for in their Medicare journey.

Medicare Supplement (Medigap)

A Medigap plan helps pay for out-of-pocket expenses not covered by Original Medicare.

Key features:

  • Pays for some or all of Medicare’s deductibles, copays, and coinsurance
  • Allows you to see any doctor in the U.S. who accepts Medicare
  • Monthly premium required (varies by plan and location)
  • No network restrictions or referrals required
  • Does not include prescription drug coverage (requires separate Part D plan)
  • Does not include dental, vision, or hearing benefits

Medicare Advantage

Medicare Advantage is a private plan that replaces Original Medicare and often bundles additional benefits.

Key features:

  • Most plans include Part D prescription drug coverage
  • Often has $0 or low monthly premiums
  • Has an annual out-of-pocket maximum for added financial protection
  • Copays and coinsurance apply as you use services
  • Requires use of a provider network (HMO or PPO)
  • May offer extra benefits such as dental, vision, hearing

Prescription Drug Plan

Part D helps lower the cost of prescription medications and is offered through private insurance companies.

Key features:

  • Covers all prescriptions on the plan’s formulary, which may vary by plan
  • Available as a standalone plan with Original Medicare and Medigap
  • Included in most Medicare Advantage plans
  • Monthly premium required (varies by plan)
  • Delaying without other creditable coverage may lead to a permanent penalty