Medicare Insurance

Medicare Made Simple

Navigating Medicare can feel overwhelming, but it doesn’t have to be. At Klassen Insurance, we specialize in helping Minnesota seniors understand Medicare with clarity and care. Whether you're turning 65, retiring, or exploring options for the first time, I will guide you step by step — so you feel confident in every decision.

Schedule Your Free Medicare Consultation

What We Do for you

Understanding Medicare: Parts A, B, C, D & Medigap

Understanding Medicare: Parts A, B, C, D & Medigap

Medicare Part C (Medicare Advantage)

Combines Parts A & B, often including extra benefits like dental, vision, and prescription coverage. Learn more about Part C

Medicare Part A (Hospital Insurance)

Helps cover inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Learn more about Part A

Medicare Part D (Prescription Drug Coverage)

Helps cover the cost of prescription medications. Learn more about Part D

Medicare Part B (Medical Insurance)

Covers outpatient care, doctor visits, preventive services, and some home health care. Learn more about Part B

Medicare Supplement Plans (Medigap)

Helps pay for out-of-pocket costs not covered by Original Medicare, like copayments and deductibles. Learn more about Medigap

Who Is Eligible for Medicare?

Most people qualify for Medicare when they turn 65, but you may also be eligible earlier if you have certain disabilities. It’s important to know when and how to enroll to avoid penalties and ensure seamless coverage. Common scenarios include retiring at 65, transitioning off employer insurance, or needing extra coverage options. I am here to help you understand your eligibility and navigate each step with ease.

Medicare Advantage vs. Original Medicare + Supplement

One of the biggest decisions you’ll make is whether to choose a Medicare Advantage plan (Part C) or stick with Original Medicare plus a Supplement (Medigap).


  • Medicare Advantage: An all-in-one option that includes Parts A & B, often with added benefits and lower premiums, but with network restrictions.

  • Original Medicare + Medigap: Greater flexibility in choosing doctors and hospitals, with additional protection against out-of-pocket costs.

Not sure which is best? We will help you weigh your priorities and find the plan that fits your health needs and lifestyle. Learn more on our Medicare Advantage page and Medicare Supplement page.

How We Help with Medicare

With us, you’re never alone in the Medicare journey. We will:


  • Review your doctors and prescription needs to make sure they’re covered.
  • Compare plan options side by side and explain them clearly — no jargon.
  • Handle enrollment paperwork and deadlines for you.
  • Provide ongoing support whenever you need help or want to make changes.

Best of all, consultations are always free, with no obligation.

Key Medicare Enrollment Periods

Understanding when to enroll is just as important as choosing the right plan.


  • Initial Enrollment Period: Starts three months before you turn 65 and lasts for seven months.
  • Annual Enrollment Period: October 15 to December 7 — for making changes to your Medicare Advantage or Part D plan.
  • Special Enrollment Periods: Available if you experience certain life events, such as losing employer coverage.

For more details, visit our Enrollment Help & FAQs.

Get Help with Medicare Today

You don’t have to figure out Medicare alone. Klassen Insurance is here to simplify the process and help you choose the best plan with confidence.

Schedule Your Free Medicare Consultation