Medicare

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Medicare is a federal health insurance program for: People aged 65 or older; People with qualifying disabilities; or People with End-Stage Renal Disease (ESRD)

Your Medicare Solutions Just Got Easier

Do you have questions about your Medicare coverage? Are you looking to review your options? Researching your Medicare options can be a daunting task… until now! Empower FCU members can now receive individualized help with their Medicare coverage!  

Empower FCU has partnered with Hill Insurance Service in order to provide our members with a trusted agency to help make the Medicare process a little easier.

The Hill Insurance Service is an Independent Life and Health Insurance agency that specializes in helping educate clients on their Medicare choices. We represent multiple insurance companies and offer a variety of products designed to protect seniors, including Medicare Supplements, Medicare Advantage Plans (Part C), and Medicare Prescription Drug Plans (Part D).

There are multiple parts to the Medicare puzzle

Part A (Hospital Insurance)
Original Medicare: Helps cover inpatient care in hospitals, skilled nursing facility care, hospice care, and home health care.
Part B (Medical Insurance)
Original Medicare: Helps cover - Services from doctors and other health care providers; Outpatient care; Home health care; Durable medical equipment (like wheelchairs, walkers, hospital beds, and other equipment); Many preventive services (like screenings, shots or vaccines, and yearly “Wellness” visits)
Part C (Medicare Advantage)
Medicare Advantage is a Medicare-approved plan from a private company that offers an alternative to Original Medicare for your health and drug coverage. These “bundled” plans include Part A, Part B, and usually Part D.
Part D (Drug Coverage)
Helps cover the cost of prescription drugs (including many recommended shots or vaccines). You join a Medicare drug plan in addition to Original Medicare, or you get it by joining a Medicare Advantage Plan with drug coverage. Plans that offer Medicare drug coverage are run by private insurance companies that follow rules set by Medicare.
Medicare Supplemental Insurance (Medigap)
Extra insurance you can buy from a private company that helps pay your share of costs in Original Medicare. Policies are standardized, and in most states named by letters, like Plan G or Plan K. The benefits in each lettered plan are the same, no matter which insurance company sells it.
Not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. Dollar cost averaging, A systematic investment plan does not assure a profit and does not protect against loss in declining markets. Such a plan involves continuous investment, so investor should consider financial ability to continue purchases through periods of low price levels.