Visit with

Mirau Capital Management

to Help you with your Medicare Planning

Get started in 3 easy steps:

Discover

Schedule a visit with us to sit down and discover what your Medicare gameplan will look like.

Evaluate

Using in depth research, we'll examine your Medical needs, and determine the best Medicare option for you.

Plan

Receive a custom comparison of Medicare plans to help you reach your unique Medicare goals.

Consultation

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Medicare Basics

  1. 1. Medicare is health insurance for people age 65 or older, those younger than 65 with certain disabilities, and people of any age with end-stage renal disease (ESRD).
  2. There are four parts:
    1. Part A (hospital coverage)
    2. Part B (medical coverage)
    3. Part C (Medicare Advantage plans)
    4. Part D (prescription drug coverage)
  3. You can choose between original Medicare (Parts A and B) or a Medicare Advantage plan (Part C), then if you will want/need prescription drug coverage (Part D).
    1. If you choose original Medicare, you then choose if you want/need a Medicare Supplement plan to help cover the “gaps” that Parts A and B don’t cover.

MEDICARE SUPPLEMENT

What is a Medicare Supplement? Private health insurance designed to supplement original Medicare (Parts A and B) by filling “gaps” in original Medicare coverage.

  • Higher monthly premiums
  • Helps cover remaining cost that original Medicare doesn’t (out-of-pocket costs are typically less)
  • Rates may vary based on age/sex
  • Underwritten (with a few exceptions)
  • Standardized benefit plans (only rates vary)
  • Guaranteed renewable plans
  • Sales can be made throughout the year
  • Typically can go to any doctor or hospital

MEDICARE ADVANTAGE

What is Medicare Advantage? Private health insurance that provides Part A and B coverage and other extras, potentially including dental, vision and hearing coverage; wellness programs; etc. Most include Medicare prescription drug coverage (Part D).

  • Lower monthly premiums
  • Co-pays and out-of-pocket expense usually higher
  • Same rates regardless of age/sex
  • Guaranteed issue (except for ESRD)
  • Benefits vary by plan
  • Annual plan approved by Centers for Medicare & Medicaid Services (CMS)
  • Restrictions on when sales can be made
  • Network plans (HMO, PPO) or no-network (private fee-for-service)

Medicare Advantage Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. 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. Availability of benefits and plans varies by carrier and location. Deductibles, copays and coinsurance may apply. Plans purchased after initial enrollment period are subject to eligibility requirements.

Securities and advisory services offered through Madison Avenue Securities, LLC (“MAS”), a registered broker-dealer and investment advisor. Member FINRA & SIPC. Mirau Capital Management, Inc. and MAS are not affiliated entities.

We are an independent insurance agency. Our firm is not affiliated with or endorsed by the U.S. government or the federal Medicare program. 11/23 - 3215893

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Do You Need MORE Than Medicare?

While Medicare can cover a lot of health care costs, it doesn’t cover all of them. Medicare supplement plans can offer a wide range of additional coverage to help handle other costs for care in retirement.

To help you navigate the process, we’ve created a guide, “5 Simple Steps to Choosing the Medicare Supplement Plan for You.” This guide will help you better understand supplement plans as you compare your cost and benefit options going forward.

Sign up now to receive this complimentary guide by filling out the form below.

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Offices:

Toll Free: 888.668.9327 | Fax: 888.539.3924 | Email: admin@miraucapital.com

1860 Sudderth Drive
Ruidoso, NM 88345

6070 Gateway Blvd. East, Suite 210
El Paso, TX 79905

7600 Jefferson St. NE, Suite 25
Albuquerque, NM 87109

Offices of Convenience:

Toll Free: 888.668.9327 | Fax: 888.539.3924

1100 S Main St, Suite 2
Las Cruces, NM 88005

205 N Lucas Dr.
Grapevine, TX 76051

See what our clients are saying about us

Earl and Mary P.

“We had already retired, but needed a plan and a different way of investing. After out initial meeting and seeing how professional this group was, we felt we were working with honest people who had integrity and showed care about us as individuals. They helped show us a path to manage our estate. We are so grateful for their advice.”
“These testimonials were given by current clients of our firm. These testimonials are for illustrative purposes only and may not be representative of the experience of every client. Your results may vary.”

Johnnie A.

“When Brian Mirau and his Team at Mirau Capital say that they are "Dedicated to helping you build, protect and preserve your assets. I've been letting them do that for almost 20 years and have never regretted following their advice. I'm always impressed by their promptness, competence and caring; every client is an individual, not a number.”
“These testimonials were given by current clients of our firm. These testimonials are for illustrative purposes only and may not be representative of the experience of every client. Your results may vary.”

Tim G.

“Before I met the professionals at Mirau Capital I felt like retirement was out of reach. My financial accounts were scattered and I really didn’t have a solid plan in place for the long term. Working with this great group has changed that. I now can confidently say, I have a plan to retire someday! Having someone trustworthy who I can call upon with questions really means a lot to me, they always make time for me. God bless.”
“These testimonials were given by current clients of our firm. These testimonials are for illustrative purposes only and may not be representative of the experience of every client. Your results may vary.”

Larry M.

To the extent that there are so many choices to make in terms of a financial advisor, and to the extent that the proper choice is crucial, is to the extent that I feel you and your firm excel in this field, and as I mentioned prior. For the peace and security that your financial advice has provided me and my family, I sincerely want to express my gratitude. Thank you for all you have done for me, I have no doubt that you will guide me through these troubled economic times.
“These testimonials were given by current clients of our firm. These testimonials are for illustrative purposes only and may not be representative of the experience of every client. Your results may vary.”