Local Medicare Guidance, Personalized for You
Compare Medicare Plans with Trusted Advisors
Understand the Four Parts of Medicare
Turning 65 or retiring soon? You don’t have to figure Medicare out alone. At Schatz Benefits, we help Minnesotans understand their options and choose a plan that fits; whether it’s Medicare Advantage, Medicare Supplement, or a stand-alone Part D prescription plan. No pressure. No jargon. Just real help from real people who care.
Hospital & Medical Insurance
Medicare Parts A & B
Together, Parts A & B form Original Medicare. Part A covers hospital stays, skilled nursing, hospice, and some home health care-often premium-free. Part B includes outpatient care like doctor visits, preventive screenings, lab work, and medical equipment. A monthly premium usually applies.
Important if: You're turning 65, coming off employer coverage, or want access to both inpatient & outpatient care..
Medicare Advantage
Medicare Part C
All-in-one plans from private carriers that bundle Parts A & B, and usually Part D. Plus extra benefits like dental, vision, and gym memberships.
Great for: Those who prefer one card, one plan, and added perks.
Prescription Drug Coverage
Medicare Part D
Covers many common prescriptions. Plans vary by pharmacy network, formulary, and cost. We help you review your medications and choose smartly.
Great for: Anyone on Original Medicare who takes prescriptions.
Medicare Supplemental
Medigap
Helps cover the out-of-pocket costs that Original Medicare (Parts A & B) doesn't-like deductibles, copays, and coinsurance. Medigap plans are sold by private insurers and work alongside Original Medicare, not in place of it.
Important if: You want predictable healthcare costs and freedom to see any provider that accepts Medicare.
How Medicare Parts A, B, C & D work
Get the Facts Before You Choose a Plan
Join a Free Medicare Educational Workshop
Confused about Medicare? You’re not alone. That’s why we host free educational workshops (online and in person) where we break it all down in plain English. No sales pitch. Just a friendly space to learn the basics, ask questions, and understand your options before you enroll.
How Medicare Parts A, B, C & D work
When and how to enroll
How to avoid penalties and gaps in coverage
The difference between Advantage and Supplement plans
You Deserve More Than a Call Center
We Make Medicare Easier
We’ve helped thousands of Minnesotans choose Medicare coverage with confidence. Our team explains your options clearly, double-checks your medications and providers, and makes sure you’re never stuck figuring it out alone. Whether you want in-person help or prefer a phone or Zoom call, we’re ready when you are.
Offices in Burnsville & Stillwaterlle & Stillwater
Serving all 87 Minnesota counties
Licensed agents with no-cost, unbiased help
Trusted Education Minnesota partner
Virtual and in-person appointments available
Common Questions from People Just Like You
When should I start the Medicare enrollment process?
Most people can enroll up to 3 months before their 65th birthday. If you're retiring later, we’ll help time your coverage correctly.
What’s the difference between Medicare Advantage and Supplement plans?
Advantage plans bundle coverage with networks and added perks. Supplements fill the “gaps” in Original Medicare and give more flexibility with doctors.
Can I change plans later?
Yes—there are specific times of year you can review and switch. We help you track those windows and review plans annually.
Will I need a prescription drug plan?
If you're not enrolling in Advantage with drug coverage, yes. Stand-alone Part D plans help avoid penalties and keep medication costs down.
What if I’m retiring after 65?
No problem. We'll coordinate your transition from employer coverage to Medicare and make sure you don’t have a gap.