Not Affiliated with the Federal Government or Medicare Program: BW Pyles Insurance Agency LLC and Midwest Medicare Health Services are not connected with or endorsed by the U.S. government or the federal Medicare program. We are an independent, licensed insurance agency. Medicare has neither reviewed nor endorsed the information on this website.
Plan Availability & Benefits: Not all Medicare plans are available in all areas. Plan availability, premiums, deductibles, copayments, coinsurance, and covered benefits vary by plan, carrier, and geographic location. Benefits, formularies, and plan details are subject to change each plan year. Please review the Evidence of Coverage (EOC) for complete plan details.
Enrollment Periods: Medicare has specific enrollment periods. Enrolling outside of your Initial Enrollment Period (IEP), Annual Enrollment Period (AEP: October 15 – December 7), or a qualifying Special Enrollment Period (SEP) may result in late enrollment penalties or a delay in coverage. Contact us or visit Medicare.gov for official enrollment information.
Medigap / Medicare Supplement: Medicare Supplement Insurance (Medigap) policies are sold by private insurance companies. Medigap policies do not cover prescription drugs. You must have Medicare Part A and Part B to purchase a Medigap policy. Premiums, benefits, and underwriting requirements vary by carrier and state. Guaranteed issue rights may apply in certain situations.
Medicare Advantage (Part C) & Part D: Medicare Advantage and Medicare Part D plans are offered by private insurance companies that contract with Medicare. Enrollment in a Medicare Advantage plan may affect your ability to purchase a Medigap policy in the future. Out-of-network coverage may be limited or unavailable depending on plan type. Drug formularies are subject to change. The Low Income Subsidy (Extra Help) program may be available to qualifying individuals.
No Obligation & Privacy: Requesting a quote or scheduling a consultation does not obligate you to enroll in any plan. By submitting your contact information, you consent to be contacted by a licensed insurance agent representing BW Pyles Insurance Agency LLC. We do not sell or share your personal information with unaffiliated third parties for marketing purposes.
Licensing: BW Pyles Insurance Agency LLC is a licensed insurance agency. Agents are licensed to sell Medicare insurance products in applicable states. Illinois License: 123456789 | NPN: 3345250.
For official Medicare information, benefits, and plan comparisons, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY: 1-877-486-2048, 24 hours a day, 7 days a week.
