Call (309) 388-2224 to schedule a Real Conversation about Real Coverage
2001 W Willow Knolls Dr # 205 Peoria, IL
(309) 388-2224
(309) 388-2224
2001 W Willow Knolls Dr # 205, Peoria, IL 61614

M-F: 8:30am to 5pm
Sat-Sun: By Appointment Only

After hours consultations available by appointment only. Call to schedule.

What is Medicare?

Medicare is a federal health insurance program that gives you access to specific coverage and benefits. Medicare is different from health insurance you may have had before. It offers you a variety of coverage options — and it has key enrollment dates and guidelines you need to follow. We’re here to help you make sense of it all.

Call 309-606-4272


You may be surprised at the differences between Medicare and other types of health insurance.

If you’ve had health coverage through your employer, your plan likely included medical and prescription drug coverage, along with other benefits. It also may have covered both you and your spouse.

Medicare only covers one person at a time. This means you and your spouse must enroll separately. In addition, Medicare gives you options that can make it possible to receive your benefits in a variety of different ways.

You Can:

  • Choose hospital and medical coverage delivered through the federal government.
  • Add prescription drug coverage delivered through a private company.
  • Purchase a supplemental insurance policy from a private insurer that can help cover some of the costs.
  • Choose coverage from a private insurer that combines hospital, medical and often prescription drug coverage into one plan.

In short, with Medicare you can choose coverage that fits your needs, budget and lifestyle. We can help you take full advantage of that freedom.


  • Age 65 +
  • Under age 65 with certain disabilities
  • Have End-Stage Renal Disease (ESRD)


If you’re like most people, you’ll enroll in Medicare around the time you turn 65. Your Initial Enrollment Period begins three months before your 65th birthday, includes the month you turn 65 and ends three months after that birthday.

Keep in mind that if you don’t get Medicare during this Initial Enrollment Period, you may have to pay Medicare Part B or Part D late enrollment penalties. Plus, you could be missing out on coverage and benefits that can help protect your health and finances. That’s why it’s generally a good idea to enroll as soon as you can. How you enroll generally depends on if you’re getting benefits from Social Security, the Railroad Retirement Board or the Office of Personnel Management.

If you’re receiving benefits from any of these sources at least four months before you turn 65:

  • You’ll automatically get Medicare Part A and Part B starting the first day of the month you turn 65.
  • If your birthday is on the first day of the month, Part A and Part B will start the first day of the prior month.

If you’re not receiving benefits from any of these sources at least four months before you turn 65:

  • You’ll need to sign up with Social Security to get Medicare Part A and Part B.
  • You can apply online at, at your local Social Security office or by calling Social Security at 1-800-772-1213 (TTY: 1-800-325-0778).
  • If you worked for a railroad, call the RRB at 1-877-772-5772.

If you’re under 65 and have a qualifying disability, you’ll automatically get Part A and Part B:

  • After you get disability benefits from Social Security for 24 months.
  • After you get certain disability benefits from the RRB for 24 months.
  • The month your disability benefits begin if you have ALS (Amyotrophic Lateral Sclerosis, also called Lou Gehrig’s Disease).

If you have ESRD (End-Stage Renal Disease), you can choose to enroll in Part A and Part B:

  • You’ll need both Part A and Part B to qualify for the full benefits that cover certain dialysis and kidney transplant services.
  • You can apply online at, at your local Social Security office or by calling Social Security at 1-800-772-1213 (TTY: 1-800-325-0778).


Turning 65 doesn’t always mean you have to sign up for Medicare right away — especially if you’re still working. If you or your spouse are actively employed by a company with 20 or more employees and you’re receiving health insurance through that employer, you can:

  • Stay with the employer health plan as your primary coverage and delay Medicare enrollment.
  • Enroll in Medicare Part A and use it as secondary coverage to help pay for things the employer health plan doesn’t cover.
  • Choose to delay enrolling in Medicare Part B until the employment ends or the coverage stops, without paying late enrollment penalties if you enroll later.


Have a real conversation with a 309 Insurance Solutions representative to have all of your questions answered and to learn more about Medicare plans available in our area.

You can click the button below left for an online contact form, below right for online Medicare enrollment or call 309-606-4272 to talk about Medicare to a licensed insurance agent.

Frequently-asked Questions

These are a few of the questions we get the most often about us and our business.

If your question isn’t among them, please use our Contact form and we’ll get an answer to you as soon as we can.

Why do I need an insurance agent?

Life is hard enough to navigate alone and insurance is even harder. We have a real conversation so we can get you the right coverage. At 309 Insurance we will do all the searching for you so you don’t have to.

Are you licensed to sell insurance in my state?

We’re license in over 16 states and adding more each month. Illinois, Iowa, Indiana, Wisconsin, Michigan, Alabama, Florida, Georgia, North Carolina, South Carolina, Nebraska, Ohio, Pennsylvania, Texas, Virginia, and Washington currently working on more.

How much does insurance cost?

Insurance cost varies by the person or business. There’s no “one size fits all” so we have a real conversation about real coverage. Call (309) 388-2224 to schedule a free consultation today.

Who will take care of the claims process?

Filing a claim can be overwhelming. At 309 Insurance Solutions customer Service is what we do. If you are having issues you can call one of our specialist to help assist you in the process.