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With over 30 years in the industry, we are confident that we can help you take your business to the next level! Whether you are new to the business or a 20 year veteran, we are here to help. Take a moment to familiarize yourself with our exciting portfolio of carriers and products you will find that we only represent the best! Once you begin a relationship with Eldercare you will have access to nationwide quote engines, production reports, view company appointments, writing numbers in all states you are appointed just to name a few.

We offer customized lead programs, training from the best agents in the country, prospecting tools, contest incentives and much more. Our goal is not only to train you how to maximize your time doing what you do best, but also to build a relationship that last for many years to come. Our company is run by veteran agents that understand and respect what you need to be successful. You are not just a number to us! Call today and let us start working for you to ensure your continued success in the most booming industry in the country!

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We provide regular webinars and other training material to assit you.

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WHY ELDERCARE


With over 30 years in the industry, we are confident that we can help you take your business to the next level! Whether you are a new agent or a 20 year veteran, we understand that our investment in your success makes the difference in your career, and we are here to do exactly that. Take a moment to familiarize yourself with our exciting portfolio of carriers and products and you will find that we only represent the best. Once you begin a relationship with Eldercare you have access to our nationwide quote engine, Turning 65 leads, production reports, and writing numbers in all states you are appointed. All of these tools are right at your fingertips with our one-of-a-kind mobile app and mobile-friendly website.

Our experienced and educated team is just a phone call away to assist you with any issue at any time, and we won't leave you without a solution. We offer customized lead programs, prospecting tools, first-class incentives and much more! We pride ourselves on training you how to maximize your time doing what you do best, and developing a relationship with you as an individual. We are so confident you will be pleased with the services you receive through Eldercare that we offer an open release policy- if you ever become dissatisfied, you can walk away with no obligation. You are not just a number to us!

Prospective agents

The foundation for success at our company is loyalty to an entrepreneurial spirit. We guarantee our ability to offer the most competitive products with the best commissions available to offer the most competitive products with the best commissions available through our volume of sales and independent status. our young and energetic community of professionals create an environment of opportunity, success, innovation, an growth- all based on the foundation of 30 years of industry wisdom. Once you've been introduced to our ease of contracting and extensive portfolio of insurers, we're confident you will want to be part of our team!

Agents are our priority and it shows- thousands of agents trust us to provide them with the highest level of agent service and cutting edge technology to place them above the competition. Join them in their success... and join us to experience the Eldercare difference.

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Recent News


On November 8, 2024, the Centers for Medicare & Medicaid Services (CMS) released the 2025 premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs, and the 2025 Medicare Part D income-related monthly adjustment amounts. 

Medicare Part B Premium and Deductible

Medicare Part B covers physicians’ services, outpatient hospital services, certain home health services, durable medical equipment, and certain other medical and health services not covered by Medicare Part A.

Each year, the Medicare Part B premium, deductible, and coinsurance rates are determined according to provisions of the Social Security Act. The standard monthly premium for Medicare Part B enrollees will be $185.00 for 2025, an increase of $10.30 from $174.70 in 2024. The annual deductible for all Medicare Part B beneficiaries will be $257 in 2025, an increase of $17 from the annual deductible of $240 in 2024. 

The increase in the 2025 Part B standard premium and deductible is mainly due to projected price changes and assumed utilization increases that are consistent with historical experience.

Beginning in 2023, individuals whose full Medicare coverage ended 36 months after a kidney transplant, and who do not have certain other types of insurance coverage, can elect to continue Part B coverage of immunosuppressive drugs by paying a premium. For 2025, the standard immunosuppressive drug premium is $110.40.

Medicare Part B Income-Related Monthly Adjustment Amounts

Since 2007, a beneficiary’s Part B monthly premium has been based on his or her income. These income-related monthly adjustment amounts affect roughly 8% of people with Medicare Part B. The 2025 Part B total premiums for high-income beneficiaries with full Part B coverage are shown in the following table:

Full Part B Coverage
Beneficiaries who file individual tax returns with modified adjusted gross income: Beneficiaries who file joint tax returns with modified adjusted gross income: Income-Related Monthly Adjustment Amount Total Monthly Premium Amount
Less than or equal to $106,000 Less than or equal to $212,000 $0.00 $185.00
Greater than $106,000 and less than or equal to $133,000 Greater than $212,000 and less than or equal to $266,000 74.00 259.00
Greater than $133,000 and less than or equal to $167,000 Greater than $266,000 and less than or equal to $334,000 185.00 370.00
Greater than $167,000 and less than or equal to $200,000 Greater than $334,000 and less than or equal to $400,000 295.90 480.90
Greater than $200,000 and less than $500,000 Greater than $400,000 and less than $750,000 406.90 591.90
Greater than or equal to $500,000 Greater than or equal to $750,000 443.90 628.90


The 2025 Part B total premiums for high-income beneficiaries who only have immunosuppressive drug coverage are shown in the following table:

Part B Immunosuppressive Drug Coverage Only

Beneficiaries who file individual tax returns with modified adjusted gross income: Beneficiaries who file joint tax returns with modified adjusted gross income:

Income-Related Monthly Adjustment Amount

Total Monthly Premium Amount

Less than or equal to $106,000 Less than or equal to $212,000

$0.00

$110.40

Greater than $106,000 and less than or equal to $133,000 Greater than $212,000 and less than or equal to $266,000

73.60

184.00

Greater than $133,000 and less than or equal to $167,000 Greater than $266,000 and less than or equal to $334,000

184.10

294.50

Greater than $167,000 and less than or equal to $200,000 Greater than $334,000 and less than or equal to $400,000

294.50

404.90

Greater than $200,000 and less than $500,000 Greater than $400,000 and less than $750,000

404.90

515.30

Greater than or equal to $500,000 Greater than or equal to $750,000

441.70

552.10


Premiums for high-income beneficiaries with full Part B coverage who are married and lived with their spouse at any time during the taxable year, but file a separate return, are as follows: 

Full Part B Coverage

Beneficiaries who are married and lived with their spouses at any time during the year, but who file separate tax returns from their spouses with modified adjusted gross income:

Income-Related Monthly Adjustment Amount

Total Monthly Premium Amount

Less than or equal to $106,000

$0.00

$185.00

Greater than $106,000 and less than $394,000 

406.90

591.90

Greater than or equal to $394,000

443.90

628.90


Premiums for high-income beneficiaries with immunosuppressive drug only Part B coverage who are married and lived with their spouse at any time during the taxable year, but file a separate return, are as follows:

Part B Immunosuppressive Drug Coverage Only

Beneficiaries who are married and lived with their spouses at any time during the year, but who file separate tax returns from their spouses with modified adjusted gross income:

Income-Related Monthly Adjustment Amount

Total Monthly Premium Amount

Less than or equal to $106,000

$0.00

$110.40

Greater than $106,000 and less than $394,000 

404.90

515.30

Greater than or equal to $394,000

441.70

552.10

Medicare Part A Premium and Deductible

Medicare Part A covers inpatient hospitals, skilled nursing facilities, hospice, inpatient rehabilitation, and some home health care services. About 99% of Medicare beneficiaries do not have a Part A premium since they have at least 40 quarters of Medicare-covered employment, as determined by the Social Security Administration. 

The Medicare Part A inpatient hospital deductible that beneficiaries pay if admitted to the hospital will be $1,676 in 2025, an increase of $44 from $1,632 in 2024. The Part A inpatient hospital deductible covers beneficiaries’ share of costs for the first 60 days of Medicare-covered inpatient hospital care in a benefit period. In 2025, beneficiaries must pay a coinsurance amount of $419 per day for the 61st through 90th day of a hospitalization ($408 in 2024) in a benefit period and $838 per day for lifetime reserve days ($816 in 2024). For beneficiaries in skilled nursing facilities, the daily coinsurance for days 21 through 100 of extended care services in a benefit period will be $209.50 in 2025 ($204.00 in 2024). 

Part A Deductible and Coinsurance Amounts for Calendar Years 2024 and 2025
by Type of Cost Sharing

 

2024

2025

Inpatient hospital deductible

$1,632

$1,676 

Daily hospital coinsurance for 61st-90th day 

$408

$419 

Daily hospital coinsurance for lifetime reserve days

$816

$838 

Skilled nursing facility daily coinsurance (days 21-100)

$204.00

$209.50 

Enrollees age 65 and older who have fewer than 40 quarters of coverage, and certain persons with disabilities, pay a monthly premium in order to voluntarily enroll in Medicare Part A. Individuals who had at least 30 quarters of coverage, or were married to someone with at least 30 quarters of coverage, may buy into Part A at a reduced monthly premium rate, which will be $285 in 2025, a $7 increase from 2024. Certain uninsured aged individuals who have fewer than 30 quarters of coverage, and certain individuals with disabilities who have exhausted other entitlements, will pay the full premium, which will be $518 a month in 2025, a $13 increase from 2024. 

For more information on the 2025 Medicare Parts A and B premiums and deductibles (CMS-8086-N, CMS-8087-N, CMS-8088-N), please visit https://www.federalregister.gov/public-inspection

Medicare Part D Income-Related Monthly Adjustment Amounts

Since 2011, a beneficiary’s Part D monthly premium has been based on his or her income. Approximately 8% of people with Medicare Part D pay these income-related monthly adjustment amounts. These individuals will pay the income-related monthly adjustment amount in addition to their Part D premium. Part D premiums vary by plan and, regardless of how a beneficiary pays their Part D premium, the Part D income-related monthly adjustment amounts are deducted from Social Security benefit checks or paid directly to Medicare. Roughly two-thirds of beneficiaries pay premiums directly to the plan while the remainder have their premiums deducted from their Social Security benefit checks. The 2025 Part D income-related monthly adjustment amounts for high-income beneficiaries are shown in the following table:

Beneficiaries who file individual tax returns with modified adjusted gross income: Beneficiaries who file joint tax returns with modified adjusted gross income:

Income-related monthly adjustment amount

Less than or equal to $106,000 Less than or equal to $212,000

$0.00

Greater than $106,000 and less than or equal to $133,000 Greater than $212,000 and less than or equal to $266,000

13.70

Greater than $133,000 and less than or equal to $167,000 Greater than $266,000 and less than or equal to $334,000

35.30

Greater than $167,000 and less than or equal to $200,000 Greater than $334,000 and less than or equal to $400,000

57.00

Greater than $200,000 and less than $500,000 Greater than $400,000 and less than $750,000

78.60

Greater than or equal to $500,000 Greater than or equal to $750,000

85.80


Premiums for high-income beneficiaries who are married and lived with their spouse at any time during the taxable year, but file a separate return, are as follows: 

Beneficiaries who are married and lived with their spouses at any time during the year, but file separate tax returns from their spouses with modified adjusted gross income:

Income-related monthly adjustment amount

Less than or equal to $106,000

$0.00

Greater than $106,000 and less than $394,000 

78.60

Greater than or equal to $394,000

85.80

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