In the Know

Product Glossary

(Part A) Hospital Insurance: Helps cover inpatient care in hospitals, inpatient skilled nursing facility (not long term care), Hospice and home health care services.

(Part B) Medical Insurance: Helps cover medically necessary doctors' services, outpatient care, home health services durable medical equipment and other medical services.

(Part C) Medicare Advantage Plan:  Includes all benefits and services covered under Part A and Part B. The plans are provided through Medicare-approved private insurance companies.  Usually, the plans include prescription drug plans know as Part D.

(Part D) Prescription Drug Plan:  The plans help cover costs of prescription drugs.  The plans are provided through private insurance companies.     


Medicare Supplement Plan:  Every Medigap policy must follow federal and state laws designed to protect you and it must be clearly identified as Medicare Supplemental Insurance.  Private insurance companies can sell you only STANDARDIZED policies identified in most states by Plan letters A-N.  For an example, a Plan F will have the same basic benefits but at a different rate with different companies.  Some plans may offer additional benefits at no extra cost with their Medicare Supplement plans..

Medically Necessary: Health care services or supplies needed to prevent, diagnose, or treat an illness, injury, condition, disease, or its symptoms and that meet accepted standards of medicine.

Formulary: A list of prescription drugs covered by a prescription drug plan or another insurance plan offering prescription drug benefits.

Extra Help: A Medicare program to help people with limited income and resources pay Medicare prescription drug plan costs, like premiums, deductibles and coinsurance.

When, What, Why

When do I get my Medicare?  

 If you are already getting benefits from Social Security or the Railroad Retirement Board (RBB), you will automatically get Pat A and Part B starting the month you turn 65.  Under 65 and disabled, you will automatically get your Part A and Part B after you get your disability benefits from Social Security for 24 months or certain disability benefits for the RRB for 24 months.

What happens to my Affordable Care Act (ACA)  health insurance when I receive my Medicare? 

 You must accept Medicare and you can remove yourself off of a family ACA plan or cancel your single coverage ACA plan and continue with Medicare as your health plan.  If you need additional health coverage to your Medicare, you can select Medicare Supplements or Medicare Advantage Health Plans. 

What Plans and Coverages are available to me through private insurance companies? 


Medicare Advantage, Medicare Supplement, prescription drug plans, dental/vision, hospital indemnity, life insurance plans and travel insurance plans.


Why select companies within the Network? 

 A or A-plus rated companies, insurance coverage within the USA and abroad and plans that meet your individual needs and budget.

In the News

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Contact Information

Whittle Insurance Network





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Physical Address

22853 State Highway 59 North

Suite 4

Robertsdale, AL  36567                            

Mailing Address   
Post Office Box 2545
Robertsdale, AL 36567