At HRaspirin, Inc., a proud CWA union shop, we’re dedicated to helping retirees make confident Medicare decisions. Our licensed professionals explain your options clearly, compare plans from trusted carriers, and help you enroll — all by phone or video. No paperwork. No confusion.
Our team leader, Grady Burlsworth, walks you through your options step-by-step — from enrolling in Original Medicare (Parts A & B) to exploring Medicare Advantage, Medigap, or Part D plans. We help you understand every benefit and cost before you enroll, so you can make a confident choice
Comparing plans can be confusing — that’s where we come in. HRaspirin’s licensed agents will help you evaluate your doctors, prescriptions, and budget to find the right coverage. We’ll explain each option in plain English so you can feel secure about your healthcare decisions.
Your relationship with us doesn’t end at enrollment. We provide year-round support to answer questions, review your plan during renewal periods, and ensure you always have the coverage that fits your needs.
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Retirees guided through Medicare decisions
Plans tailored to members’ unique needs
Retired union members receiving ongoing Medicare support
Offered by the Federal Government
Part A (Hospital Insurance): Helps pay for hospital stays and inpatient care.
Part B (Medical Insurance): Helps pay for doctor visits and outpatient services.
💡 Important: If you delay enrolling in Part B when first eligible, you may owe a lifetime penalty that increases yearly.
If you cancel Part B, you can’t re-enroll until January — and penalties may still apply.
Once enrolled in Original Medicare, you can choose one of two paths to expand your protection and benefits.
Option 1 — Medicare Advantage (Part C)
A Medicare Advantage plan combines hospital, medical, and often prescription coverage into one convenient plan.
-Combines Part A + Part B, usually Part D
-Often adds dental, vision, and hearing
-Many plans offer $0 monthly premiums and extras like transportation or fitness
Best for: Retirees who want an all-in-one plan with added benefits.
Prefer to stay on Original Medicare? You can enhance it with supplemental plans to fill the gaps.
Medigap (Medicare Supplemental Insurance): Covers the 20 % Original Medicare doesn’t pay, including copays and deductibles.
Medicare Part D: Stand-alone prescription drug coverage.
Dental and Vision Plans: For routine and preventive services like cleanings, exams, and eyewear.
Best for: Retirees who want flexibility, predictable costs, and nationwide doctor access.
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