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Welcome to Medicare Supplement Services!

Understanding Medicare benefits should be simple. Medicare Supplement Services has broken down Medicare Parts A, B, C, and D, so you can spend less time figuring it out and more time living your life.

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About Cheryl Cloke

I assist seniors and the disabled transition from traditional health insurance to Medicare by assisting them with their Medicare enrollment process and choosing which Medicare supplement is the best for them. I also help people save money on what they already have by switching them to other companies that offer same coverage for a lower price.

​Cheryl Cloke can work with you, personally, or with your retirees and/or employees for Medicare. She can assist you with general Medicare questions, explain your available options, analyze costs and benefits, recommend a plan that meets your needs and suits your budget, and covers your doctors and hospitals.

Getting connected with Cheryl is easy. Click on “Schedule an Appointment,” complete the form, and Cheryl will reach out to you to schedule a day, time, and location that’s convenient for you. She can assist you either over the phone or in person!

How Can I make Sure That I Am Selecting The Right Plan For Me?

Medicare Supplement, Medicare Advantage, Part D drug coverage — the options seem endless! Don’t worry, Medicareful is here to help. By entering your zip code above, you’ll unlock the Medicare plans available in your area. You can navigate them on your own or leave it to our professionals who can guide you to a plan based on your needs.

Trusted Partners

We partner with thousands of experienced independent licensed sales agents from all over the country so we can offer you the local one-on-one attention you deserve.

​From experience, we know how complex Medicare is and that people who work with trusted independent licensed sales agents are far more confident in their choices. It’s our job to help you find your plan, and we’re happy to do it.


Medicare Supplement ServicesMedicare Supplement Services Medicare Supplement Services

What Are The 4 Parts of Medicare?

Hospital Insurance

​Part A is one of two parts that make up Original Medicare. It helps cover inpatient care in hospitals, care in skilled nursing facilities, hospice care, and some home health care.

Medical Insurance

​Part B is the second half of Original Medicare. It helps cover certain services from doctors and other health-care providers, outpatient care, home health care, durable medical equipment, and some preventive services.

Medicare Advantage

​Part C covers all Part A and Part B benefits and services; may offer additional coverage, like vision, hearing, and dental; and may also include Medicare prescription drug coverage (most do). Medicare Advantage plans are offered through Medicare-approved insurance companies. You will find a number of options that may vary based on the county in which you live.

Prescription Drug Coverage

​Like Part C, Part D is run by Medicare-approved, private insurance companies. It helps cover the cost of prescription drugs, and may help lower prescription drug costs and protect against future price increases.

What Optional Medicare Coverage is available to me?

Medicare provides a lot of coverage, but it doesn’t cover everything. If you need supplemental coverage, then Medicare Supplement insurance may be for you.

​Medicare Supplement policies supplement Original Medicare. They can help you pay for some of the health-care costs associated with Original Medicare, including co-payments, coinsurance, and deductibles. Some policies also cover services that Original Medicare doesn’t, like medical care outside of the U.S.

​Medicare Supplement policies are sold by private insurance companies and have a monthly premium. In order to qualify for them, you must have Medicare Part A and Part B.

Free Information

We help do the Medicare research for you!  Find reliable, accurate, up-to-date info below!

Medicare is complex, and there’s a lot of useful—and some not so useful—information out there.

That’s where Medicareful comes in. We provide current, clear, and trustworthy information to help make Medicare easier to understand.

To simplify the complicated world of Medicare for you, we’ve broken it down into its four main parts, the coverage available, and a formula for determining which type to get.

Medicare Supplement Services

Please View Documents Under The Map In Our Business Information Block To Download This Report!


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  • Nicholas Ricci 4 months ago
    star star star star star

    Cheryl is exceptional at what she does and truly cares about helping those about to go on Medicare select the proper plan which works best for them. It is confusing with all the options and she can guide you to make the right choices. Everyone who becomes eligible for Medicare should use her services to avoid making costly errors in medical coverage. Also, the best part is, her services are free.

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