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Understanding Medicare's Options
Medicare Enrollment Periods
Medicare Advantage Plans
Medicare Supplement Plans
Medicare Prescription Drug Plans
Medicare Special Needs Plans
Medicare Coverage Gaps
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Your Medicare Questions Answered
What is Medicare?
Medicare is a federal health insurance program primarily for people age 65 and older. It also covers certain younger individuals with disabilities or specific medical conditions. Medicare helps cover hospital care, doctor visits, prescriptions, and other healthcare services.
How do I get started?
The best first step is to schedule a consultation to review your Medicare options. We’ll walk through your situation, answer your questions, and help you find the coverage that fits your needs.
When should I enroll in Medicare?
Most people should enroll during their Initial Enrollment Period, which starts 3 months before your 65th birthday, includes your birthday month, and continues 3 months after. Enrolling on time helps avoid potential late penalties.
What are the different parts of Medicare?
Medicare is divided into four main parts:
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Part A – Hospital Insurance
Covers hospital stays, skilled nursing facilities, and some home healthcare. - Part B – Medical Insurance Covers doctor visits, outpatient care, preventive services, and medical equipment.
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Part C – Medicare Advantage
Private plans that combine Part A and B and often include extra benefits. -
Part D – Prescription Drug Coverage
Helps cover the cost of prescription medications.
Does Medicare cover prescription drugs?
Original Medicare (Parts A and B) does not typically cover most prescriptions. You can add Part D prescription drug coverage or enroll in a Medicare Advantage plan that includes drug coverage.
How much does Medicare cost?
Costs vary depending on the coverage you choose. Some parts of Medicare have premiums, deductibles, and copays. Many people receive Part A premium-free, while Part B typically has a monthly premium.
Can I keep my doctor with Medicare?
Many doctors accept Medicare, but it depends on the type of plan you choose. Some plans allow you to see any Medicare-accepting provider, while others may use networks.