Part A (Hospital Insurance): Covers hospital stays, hospice care, and some skilled nursing facility care.

Part B (Medical Insurance): Covers doctor visits, outpatient care, and preventive services.

Part C (Medicare Advantage): A private plan that includes Parts A & B and often Part D.

Part D (Prescription Drug Plan): Helps cover the cost of prescription medications.

Medigap (Medicare Supplement): Covers out-of-pocket costs like deductibles and copayments.

You can enroll during:

✔ Initial Enrollment Period (IEP): 3 months before, the month of, and 3 months after your 65th birthday.

✔ Annual Enrollment Period (AEP): October 15 – December 7 (to make changes to your plan).

✔ Special Enrollment Period (SEP): If you qualify due to life events like losing employer coverage.

Medicare Advantage (Part C): All-in-one plan with extra benefits (dental, vision, etc.).

Medigap (Supplemental Insurance): Covers gaps in Original Medicare but doesn’t include extra benefits.

No! You can have Medicare alongside employer coverage, Medicaid, or other private plans. Our experts can help you coordinate benefits for the best coverage.

Yes, but you need a Part D plan or Medicare Advantage plan with drug coverage. We can help you find the best one for your medications.

✔ Part A: Usually free if you’ve paid Medicare taxes for 10+ years.

✔ Part B: Monthly premium (varies based on income).

✔ Part C & D: Costs vary depending on the plan and provider.

We make it simple! Schedule a free consultation, and we’ll walk you through your options.