Services/Medicare
Medicare Coverage
Expert guidance through Medicare's Parts A, B, C, and D. We make Medicare simple so you can focus on what matters most.
Understanding Medicare
One program, several parts.
Medicare is the federal health insurance program for people 65 and older, as well as certain younger individuals with disabilities. It consists of several parts, each covering different services.
Enrollment windows
Your Initial Enrollment Period begins 3 months before you turn 65 and ends 3 months after. Annual Enrollment runs October 15 – December 7; Medicare Advantage Open Enrollment runs January 1 – March 31.
Speak With An AgentCoverage options
Original Medicare (Parts A & B)
Part A covers hospital stays, skilled nursing facility care, hospice, and some home health services. Part B covers doctor visits, outpatient care, preventive services, and medical equipment.
- Part A: Hospital insuranceMost people don't pay a premium
- Part B: Medical insuranceStandard monthly premium applies
- Covers 80% of approved services after deductible
- You may need supplemental coverage for the remaining 20%
Medicare Advantage (Part C)
Medicare Advantage plans are offered by private insurers as an alternative to Original Medicare. These plans include all Part A and B benefits, and often add extra coverage like dental, vision, and prescription drugs.
- Replaces Original Medicare with a private plan that bundles coverage
- Often includes dental, vision, and prescription drug coverage
- Cannot be combined with a Medigap policy
- Change plans during AEP (Oct 15 – Dec 7) or MA Open Enrollment (Jan 1 – Mar 31)
Part D: Prescription Drug Coverage
Part D helps cover the cost of prescription medications. These plans are offered by private insurance companies approved by Medicare and vary in which drugs they cover and their costs.
- Standalone drug plan alongside Original Medicare
- Many Medicare Advantage plans already include drug coverageIf yours does, you don't need a separate Part D plan
- Check the plan's formulary for your medications
- Enrolling on time helps you avoid late penalties
Medigap (Medicare Supplement)
A Medigap policy helps cover the out-of-pocket costs that Original Medicare doesn't pay, such as copayments, coinsurance, and deductibles. If you're enrolled in Original Medicare and want more predictable costs, a Medigap policy can be valuable.
- Supplements Original Medicare (Parts A & B)
- Covers the remaining 20% and other out-of-pocket costs
- More predictable healthcare costs
- Cannot be held at the same time as Medicare Advantage
FAQ
Frequently Asked Questions
When should I enroll in Medicare?
Your Initial Enrollment Period begins 3 months before you turn 65 and ends 3 months after. It's important to enroll on time to avoid late penalties. If you're still working with employer coverage, different rules may apply.
What's the difference between Medicare Advantage and Medigap?
Medicare Advantage replaces Original Medicare with a private plan that bundles coverage. Medigap supplements Original Medicare by covering out-of-pocket costs. You cannot have both at the same time.
Do I need Part D if I have Medicare Advantage?
Many Medicare Advantage plans include prescription drug coverage. If yours does, you don't need a separate Part D plan. However, if your Advantage plan doesn't include drug coverage, you should consider enrolling in a standalone Part D plan.
Can I change my Medicare plan?
Yes, you can make changes during the Annual Enrollment Period (October 15 - December 7) or during the Medicare Advantage Open Enrollment Period (January 1 - March 31). Certain qualifying events may also allow changes outside these windows.
Ready to Get Covered?
Talk to a licensed agent today. We will compare plans, explain your options, and help you enroll — all at no cost to you.