Choosing a Medicare plan can be confusing. We’re here to help.

The first step in finding the right Medicare plan for you is understanding your options.

Let’s start by understanding Medicare.

  • Medicare is a federal health insurance program for people 65 and older as well as people younger than 65 who have a qualifying disability. Medicare is different from Medicaid, which offers health insurance and other services to eligible low-income people of all ages.

  • In many cases, yes. You must ensure your doctor accepts the plan you are considering enrolling in.

  • Most people do not pay a premium for Part A. Part B currently costs $144.60/month. The costs for Medigap coverage, Part C, and Part D vary by plan.

The four parts of Medicare.

There are four main parts of Medicare. Each part covers different benefits. You can combine certain parts to meet your individual healthcare needs.

PART A

Hospital Insurance

  • Inpatient hospital stays
  • Skilled nursing facility care
  • Hospice care
  • Home health care

PART B

Medical Insurance

  • Doctor visits
  • Lab tests
  • Medical equipment
  • Preventative services

PART C

Medicare Advantage

  • Includes Part A and Part B
  • Usually includes Part D
  • May include dental, vision, and other benefits

PLAN D

Prescription Drug Coverage

  • Prescription drugs

Your Medicare coverage options.

There are two ways you can get Medicare. You may change your coverage only during certain times of the year. Original Medicare: Original Medicare consists of Part A (Hospital Insurance) and Part B (Medical Insurance). For an additional cost, you can purchase Medicare Supplement Insurance (Medigap) and Part D (Prescription Drug Coverage) to help cover what Original Medicare does not. Medicare Advantage: Also known as Part C, Medicare Advantage plans include Part A (Hospital Insurance) and Part B (Medical Insurance) and usually include Part D (Prescription Drug Coverage). These plans may also include dental, vision, and other benefits.

The top 5 Medicare enrollment mistakes.

  1. Waiting too long to sign up
  2. Not learning about Medicare coverage options
  3. Not paying attention to provider networks
  4. Getting the most popular or expensive plan
  5. Not meeting with an unbiased expert
We can help you avoid these costly mistakes. Call us at (855) 699-4239

Learn more about Medicare at an upcoming seminar.

Register today or call us at (855) 700-7444

We offer a number of opportunities every month for you to learn about your Medicare benefits through our in-person and virtual seminars.

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Still have questions? Contact an advisor for help.

Frequently asked questions

  • You are automatically enrolled in Parts A and B if you already receive Social Security benefits. If you do not, you must enroll yourself by contacting the Social Security Administration. You may apply online at www.ssa.gov/medicare or by calling 800-772-1213.

  • Your initial enrollment period includes the three months before you turn 65, the month you turn 65, and the three months after you turn 65.

  • No. However, you may want to explore your options to make sure your current coverage is still the best option for you.

  • The federal government administers Parts A and B. Private insurance companies administer Part C (Medicare Advantage), Part D, and Medigap coverage.