Turning 65? Getting started with Medicare can be confusing. Let’s take this one step at a time…

Medicare is a federal health insurance program created for people 65+. It is made up of several primary components including Original Medicare (Part A & Part B), Medicare Advantage (Part C), Prescription drug coverage (Part D), and Medigap.

When do I enroll?

There are certain times, referred to as enrollment periods, when you can sign up for Medicare. Each enrollment period has certain rules around applying and when your coverage will begin.

INITIAL ENROLLMENT PERIOD: The Initial Enrollment Period (IEP) is the first time you can sign up for Medicare

Original Medicare
(Part A and Part B)

Original Medicare is managed by the Federal Government and provides Medicare eligible individuals with coverage for and access to doctors, hospitals, or other health care providers who accept Medicare. It does not cover 100% of your medical cost or prescription drugs. Additional coverage will be needed.

Part B Enrollment: It’s your key to additional coverage.

If you are already receiving Social Security you will automatically be enrolled in Medicare Part B. Otherwise you will have to submit an enrollment application in person at your local Social Security office or online at

Enroll Here:
Already too much? Contact us and we can help you through the process.

Hospital Insurance

  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care
  • Part of Original Medicare

Medical Insurance

  • Services from doctors and other health care providers
  • Outpatient care
  • Home health care
  • Durable medical equipment
  • Many preventative services
  • Part of Original Medicare

Medicare Advantage and Medigap
(Part C and Part D)

Part C or Medicare Advantage (MA), is additional coverage that is administered by private health insurance companies. Most MA plans include Part D Prescription drug coverage at no extra cost, they are referred to as MAPD plans.

Why would I enroll in Part C or D?

Medicare Advantage is an “all in one” alternative to Original Medicare. These “bundled” plans include Part A, Part B, and usually Part D. They also may offer extra benefits Original Medicare doesn’t cover.

There are a lot of choices when it comes to Medicare. Contact us for professional help, or feel free to window shop through Medicare Value. Simply click the button below and enter your zip code to compare available plans in your area.

Parts A & B required to enroll

  • Plans may have lower out-of-pocket costs than Original Medicare
  • Have yearly out-of-pocket maximums for medical services
  • Usually includes Medicare prescription drug coverage (Part D)
  • Most plans offer extra benefits that Original Medicare doesn’t cover — like vision, hearing, dental, and more

Prescription Drug Coverage

  • Helps cover the cost of prescription drugs
  • Required by CMS to avoid a late enrollment penalty
  • Help lower out of pocket prescription drug costs when compared to retail drug cost

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