Welcome to Medicare

Turning 65 soon? Medicare can feel overwhelming, but we're here to simplify the process.

This guide covers everything you need to know about eligibility, enrollment, plan types, and how to avoid costly penalties.

Who Qualifies for Medicare?

- You are 65 years or older
- You are under 65 with certain disabilities
- You have End-Stage Renal Disease (ESRD)

The Four Parts of Medicare

Part A – Hospital Insurance
- Inpatient hospital stays
- Skilled nursing facilities
- Hospice care
- Some home health services

Part B – Medical Insurance
- Doctor visits
- Outpatient care
- Preventive services
- Durable medical equipment

Part C – Medicare Advantage
- Offered by private insurers
- Bundles Parts A & B (often Part D too)
- May include dental, vision, and hearing benefits

Part D – Prescription Drug Coverage
- Helps cover medication costs
- Available as a standalone plan or bundled with Part C

When to Enroll

Initial Enrollment Period (IEP):
- Begins 3 months before the month you turn 65
- Ends 3 months after your birth month
- Total: 7-month window

Avoid penalties by enrolling on time — delays in Part B or Part D could result in lifetime late fees.

Original Medicare vs Medicare Advantage

Feature            Original Medicare       Medicare Advantage
Doctors           Any provider nationwide         Often a local network
Coverage        Parts A & B only         A, B, and often D
Add-ons           Needs Medigap & Part D        Usually bundled
Cost     Predictable but may be higher      Often lower, but less flexibility

Understanding Costs

- Part A: Usually free if you paid Medicare taxes
- Part B: Monthly premium = $185monthly in 2025 for most people but can be higher depending on your income.
- Part C/D: Varies by plan
- Supplement Plans (Medigap): Additional premium

How We Can Help - Navigating Medicare is easier with a trusted advisor.

- Understand your options.
- Compare plans.
- Avoid penalties.
- Enroll with confidence.