Medicare A - B - C - D

• Part A (Hospital Insurance): Covers inpatient hospital care, skilled nursing facilities, hospice, and home health care. This coverage is premium-free for most individuals.
• Part B (Medical Insurance): Covers doctor services, outpatient care, durable medical equipment, and preventive services such as vaccines and wellness visits. Most people pay a monthly premium for this coverage.
• Part C (Medicare Advantage): These are alternative plans offered by private insurance companies that bundle various parts of Medicare together. 
• Part D (Prescription Drug Coverage): Helps cover the cost of prescription drugs and recommended vaccines. This can be added to Original Medicare and Medigap or included within a Medicare Advantage Plan.
• Medicare Supplements (Medigap): These plans are designed to fill the "gaps" in coverage left by Original Medicare (Parts A and B), which pay for services first. 

When you turn 65 and begin receiving Social Security benefits, you will be automatically enrolled in Medicare Parts A and B. Your Medicare card typically arrives three months before your 65th birthday month.

If you are not yet taking Social Security income, you will need to sign up for Parts A and B manually. To avoid potential complications, it is recommended that you do this three months before your 65th birthday month. For example, if your birthday is April 5th, you should sign up in January for an effective date of April 1st. You can use the "Medicare Part B Sign Up" button below to get started.

Please note that you are not necessarily required to take Medicare at 65. If you are still working and have creditable group coverage (typically through an employer with 20 or more employees), you can delay enrollment without penalty. While Medicare Part A is generally free, you may choose to delay it if you wish to continue contributing to a Health Savings Account (HSA). If you plan to maintain an HSA, you must stop contributions six months prior to enrolling in Part A, as Part A enrollment is retroactive for six months.

Medicare Part B requires a premium for most individuals and is necessary to obtain a plan from a private insurance company. Late enrollment may result in Part B and D penalties, and some individuals may be subject to an income-related monthly adjustment.

If you have questions about your specific situation, please feel free to reach out via the contact information below or visit my homepage to schedule an appointment. 

Medicare is a government program with strict rules and regulations regarding permission to contact.  Medicare regulations require most calls, appointments, and contacts to be recorded and documented.

Medicare is complicated and my goal is to simplify it for you. The easiest way is filling out the needs assessment form which gives me permission to contact you. I will send a follow-up email to gather all the pertinent information needed for a Medicare Supplement, Advantage or Prescription Drug Plan. We then find a plan that best suits your risk appetite.

Medicare Required Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.