Medicare
The Different Parts Of Medicare
Medicare Part A
Medicare Part A is hospital insurance that helps cover inpatient care in hospitals, skilled nursing facilities, hospice, and some home health care. Most people don’t pay a premium for Part A if they or their spouse paid Medicare taxes while working. It does have deductibles and cost-sharing, so it’s important to understand what’s covered and what isn’t.
Medicare Part B
Medicare Part B is medical insurance that helps cover doctor visits, outpatient care, preventive services, and some home health care. It comes with a monthly premium, which may vary based on your income. Part B also includes a yearly deductible and typically covers 80% of approved medical costs after that deductible is met.
Medicare Part C or
Medicare Advantage
Medicare Part C, also known as Medicare Advantage, is an all-in-one alternative to Original Medicare offered by private insurance companies. These plans include Part A and Part B coverage and often add extra benefits like dental, vision, hearing, and prescription drugs. You still need to pay your Part B premium, and costs, networks, and coverage can vary depending on the plan.
Medicare Part D
Medicare Part D helps cover the cost of prescription drugs and is offered through private insurance companies approved by Medicare. You can get Part D as a standalone plan with Original Medicare or as part of a Medicare Advantage plan that includes drug coverage. Each plan has its own list of covered medications, premiums, deductibles, and copays, so it’s important to compare options based on the prescriptions you take.
MediGap
Medigap, also known as Medicare Supplement Insurance, is a type of plan sold by private companies that helps pay for out-of-pocket costs not covered by Original Medicare, like copayments, coinsurance, and deductibles. These plans work alongside Medicare Part A and B but don’t include prescription drug coverage. There are several standardized Medigap plans to choose from, and your monthly premium depends on the plan you select and where you live.
Quick Links
Sign Up For Medicare Parts A & B
Click Here To Apply Online on the Medicare.gov website.
Call +1 800-772-1213 - Available in most U.S. time zones Monday through Friday, 8 a.m. to 7 p.m., in English, Spanish, and other languages.
Tell the representative you want to sign up for Medicare Parts A and B, or Part A only.
Call TTY +1 800-325-0778 if you're deaf or hard of hearing.
Sign Up For Medicaid
Click Here To Learn How To Apply Online on the Medicaid.gov website.
Medicaid is a state based program. This means that the contact information for your state's Medicaid program will be different depending on the state your are inquiring about. Please click the link above to find your local Medicaid phone number.
Apply for Medicare Pard D Extra Help
Click Here To Apply Online on the Medicaid.gov website.
Call +1 800-772-1213 - Available in most U.S. time zones Monday through Friday, 8 a.m. to 7 p.m., in English, Spanish, and other languages.
Tell the representative you want to sign up for Medicare Parts A and B, or Part A only.
Call TTY +1 800-325-0778 if you're deaf or hard of hearing.
2025 Medicare.gov's "Medicare & You".pdf
Click Here To View "Medicare & You" .pdf from Medicare.gov.
TRICARE for Life - FAQ's
Click Here To View the Frequently Asked Questions page from the www.Tricare.mil website.
Interested in staying up to date on the newest insurance options?
Subscribe for simple, helpful guidance.
Frequently Asked Questions
When can I enroll in Medicare?
Your Initial Enrollment Period starts three months before you turn 65, includes your birthday month, and ends three months after. There are also Special Enrollment Periods and Annual Enrollment each year for changes.
What if I’m still working at 65?
If you have employer coverage, you may be able to delay Part B without a penalty. I can help you review your situation to decide whether it makes sense to enroll or wait.
What doctors can I see with Medicare?
With Original Medicare, you can see any doctor who accepts Medicare. With Medicare Advantage, you may need to use providers within a specific network depending on the plan type (HMO or PPO).
What happens if I don’t sign up for Medicare on time?
You could face late enrollment penalties for Part B or Part D if you delay without qualifying coverage. These penalties can last for as long as you have Medicare.
We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Currently we represent 6 organizations which offer 35 products in your area. Please get in touch with Medicare.gov or 1-800-MEDICARE to get information on all your options.