Medicare Resources & Information
Educational resources and information about Medicare coverage options.
Medicare Coverage Information
Medicare Basics
Medicare is divided into different parts that cover specific services. Understanding these parts is essential for making informed decisions about healthcare coverage.
Learn more about Medicare basicsEnrollment Periods
There are specific times when you can enroll in or make changes to your Medicare coverage. Missing these enrollment periods could result in penalties or gaps in coverage.
Learn about Medicare enrollment periodsMedicare Advantage Plans
Medicare Advantage plans (Part C) are an alternative to Original Medicare offered by private insurance companies. These plans often include additional benefits not covered by Original Medicare.
Learn about Medicare Advantage plansPrescription Drug Coverage
Medicare Part D provides prescription drug coverage. Understanding how Part D works can help you manage medication costs and ensure you have the coverage you need.
Learn about prescription drug coverageFrequently Asked Questions
What is the difference between Original Medicare and Medicare Advantage?
Original Medicare includes Part A (hospital insurance) and Part B (medical insurance), administered by the federal government. Medicare Advantage (Part C) plans are offered by Medicare-approved private insurance companies and typically include Part A, Part B, and often Part D prescription drug coverage, with potential additional benefits such as dental, vision, and hearing services.
When can I enroll in Medicare?
Most people become eligible for Medicare when they turn 65. Your Initial Enrollment Period begins 3 months before your 65th birthday, includes your birthday month, and ends 3 months after your birthday month. There are also other enrollment periods throughout the year, such as the Annual Enrollment Period (October 15 - December 7).
Do Medicare Advantage plans have networks?
Yes, most Medicare Advantage plans have provider networks. HMO plans typically require you to use in-network providers, while PPO plans offer more flexibility to see out-of-network providers at a higher cost. It's important to verify that your preferred doctors and hospitals are in a plan's network before enrolling.
How much does Medicare cost?
Medicare costs vary depending on the coverage you choose. Most people don't pay a premium for Part A if they or their spouse paid Medicare taxes while working. Part B has a standard monthly premium, though this may be higher based on your income. Medicare Advantage and Part D plans have their own premium structures, with many Medicare Advantage plans offering $0 premiums.
Questions about Medicare coverage options?
Licensed insurance agents can provide information about Medicare choices and available coverage options based on individual circumstances.
Medicare Annual Enrollment Period
October 15 - December 7
The Annual Enrollment Period is an opportunity to review Medicare coverage for the upcoming year. Licensed insurance agents can provide information about Medicare Advantage plan options and coverage comparisons.