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Guiding You Through the Medicare Maze
Local and committed to the community

Medicare Overview

When are you eligible for Medicare?

Individuals not yet receiving Social Security Benefits will need to sign up for Medicare Part A and Part B during the Initial Enrollment Period (IEP), which is 3 months before their 65th birthday, including the month of their birthday and the 3 months after their 65th birthday.

Individuals who are already receiving Social Security Benefits or Railroad Retirement Benefits will automatically be enrolled in Medicare Part A and Part B the first day of the month they turn 65.

Under age 65 with certain disabilities on Social Security Benefits or Railroad Disability Benefits and/or individuals with Amyotrophic Lateral Sclerosis ALS.

Original Medicare
Medicare Part A (Hospital Insurance)

Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care and some home health care.

Medicare Part B (Medical Insurance)

Part B covers certain doctors' services, outpatient care, medical supplies and preventive services.

Medicare Advantage Plans

Medicare Part C

Offered by private insurers and MUST cover all Part A and Part B services offered by Original Medicare.  Plans can offer additional benefits not offered by Original Medicare.  Medicare Advantage Plans include a maximum out-of-pocket (MOOP) limit cost-sharing such as deductibles and co-payments for Part A and Part B where Original Medicare doesn't have a max out-of-pocket.  Some plans include Part D Prescription Drug Coverage.

Prescription Drug Coverage

Medicare Part D

A stand alone policy for prescription drugs referred to as a PDP or covered under a Medicare Advantage Plan.

Medicare Supplement Plans (Medi Gap)

Offered by private insurers to fill in the "gaps" in Original Medicare, which could cover a portion or all of the Part A and Part B cost-sharing, such as co-payments.

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