Medicare

Medicare is a government health insurance program with a complex set of rules and regulations.

In order to sign up for a Medicare Supplement plan or a Medicare Advantage plan, you need to have both parts A and B issued.

Medicare

Annual Enrollment Period Ends in

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MedicareAEP

October 15

The first day of AEP. You can now make changes to your Medicare Health coverage for 2022.

December 7

Last day of AEP. December 7 is the day to make changes to your Medicare coverage for 2022.

January 1

If you enroll in a different Medicare plan during AEP, your new coverage will go into effect on Jan 1.

The different parts of Medicare coverage

Part A

Type of Insurance

Hospitalization

What it covers

Includes inpatient hospital care, skilled nursing facility, hospice, lab tests, surgery, and home health care

Prescription drug coverage

No

Enrollment

Usually automatic if you receive Social Security benefits
Part B

Type of Insurance

Medical

What it covers

Includes doctor and other providers' services and outpatient care, preventitve care, durable medical equipment, hospital outpatient services, laboratory tests, X-rays, mental healthcare, and some home health and ambulance services

Prescription drug coverage

Typically physician adminstered drugs only

Enrollment

You must enroll
Part C | Medicare Advantage Plans

Type of Insurance

Not a seperate insurance benefit: a coverage option for Medicare Parts A & B

What it covers

Allows private health insurance companies tp provide your medicare benefits through what are called Medicare Advantage (MA) plans

Prescription drug coverage

Most of Medicare Advantage plans include prescription coverage. Known as MAPD

Enrollment

Optional. You can either enrroll in MA plan or Medigap plan. see differences below
Part D | Prescription Drug Coverage

Type of Insurance

A seperate coverage option that you can add to Medicare Parts A & B

What it covers

Prescription Medication

Prescription drug coverage

Yes typically oral and self-adminstered drugs

Enrollment

You must enroll. Late penalty may be applied.

  • Medigap is added coverage to Original Medicare Parts A and B
  • No network restrictions, accessible coverage across the US. Select any doctor of your choice as long as they accept Medicare patients.
  • Can visit specialists without referrals.
  • Prescription Drug Coverage is not included. You may purchase a Medicare Part D plan to add Prescription drug coverage.
  • Pay a monthly premium in addition to your Part B premium.
  • Lowers your out of pocket expenses for services covered by Original Medicare Part A and Part B.

Who is eligible for Medicare?

Individuals who are:

65 years of age or older

Disabled

End-Stage Renal Disease (ESRD)

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Medicare Advantage Plans

You can sign up for a Medicare Advantage Plan with or without prescription coverage. You need to have Parts A and B ready before signing up.

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Medicare Supplement Plans

You can sign up for Medicare Supplement Plan at any time during the year. Your coverage will start the first day of the following month.

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Prescription Drug Plans (Part D)

You can enroll in a prescription coverage along with a Medicare Supplement plan. Part D plans have a separate premium.

Schedule a Medicare Consultation CallFree

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Eligibility and Enrollment

Learn about Medicare enrollment periods and find out when you are eligible to make changes to your coverage.

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Choosing the Right Coverage

There isn’t a one-size-fits-all solution for every Medicare recipient. Choose coverage tailored to your needs, preference and budget.

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Making Changes

Review your coverage every year to make sure your current Medicare Insurance plan meets your evolving needs.

How it Works?

We simplified the Medicare Sign Up process. We untied all the knots hindering you from getting the coverage you deserve

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Find A Plan

Decide on Medicare Supplement or Advantage

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Review and Compare

Cost, Coverage, and Network are all important factors to make your mind about a plan.

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Enroll in a Plan

If you are enrolling in a Medicare Supplement plan, your coverage will start the 1st day of the following month

Frequently asked questions

What does Medicare Part A cover?

Medicare Part A covers Hospital services. Medicare pays 80% of the hospital covered services.

What is Medicare Part B?

Medicare Part B pays for outpatient services and doctor visits. Read a step by step guide on how to apply for Part B.

What is Medicare Part D?

Prescription Drug plans cover prescription needs, but offer no medical coverage. Part D have a separate Premium than Part B.

What is the Medicare Supplement Plan?

Medicare Supplement Plans cover gaps in Original Medicare Part A and B. Medicare Supplement Plans help pay some of the health care costs that the Original Medicare Plan doesn’t cover. Medicare Supplement Plans are not the same as Medicare Advantage Plans and can only be combined with Original Medicare. You may choose to also enroll in a stand-alone Prescription Drug Plan.

When is the Annual Enrollment Period?

AEP runs from October 15th to December 7th. New coverage starts on January 1st.

When is the Medicare Advantage Open Enrollment Period?

Each year there is a Medicare advantage open enrollment period from January 1 – March 31.

What is Medicare Advantage Plan (Part C)?

Medicare Advantage (Part C) plans work in place of your Part A and Part B Medicare coverage. Benefits include medical expenses, but not prescriptions.

What is Medicare Advantage Prescription Drug (C + D)?

Medicare Advantage Prescription Drug plans combine the benefits of a Medicare Advantage plan and a Prescription Drug plan. Benefits include medical expenses and prescription drug coverage..

Annual Enrollment Period Ends in

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