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Medicare 101

A simple explanation of how Medicare works. This guide is informational: it does not quote or compare plans.

The parts of Medicare

Part A

Hospital insurance: hospital stays and other inpatient care.

Part B

Medical insurance: doctor visits, outpatient services and preventive care.

Part C (Medicare Advantage)

Plans from Medicare-approved private companies that combine Parts A and B and often include drug coverage.

Part D

Prescription drug coverage.

There are also Medicare Supplement Insurance plans (Medigap), which help with costs Original Medicare does not pay.

When to sign up

Your first chance

It lasts seven months: it starts three months before the month you turn 65, includes that month, and ends three months after it.

Every year

From October 15 to December 7 you can make changes to your coverage, and those changes start January 1.

If you sign up late

You could pay a penalty for Parts B and D, so it is worth reviewing before you turn 65.

Getting close to 65?

Leave your details and I will contact you to talk about your case.

Contact

For official information, visit Medicare.gov or call 1-800-MEDICARE.

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.