What is Medicare?

Medicare can be a bit overwhelming, but we're here to make it simple. Our mission is to help you easily understand Medicare and discover the plan that has your best interest. 

Medicare is a government health insurance program designed for individuals aged 65 and older.  Some younger people are eligible for Medicare including people with disabilities, permanent kidney failure and amyotrophic lateral sclerosis (Lou Gehrig’s disease or ALS). Medicare helps with the cost of health care, but it does not cover all medical expenses or the cost of most long-term care.

Medicare Part A

Medicare Part A covers hospital stays, skilled nursing facility care, hospice services, and some home health care. It primarily addresses inpatient and specialized care needs, forming a key component of Original Medicare. Most people get Part A for "free" as long as they have paid Medicare taxes and worked for 40 quarters (10 years).

*Some people will get Medicare A and B automatically (without needing to enroll). In most cases, this is based on whether you’re getting benefits from Social Security or the Railroad Retirement Board. If so, you will get your Medicare information about 3 months before your 65th birthday.

Medicare Part B

Medicare Part B covers outpatient services, preventive care, and doctor visits, ensuring you receive essential healthcare outside of a hospital setting. This is the second part of "Original Medicare." Most people pay a monthly premium for Part B, which will vary depending on your income. The standard Part B premium in 2024 is $174.70.

*It’s important to sign up for Part B when you’re first eligible. If you don’t, you’ll likely end up paying a late enrollment penalty for as long as you have your Part B plan.

Medicare Part C

Medicare Part C, also known as Medicare Advantage, combines the benefits of Part A and Part B into a single plan offered by private insurance companies. This all-in-one option often includes additional coverage like vision and dental care, providing a comprehensive alternative to Original Medicare. There are pros and cons to this route depening on your unique health and financial situation. We are here to help you make that decision. 

Medicare Part D

Medicare Part D, also referred to as a Prescription Drug Plan, can be purchased with Original Medicare (Parts A & B) or as part of a Medicare Advantage Plan that incorporates prescription drug coverage.

Medicare Supplement Plans

Medicare Supplement Plans, also called Medigap, help cover the out-of-pocket costs that Original Medicare doesn't, such as deductibles and copayments. These are "gaps" in medical coverage. Medigap plans are purchased through private insurance carriers and are only available to those who are enrolled in Medicare Parts A & B.

Ready to start?