Medicare,
Simplified & Reimagined.
Navigating Medicare doesn't have to be confusing. Get concise guidance, clear timelines, and interactive tools to help you find the right coverage.
Understanding the Parts
Medicare is divided into four distinct parts. Knowing what each covers is the first step to making the right choice.
Part A
Hospital Insurance
Covers:
- Inpatient hospital stays
- Skilled nursing facility care
- Hospice care
Most people pay $0 premium (if you paid taxes for 10+ years). Deductibles apply.
Part B
Medical Insurance
Covers:
- Doctor services
- Outpatient care
- Preventive services
Standard monthly premium ($185 in 2025 est) + Deductible + 20% Coinsurance.
Part C
Medicare Advantage
Covers:
- Bundles Part A + B
- Usually includes Part D
- Extra benefits (Dental, Vision)
Varies by plan. Some have $0 premium (must still pay Part B premium).
Part D
Drug Coverage
Covers:
- Prescription medications
- Tiers of drugs
- Formulary specifics
Monthly premium varies by plan. Deductibles and copays apply.
When Can I Enroll?
Timing is everything. Missing your window can mean penalties or gaps in coverage. Select a period below to learn more.
Initial Enrollment Period (IEP)
When is it?
7-Month Window
Who is this for?
People turning 65 or new to Medicare due to disability.
What happens?
The first time you can sign up for Medicare. It starts 3 months before you turn 65, includes the month you turn 65, and ends 3 months after.
Am I Eligible?
Answer a few simple questions to instantly find out your Medicare enrollment status.
Are you turning 65 within the next 3 months?
Common Questions
Clear answers to the most frequent Medicare concerns.
Need Help Navigating Medicare?
Medicare can be confusing. Our licensed agents are here to help you understand your options and find the plan that fits your needs.