Easy Access to Medicare Plans

Medicare is a federal health insurance program for people aged 65 and older, some younger individuals with disabilities, and those with End-Stage Renal Disease (ESRD). People typically qualify at 65 if they or their spouse have worked and paid Medicare taxes for at least 10 years.

Medicare consists of four parts:

• Part A: Covers hospital stays, skilled nursing facility care, hospice care, and some home health services.
• Part B: Covers doctor visits, outpatient care, medical supplies, and preventive services.
• Part C (Medicare Advantage): An alternative to Original Medicare that bundles Parts A, B, and sometimes D through private insurance plans.
• Part D: Covers prescription drugs.
• Review Details: Carefully check the plan documents for coverage specifics, exclusions, waiting periods, and limitations.
• Enroll: If you are unsure of what kind of medicare you need you can request for an agent to contact you to discuss your options or click here to enroll directly.

Initial enrollment typically starts three months before turning 65 and continues for seven months (three months before, the month of your birthday, and three months after). You can enroll through the Social Security Administration online, by phone, or in person. Some may be automatically enrolled if already receiving Social Security benefits.

Medicare is primarily for people 65+ or younger with specific conditions, while Medicaid is a state and federal program that assists with medical costs for low-income individuals. Some people can qualify for both (dual-eligible).

Costs vary depending on which parts of Medicare you have:

• Part A: Usually free if you've worked and paid Medicare taxes; otherwise, there's a premium.
• Part B: Requires a monthly premium (varies by income).
• Part C (Medicare Advantage): Costs vary by plan.
• Part D: Monthly premiums, deductibles, and co-pays vary by the specific plan.

Medicare does not cover everything. Common exclusions include:

• Routine dental, vision, and hearing care
• Long-term care (custodial care)
• Most cosmetic surgeries
• Routine foot care
• Acupuncture
• Overseas medical care (with rare exceptions)