New to Medicare? Start Here
Getting started with Medicare begins with understanding the basics and knowing where to get help. If you’re eligible, your Initial Enrollment Period typically starts 3 months before the month you turn 65 and continues for 3 months after. During this time, it’s important to review your options and understand how your coverage works.
You may also hear terms like Medicare Supplement (Medigap) and Medicare Advantage. These are two common ways people receive their Medicare benefits, and learning the differences can help you make a more informed decision based on your needs.
As you approach age 65, consider how your work or retirement plans may affect your coverage. Whether you continue working or plan to retire, reviewing your healthcare options is an important step in preparing for this next stage of life.
HOW TO NAVIGATE THE ALPHABET SOUP CALLED MEDICARE?
Part A
Medicare Part A helps cover your inpatient care in hospitals, critical access hospitals, and skilled nursing facilities (not custodial or long-term care). It also helps cover hospice care and some home health care.
Part B
Medicare Part B helps cover medical services like doctors’ services, outpatient care, and other medical services that Part A doesn’t cover. Part B is optional. Part B helps pay for covered medical services and items when they are medically necessary.
Part C
A Medicare Advantage Plan (like an HMO or PPO) is another Medicare health plan choice you may have as part of Medicare. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare. It also helps cover hospice care and some home health care
Part D
Medicare Part D, the prescription drug benefit, is the part of Medicare that covers most outpatient prescription drugs. Those enrolled in Original Medicare or as part of your Medicare Advantage Plan.
Why choose a Supplement Plan?
Compare Medicare Advantage and Supplement plans to find the coverage and flexibility that best fits your healthcare needs and budget.
- Help cover out-of-pocket costs like deductibles and coinsurance
- See any doctor nationwide who accepts Medicare
- No referrals required for specialists
- Predictable coverage that works alongside Original Medicare
