Medicare

Find a plan with coverage to fit your lifestyle.

When you apply for Medicare, it’s important to know what is covered and what isn’t. The Initial Enrollment Period (IEP) is a 7-month period that begins 3 months before the month a person turns 65 – their birthday month – and ends 3 months after the person turns 65. There are many different parts and plan options to Medicare which can be confusing to navigate through the benefits available to you.

What is Medicare?

There are multiple types of Medicare. Each part covers different aspects of healthcare.

Original Medicare Plan

Part A (Hospital) / Part B (Medical)

Medicare provides this coverage. Part A generally helps pay your costs as a hospital inpatient. Part B is optional and may help pay for doctor visits, preventive services, lab tests, medical equipment and supplies, and more. You have your choice of doctors.

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Medigap Policy (Medicare supplement Insurance)

You can choose to buy this private coverage to fill in gaps in Part A and Part B coverage. Costs vary by policy and company.

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Part D (Prescription Drug Coverage)

Private companies approved by Medicare run these plans. Prescription drug coverage is an optional benefit offered to Medicare recipients. Not all plans cover the same drugs.

Medicare Advantage Plan

Part C (Combines Part A & Part B)

Private insurance companies approved by Medicare provide this coverage. Generally, you must see doctors in the plan. Your costs may be lower than in the Original Medicare Plan, and you may get extra benefits.

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Part D (Prescription Drug Coverage)

Most Medicare Advantage Plans offer Part D plan. If they don't, you may be able to choose this coverage. Not all plans cover the same drugs.