For individuals who are turning 65 or are over 65 years of age. Let us help you understand the ABCD’s of Medicare.

The Initial Enrollment Period for Medicare begins 3 months before he/she turns 65 and ends 3 months after the individuals birthday, for guaranteed issue.

Medicare has 2 (two) main parts – Part A and Part B  an individual must enroll in Parts A & B (Part B can be delayed, if he or she currently has coverage)

Part A = Hospital coverage. Helps pay for inpatient hospital care, skilled nursing facilities, home health care etc, will cover 100% of all costs for the first 60 days (except for the $1,340.00 deductible)

Part B = Medical Coverage. Helps pay for Doctors services, outpatient care and other medical services,

Part C = Medicare Supplements/Medigap Plans, offered to help with certain health care costs not covered by Medicare


Medicare Advantage Plans  – Medicare provided by an approved HMO. Generally offer people with Medicare additional benefits beyond the standard Medicare coverage.

Part D = Prescription Drug Coverage