2025 ANNUAL OPEN ENROLLMENT

 As you approach age 65, it’s important to know which enrollment deadlines apply to your circumstances. Begin by checking your eligibility. To avoid costly penalties and gaps in coverage, most people should sign up for Medicare Part A (hospitals) and Part B (doctors) in the seven-month window that starts three months before you turn 65.

https://www.medicare.gov/basics/get-started-with-medicare/sign-up/when-can-i-sign-up-for-medicare

Once you’re enrolled in Medicare Part A & Part B, known as Original Medicare, Part B only pays 80% of approved costs in most cases, and some items are not covered such as prescription drugs. The 20% left over is YOUR RESPONSIBILITY. 

You have 2 options to get help with the 20% you are responsible for: 

1. Either a Medicare Advantage Plan, also known as Part C. 

                                       OR 

 2. A Supplement, also known as Medigap.  

                            You can't have both, so choose wisely.  

Know the difference... 

           PART C aka Medicare Advantage:  

• In most areas these plans have a $0 dollar cost 
• Can shop for and choose Medicare advantage plans @ medicare.gov 
• Combines Medicare Part A (Hospital) and Part B (Doctors) into one comprehensive plan. 
• Includes medications (Part D).  
• Most Part C plans offer extra benefits—like vision, hearing, dental, and additional benefits. 

                                                                         OR

           Medigap 

• You will keep original Medicare 
• These plans will have a monthly cost, but they will fill coverage gaps. In other words, they will pay for most things that original Medicare will not. 
• You must shop for these plans through Private Insurance companies, so they are not available at Medicare.gov. 
• Medigap supplemental insurance plans are designed to fill Medicare Part A and Part B coverage gaps, hence the name Medigap. 
• The plans are labeled A, B, C, D, F, G, K, L, M, and N, each with a different standardized coverage. 
• If you do not sign up when you are first eligible for Medicare, there will be underwriting, so coverage is not guaranteed.  But, if you enroll in a Medicare supplement when you first become Medicare eligible, no underwriting is required. 
• There is no need for prior authorization or a referral from a primary care doctor and you can choose any doctor in the U.S. that accepts Medicare. 
• No referral is needed from your primary to see a specialist.  
• Medication (Part D) is not covered, must purchase separately.  
• Does not include vision, dental, or hearing benefits. 
• NOT Endorsed or connected with the U.S. government or the federal Medicare program. 

https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/your-coverage-options

📞1-888-852-9543 (Mon-Fri/ 9a-5p EST/ Closed Sun)

  Or you can chat with us hear!

You qualify for Medicare if any of the following apply:

• You've worked the required amount of time under Social Security, the Railroad Retirement Board (RRB), or as a government employee (Approx 10 years)
• You’re already getting or are eligible for Social Security or Railroad Retirement benefits
• You’re the spouse or dependent child of a person who meets either of the requirements listed above
• You receive disability benefits for at least 24 months.

Medicare Part A hospital insurance covers inpatient hospital care, skilled nursing facility, hospice, lab tests, surgery, home health care. 

 Medicare Part B, also called Medical Insurance, covers doctor and other health care providers' services and outpatient care. Part B also covers durable medical equipment, home health care, and some preventive services. 

 Some of the items and services Medicare doesn't cover include:

• Long-term care (also called custodial care)
• Most dental care
• Eye exams (for prescription glasses)
• Dentures
• Cosmetic surgery  
• Massage therapy
• Routine physical exams
• Hearing aids and exams for fitting them
• Concierge care (also called concierge medicine, retainer-based medicine, boutique medicine, platinum practice, or direct care)
• Covered items or services you get from an opt-out doctor or other provider (except in the case of an emergency or urgent need)