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Medicare

What is Medicare?

Medicare is a federal health insurance program primarily for:

People age 65 or older
Some younger individuals with certain disabilities
People with End-Stage Renal Disease or ALS

Medicare helps cover essential healthcare services like doctor visits, hospital stays, and more—but it's important to understand your options so you can get the coverage that best fits your needs.

The Two Main Paths:

Original Medicare vs. Medicare Advantage

You have two ways to receive your Medicare benefits:

Original Medicare

Medicare Advantage

Turning 65? Steps to Enroll in Medicare

If you're approaching your 65th birthday, you're eligible to enroll in Medicare during your Initial Enrollment Period (IEP), which:

Begins 3 months before your 65th birthday month
Includes your birthday month
Ends 3 months after

To get started:

Enroll in Medicare Parts A & B through Social Security
Choose if you want a PDP, Medicare Advantage, or Medicare Supplement
Talk to a licensed agent to review drug coverage options that fit your needs

💡 We can walk you through the steps and help you compare plans in your area.

Prescription Drug Plans (PDP)

What is a Prescription Drug Plan ?

A Prescription Drug Plan (PDP) is a Medicare Part D plan that helps cover the cost of your medications. These plans work alongside Original Medicare and are offered by private insurance companies approved by Medicare.

Even if you don’t take prescriptions now, enrolling when you’re first eligible helps you avoid a late enrollment penalty later.

Annual Enrollment (AEP)

What to Know About Annual Enrollment (AEP)

Medicare’s Annual Enrollment Period runs from October 15 to December 7 each year. During this time, you can:

Enroll in or switch your PDP
Review new plan options
Drop or change coverage based on your needs

Drug plan prices and formularies change every year, so even if you're already enrolled, it's a smart idea to review your plan annually.

📞 Need help checking if your medications are covered next year? Reach out today for a free review.