Medicare Plans
Navigate Medicare options with expert guidance. Find the right plan that covers your healthcare needs and fits your budget.
Medicare Options
- ✓Medicare Advantage plans
- ✓Medicare Supplement (Medigap)
- ✓Prescription drug coverage
- ✓Annual enrollment guidance
Understanding Medicare
Medicare is the federal health insurance program for people 65 and older, and some younger people with disabilities. Understanding your options is key to getting the best coverage.
Part A
Hospital insurance that covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.
Part B
Medical insurance that covers outpatient care, medical services, preventive services, and medical supplies.
Part C
Medicare Advantage plans offered by private companies that combine Parts A, B, and often D into one plan.
Part D
Prescription drug coverage that helps pay for prescription medications, including many recommended shots and vaccines.
Medicare Advantage vs Medicare Supplement
Understanding the differences between these two options can help you choose the right coverage for your needs.
Medicare Advantage (Part C)
All-in-one plans that combine hospital, medical, and often prescription drug coverage.
Lower monthly premiums
Often $0 premium in addition to Part B
Additional benefits
Dental, vision, hearing, and fitness benefits
Network restrictions
Must use in-network providers
Annual changes
Plans can change benefits and costs yearly
Medicare Supplement (Medigap)
Additional insurance that helps pay for out-of-pocket costs not covered by Original Medicare.
Freedom to choose providers
See any doctor who accepts Medicare
Predictable costs
Standardized benefits across all companies
Higher monthly premiums
Additional cost on top of Part B premium
No additional benefits
Doesn't include dental, vision, or hearing
Medicare Enrollment Periods
Understanding when you can enroll in Medicare plans is crucial to avoid penalties and gaps in coverage.
Initial Enrollment Period
7-month period that begins 3 months before you turn 65, includes your birthday month, and ends 3 months after.
Best time to enroll to avoid penalties
Annual Enrollment Period
October 15 - December 7 each year. You can switch Medicare Advantage plans, add or drop Part D coverage.
Changes take effect January 1
Medicare Advantage Open Enrollment
January 1 - March 31. If you're in a Medicare Advantage plan, you can switch to another plan or return to Original Medicare.
One-time opportunity each year
How We Help You Navigate Medicare
Plan Comparison
We'll compare all available plans in your area to find the best fit for your needs and budget.
Enrollment Guidance
We'll help you understand enrollment periods and ensure you don't miss important deadlines.
Ongoing Support
We're here year-round to help with questions, changes, and annual plan reviews.
What You'll Need
Medicare Card
Your red, white, and blue Medicare card
Current Medications
List of prescription drugs you take
Preferred Doctors
Names of doctors you want to keep
Budget Information
Monthly premium and out-of-pocket budget
Ready to Find Your Medicare Plan?
Let our Medicare experts help you navigate your options and find the right coverage for your healthcare needs and budget.
Email Us
info@seniors-first.org
We'll respond within 24 hours
Free Medicare Consultation
- • Compare all available plans in your area
- • Understand costs and coverage options
- • Get enrollment guidance and support
- • Ongoing assistance throughout the year