Medicare, explainedthe way it should be.
We break down coverage options, compare plans, and help you find what fits your needs — with clear guidance and personalized support.
See plans in your county
Medicare has four parts.
Here is what each one does.
Hospital insurance
Part A covers inpatient care in a hospital and some skilled nursing care, hospice care, and home health care. It is usually premium-free for most people.
Learn more about Part ACovers semi-private room, meals, and general care.
Helps after a hospital stay if you need additional recovery time.
Supports comfort care for those with a terminal illness.
Covers certain medical and support services at home.
Original Medicare or
Medicare Advantage.
Everyone starts with Parts A and B. From there you can choose one of two paths.
Original Medicare + extras
PLUS
PLUS
- Any doctor in the U.S. that accepts Medicare
- Predictable costs with a Supplement
- Ideal for mostly preventive care
Medicare Advantage
USUALLY INCLUDES
OFTEN ADDS
- Lower out-of-pocket costs in many cases
- Many include additional benefits
- Network of care (doctors and hospitals may apply)
When you can enroll or switch.
Annual Enrollment expires: You typically have from October 15 to December 7 each year.
Your first Medicare
year, step by step.
Your Initial Enrollment Period lasts 7 months, centered on your 65th birthday month. Signing up early means coverage starts on time.
- 1Know when to apply
Your Initial Enrollment Period is 7 months around your 65th birthday.
- 2Choose your path
Decide between Original Medicare with a Supplement or a Medicare Advantage plan.
- 3Check drug plan options
If you take prescription drugs, compare Part D plans in your area.
- 4Compare plan details
Look at monthly premiums, deductibles, and benefits.
- 5Make your decision
After you've reviewed your options, enroll in the plan that best fits your needs.
Programs that lower what you pay.
Medicare questions,
answered.
Medicare can be confusing. Our team is here to help with clear answers and personalized guidance.