Original Medicare, Part A
Hospital coverage. Premium free for most who paid Medicare taxes for 40 quarters. Covers inpatient hospital, skilled nursing and hospice.
Original Medicare, Medicare Advantage, Supplement and Part D, without the late night TV pitch.
Together they cover hospital, doctor, advantage bundles and prescriptions. Each has its own rules.
When you turn 65 you have a seven month Initial Enrollment Period centred on your birth month. Get it right the first time and you save thousands over the next two decades. Get it wrong and you may pay lifetime penalties. I will walk you through the right sequence.
You do not need every part, but you do need to choose. Here is how the pieces fit together.
Hospital coverage. Premium free for most who paid Medicare taxes for 40 quarters. Covers inpatient hospital, skilled nursing and hospice.
Medical coverage with a standard monthly premium, higher for high income. Covers doctor visits, outpatient services and preventive care.
A Medicare approved carrier bundle replacing Parts A and B, usually including Part D. Often $0 premium with extras like vision, dental and fitness.
Pairs with Original Medicare to cover the 20% Medicare does not. Higher monthly premium, lower bills at the doctor. Best for frequent users of care.
Standalone drug plans for those staying on Original Medicare. I match the formulary to your actual prescription list.
Need a specific answer? Text (561) 225-6361.
During your Initial Enrollment Period, the seven months around your 65th birthday, the Annual Enrollment Period from October 15 to December 7, or a Special Enrollment Period after a qualifying event such as a move.
It depends on health, doctors, budget and risk tolerance. Advantage has lower premiums but more rules. Supplement has higher premiums but freedom to use any doctor who accepts Medicare. I will model both for your situation.
You can switch between Advantage plans yearly during AEP. Switching from Advantage to Supplement is harder: outside your initial guaranteed issue window you may need to medically qualify.
No. Medicare agents are paid by carriers and follow strict CMS rules. We are held to higher disclosure standards than most insurance categories.
For Advantage plans I check before recommending. For Supplement plans network is not a factor: any doctor who accepts Medicare accepts your Supplement.
One call, your doctors and your prescription list, and a comparison you keep whether or not you enrol with me.