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Medicare Parts A & B

New to Original Medicare or losing health coverage? Consider Original Medicare, an insurance plan for recipients who are 65+ years old. They are also available for people under 65 years who have disabilities, and those with End-Stage Renal Disease (permanent kidney failure requiring dialysis or transplant, or Amyotrophic lateral sclerosis (ALS) Disease).

Original Medicare has Parts A and B. Part A is hospital insurance and helps cover inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. Part B is medical insurance and helps cover certain doctors' services, outpatient care, medical supplies, and preventive services.

To enroll in Original Medicare, call your local Medicare office or visit Medicare.gov.

Medicare Advantage Plans, Medicare Prescription Drug Plans & MediGap

You could choose a Medicare Advantage plan. This is a type of health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), Private Fee-for-Service (PFFS) Plans, Special Needs Plans, and Medicare Medical Savings Account (MSA) Plans. If you’re enrolled in a Medicare Advantage Plan, most Original Medicare services are covered through the plan and aren’t paid for under Original Medicare. Medicare Advantage Prescription Drug Plans (MA-PD) also include prescription drug coverage.

You may add a Medicare Advantage Prescription Drug Plan, also known as Part D, for prescription drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private-Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans. These plans are offered by insurance companies and other private companies approved by Medicare. Medicare Advantage Plans may also include prescription drug coverage that follows the same rules as Medicare Prescription Drug Plans.

Finally, you may want to get Medicare Supplemental Insurance Plan. Also called Medigap, this type of coverage helps pay out-of-pocket expenses for Medicare-approved services, like copayments, coinsurance, and deductibles. You can choose to buy a Medigap policy from a private company to supplement Original Medicare (but you cannot use a Medicare Supplement plan alongside a Medicare Advantage plan).

Let Us Help: 1-844-640-9302 (TTY 711)

Mon-Fri 6am-4pm EST

Talk to a Licensed Insurance Agent

Original Medicare might not be enough. If so, look into enrolling into Medicare Advantage Plan, Medicare Supplement Insurance Plan, and/or Medicare Prescription Drug Plans that might help you save on your health care costs. There are various options from different insurance carriers. More than that you need to read the fine print to fully understand your policy. You can only have a Medigap plan, Medicare Advantage Plan or a Prescription Drug Plan if you have Original Medicare (Parts A & B). You can not have a Medicare Advantage plan and a Medigap plan at the same time.

Furthermore, there are certain periods within the year when people qualify to enroll, re-enroll or update their Medicare plans. See the table below for information.


Enrollment Period Who Needs This? Purpose When
Initial Enrollment Period Turning 65 years old Enroll in Original Medicare and possibly a Medicare Advantage Plan 3 months before 65th birthday, birthday month, and 3 months after 65th birthday month
Medicare Advantage & Prescription Drug Plan Annual Enrollment Period Medicare Parts A & B Enrollees Reevaluate coverage & make changes October 15 - December 7
Special Enrollment Period Aging-in, recently moved, lost health insurance coverage or have other Special Enrollment Period qualifying conditions Enroll/re-enroll in Original Medicare and possibly a Medicare Advantage Plan Special Enrollment Period eligibility varies by qualifying conditions

Let us help! We could check your eligibility to enroll and help you find the right plan to fit your needs. Call us and we'll connect you to a licensed insurance agent.

Simply call 1-844-640-9302 (TTY 711), Mon-Fri 6a-4pm EST.

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