Medicare Advantage / Medicare Supplement Plans

What is Medicare?

Medicare is a federal health insurance program primarily dedicated to

  • Individuals who are 65 or older
  • Individuals under 65 with certain disabilities
  • Individuals at any age with end-stage renal disease (ESRD) – A permanent kidney failure requiring dialysis or kidney transplant.

Different Parts of Medicare

Medicare is divided into different parts to help cover specific services:

  • Medicare Part A – Hospital Insurance
  • Medicare Part B – Medical Insurance
  • Medicare Part C – Medicare Advantage
  • Medicare Part D – Prescription Drug Coverage

Individuals Who Get Parts A and B Automatically

  • Those already receiving disability benefits from Social Security or Railroad Retirement Board (RRB). In most cases, you’ll automatically get Part A and Part B starting the first day of the month you turn 65. If your birthday is the first day of the month, Part A and Part B will start the first day of the prior month.
  • If you are under 65 and disabled, you automatically receive Part A and Part B after you get disability benefits from Social Security or certain disability benefits from RRB for 24 months.
  • If you have ALS (Amyotrophic Lateral Sclerosis, also called Lou Gehrig’s disease), you automatically get Part A and Part B the month your disability benefits begin.

Sign up for Medicare Advantage (Part C) and Medicare Prescription Drug Coverage (PartD)

There are specific times when you can sign up for Medicare Advantage (Part C) and Medicare Prescription Drug Coverage (Part D), or make a change to a coverage you already have:

  • When you first receive Medicare (Initial Enrollment Periods)
  • During certain times, each year (Yearly Enrollment Periods)
  • In special circumstances (Special enrollment periods)
  • You change where you live
  • You lose your current coverage
  • Your plan changes contract with Medicare
  • And other special situations

Our Experience

We have over a decade of experience and are dedicated to answering your questions, clarifying your doubts, and making things easy for you. We understand and value the importance of family, which is why we include any family member in the process.