Medicare
Explore the four parts of Medicare: Parts A, B, C, and D. Learn what they cover, how they work together, and which coverage is right for you
The four parts
What each part actually covers.
Parts A and B make up Original Medicare and are provided by the federal government. Parts C and D are offered by private insurance companies.
The decision
Original Medicare leaves a share of every bill to you, with no yearly ceiling. Both roads exist to deal with that; they do it in opposite ways.
You keep Original Medicare (Parts A and B) and explore additional coverage options, including a Medicare Supplement (Medigap) policy to help cover costs that Original Medicare does not, along with a separate Part D plan for prescription drug coverage. This option allows you to see any doctor nationwide who accepts Medicare while helping provide more complete coverage.
About Supplement plansYou receive your Medicare Part A and Part B benefits through a Medicare Advantage plan offered by a private Medicare-approved insurance company. These plans often include prescription drug coverage and may offer additional benefits. Care is typically coordinated through the plan’s network of providers, with an annual limit on your out-of-pocket costs for covered services.
About Advantage plansChoosing between Original Medicare with a Medicare Supplement plan and a Medicare Advantage plan is an important decision. The option that fits you best depends on your healthcare needs, preferred doctors, medications, travel habits, and coverage preferences
Talk it through · (972) 639-7639Calling connects you with Lisa, a licensed insurance agent.
Ways to use your Medicare coverage
Learn how Medicare Advantage (Part C) plans work, the differences between HMO, PPO, and PFFS plans, and the three key things to consider before choosing a plan
Medicare AdvantageLearn how Medicare Supplement (Medigap) plans help cover costs that Original Medicare doesn’t, and explore the many standardized plan options available, including Plans A through N
Medicare SupplementUnderstand how Medicare Part D works, the importance of enrolling at the right time, and how to compare plans based on your prescription needs
Prescription DrugsQuestions
Most people become eligible at 65. Your Initial Enrollment Period runs for seven months: the three months before the month you turn 65, that month itself, and the three months after. Some people qualify earlier through disability or specific conditions.
It depends on the coverage you have through that job and how large the employer is. Some people can delay Part B without any penalty; others can’t, and the penalty for getting it wrong is permanent. This is the single most worthwhile phone call to make before you turn 65.
Routine dental, vision and hearing care are not covered, and neither is long-term custodial care. Prescriptions picked up at a pharmacy need Part D. There’s also no yearly limit on what you pay out of pocket under Original Medicare on its own, which is the gap that Supplement and Advantage plans each address in their own way.
No. Premiums are set by the carriers; you pay the same with or without me. Carriers pay me, so my help is free to you.
Get in touch
Let’s talk about your doctors and the prescriptions you’re currently taking. That’s all we’ll need to begin exploring your options and identifying the coverage worth considering for you. We’ll walk through the details together, and the decision is yours.
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