Medicare Resources
Understanding Your Medicare Options
Clear answers to the questions seniors ask most — so you can make confident decisions about your coverage.
Medicare doesn't have to be complicated. Here's what you need to know about how it works, when to enroll, and what your options really mean.
Enrollment
Enrollment Timelines
Missing an enrollment window can mean gaps in coverage or late penalties. Here's when to act.
Initial Enrollment Period (IEP)
3 months before to 3 months after your 65th birthday
Your first opportunity to enroll in Medicare. This 7-month window is the most important — enrolling on time helps you avoid late enrollment penalties and coverage gaps.
Annual Enrollment Period (AEP)
October 15 – December 7 each year
The Annual Enrollment Period is when you can switch Medicare Advantage plans, move between Original Medicare and Medicare Advantage, or change your Part D drug plan. Changes take effect January 1.
Medicare Advantage Open Enrollment Period
January 1 – March 31 each year
If you're already enrolled in a Medicare Advantage plan, you can switch to a different Advantage plan or return to Original Medicare during this period. One change allowed.
Special Enrollment Period (SEP)
Triggered by qualifying life events
Certain life events — like losing employer coverage, moving out of your plan's service area, or qualifying for Extra Help — may give you a Special Enrollment Period outside the standard windows.
Plan Types
Medicare Plan Types Explained
There's no single right answer — the best plan depends on your health needs, budget, and preferred doctors.
Original Medicare (Parts A & B)
The federal program covering hospital care (Part A) and medical services (Part B). It's the foundation of Medicare — most other plans build on top of it.
Medicare Advantage (Part C)
Private plans that replace Original Medicare and bundle hospital, medical, and often drug coverage. Many include extra benefits like dental, vision, and hearing.
Medicare Supplement (Medigap)
Policies that work alongside Original Medicare to cover cost-sharing gaps — copays, coinsurance, and deductibles. Use any Medicare-accepting provider nationwide.
Prescription Drug Plans (Part D)
Standalone drug coverage designed to pair with Original Medicare or a Supplement. Each plan has its own formulary and cost structure.
Dental, Vision & Hearing
Original Medicare doesn't cover routine dental, vision, or hearing care. These benefits are available through Advantage plans or standalone ancillary policies.
Hospital Indemnity
Pays a fixed daily cash benefit for hospital stays. The money goes directly to you and can be used for any expense — medical or otherwise.
FAQ
Frequently Asked Questions
Still Have Questions?
Adriana is happy to answer any Medicare question — no commitment required. A free 20-minute call can save you time, money, and confusion.