Medicare Made Simple.

Helping you understand your options so that you can make the right decision—with support every step of the way.

We Help With:

  • Enrolling in Original Medicare (Part A and B) on time so you avoid late penalties

  • Understanding Medicare Advantage (Part C) and drug coverage (Part D)

  • Finding dental, vision & hearing benefits

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Medicare A & B plans

New to Medicare?

You're not alone— over 66 million people are enrolled in Medicare today.

Let’s break it down to help you get started.

The Federal Government offers Original Medicare, consisting of Part A and Part B.

medicare part a and b explained

Part A: Hospital Insurance 

Covers hospital stays, skilled nursing, hospice, and some home health care.
Most people get it for free if they’ve worked 10+ years.

medicare part a and b explained

Part B: Medical Insurance 

Covers doctor visits, outpatient care, lab work, and preventive services. You’ll usually pay a monthly premium for Part B.

Medicare Part C and Part D, also known as Medicare Advantage plans, are offered by private insurance companies.

medicare advantage plans

Part C: Medicare Advantage

Combines Parts A & B with extra benefits like dental, vision, hearing, fitness, and often drug coverage (Part D). Many people choose this all-in-one option.

medicare supplement plans description

Part D: Prescription Drug coverage 

Helps cover the cost of medications. You must be enrolled in a Medicare-approved plan (Part A or B) to be eligible for Part D.

 FAQs

  • It depends on your job’s health insurance:

    • If your employer has 20+ employees, you can usually delay Medicare Part B without penalty.

    • If fewer than 20 employees, Medicare becomes your primary insurance—you should enroll to avoid gaps.

  • Original Medicare (Parts A & B) covers a lot, but not everything. That’s why many people choose a Medigap (Supplement) plan to help with costs, or enroll in a Medicare Advantage plan that includes extra benefits. We will walk you through the coverages and exclusions.

  • You could face lifetime penalties that may include 10% higher premium for every year you delay (Part B) or a permanent penalty added to your drug plan premium (Part D)

    Don’t miss your window! Enroll when first eligible based on coverage to avoid penalties.