Medicare, explained plainly.
Medicare has parts, plans, and deadlines, and the mail starts early. We help you understand your Medicare Advantage and Medicare Supplement options and enroll in the one that fits.
Medicare Open Enrollment October 15 to December 7 ยท starts tomorrow
Every dateTwo ways to get your Medicare
Everyone starts with Original Medicare: Part A (hospital) and Part B (medical). From there, most people choose one of two paths.
Original Medicare, plus a Supplement
You keep Original Medicare and can see any doctor in the country who takes Medicare. A Medicare Supplement (Medigap) plan helps pay the deductibles, copays, and coinsurance Medicare leaves to you. Drug coverage comes from a separate Part D plan.
Medicare Advantage
A Medicare Advantage plan (Part C) comes from a private company that contracts with Medicare. It must cover the medically necessary services Original Medicare covers, usually includes drug coverage, and has a yearly limit on what you pay out of pocket. Most plans use a network of doctors.
A second look every fall
Plans can change their costs, networks, and drug lists every year. By September 30, your plan mails an Annual Notice of Change. Then, from October 15 to December 7, you can switch plans for the next year.
If you are on a Medicare Advantage plan, you get one more chance to change from January 1 to March 31.
Turning 65 soon?
Your first Medicare window opens three months before the month you turn 65. Find your exact dates.
- Bring your questionsAbout doctors, prescriptions, costs, or the letters in your mailbox.
- We go over your options with youPlans we offer in your area, side by side, in plain words.
- You decideNo fee and no obligation to enroll.
Questions about Medicare?
Whether it is your first year on Medicare or your tenth, we start with what you have now.
