Medicare Programs

Medicare Programs

Explore professional Medicare program guidance with clear compliance and transparent information.

Comprehensive Coverage Options

Understanding your Medicare options is the first step to making an informed decision.

Medicare Advantage

Medicare Advantage (Part C)

All-in-one plans that combine hospital, medical, and often prescription drug coverage through private insurers approved by Medicare.

  • Includes Part A & B benefits
  • Often includes Part D
  • May include dental, vision, hearing
Part D

Prescription Drug Plans (Part D)

Standalone prescription drug coverage that helps lower the cost of your medications.

  • Review formularies
  • Compare pharmacy networks
  • Understand cost-sharing
Medigap

Medigap (Supplemental)

Supplemental insurance that helps pay out-of-pocket costs in Original Medicare.

  • Reduces copays and coinsurance
  • Guaranteed issue rights
  • Standardized plans

Enrollment Periods

Understanding when you can enroll is crucial for avoiding penalties and gaps in coverage.

  • Initial Enrollment Period (IEP): 7-month window around your 65th birthday
  • General Enrollment Period (GEP): January 1 - March 31 each year
  • Open Enrollment Period (OEP): October 15 - December 7 annually
  • Special Enrollment Period (SEP): Qualifying life events trigger special windows

General Benefits Disclaimer

Not all plans offer all benefits. Benefits vary by carrier, plan, county, and contract renewal. Deductibles, copays, coinsurance, limitations, and exclusions may apply.