Medicare has a lot of letters, but the decisions come down to a few clear choices.
The parts, briefly
- Part A & B are Original Medicare (hospital and medical).
- Part C (Advantage) bundles coverage through a private plan, often with extras.
- Part D covers prescriptions.
- Medigap (Supplement) helps pay the gaps Original Medicare leaves.
Timing matters
Your Initial Enrollment Period is a seven-month window around your 65th birthday. Missing it can mean lasting penalties, so it is worth marking the calendar.
There is no one best plan
The right choice depends on your doctors, your prescriptions, and your budget. That is exactly what an independent agent helps you compare, with no cost to you.
Have a question about your coverage?
A licensed agent can walk you through your options at no cost.