Medicare is a federal health insurance program designed to provide comprehensive healthcare coverage for individuals aged 65 and older, as well as for certain younger individuals with disabilities or specific medical conditions. Established in 1965, Medicare helps seniors manage the cost of healthcare services, including hospital stays, doctor visits, preventive services, and prescription medications. With different parts to address varying health needs, Medicare Part A covers hospital insurance, Part B covers medical insurance, Part C offers Medicare Advantage Plans, and Part D provides prescription drug coverage. Our goal is to make navigating Medicare simple and accessible, ensuring our clients receive the care they need with confidence, and an enjoyable personal experience.

 

Medicare involves understanding its various enrollment periods, each with specific timelines and rules. The Initial Enrollment Period (IEP) is a seven-month window starting three months before the month you turn 65, including your birthday month and the three months following. If you miss your IEP, the General Enrollment Period (GEP) from January 1 to March 31 allows you to enroll, though late penalties may apply. The Annual Enrollment Period (AEP), from October 15 to December 7, lets you make changes to your Medicare Advantage and Part D plans, effective January 1. Special Enrollment Periods (SEPs) provide opportunities to enroll or make changes due to specific life events, such as moving or losing other insurance coverage. Understanding these periods is crucial to ensuring continuous and optimal Medicare coverage.