Medicare Made Simple!
Navigating Medicare can feel overwhelming, but I’m here to make the process clear and stress-free. Below, you’ll find essential information about Medicare, your plan options, and how I can help you make the best choice for your healthcare needs.
What is Medicare?
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Medicare is a federal health insurance program primarily for:
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Individuals aged 65 and older
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Certain younger individuals with disabilities
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People with End-Stage Renal Disease (ESRD)
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Medicare helps cover medical costs, but it’s important to understand your coverage options to avoid gaps in care and unexpected expenses.
Medicare Plans Explained
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Medicare consists of several parts, each covering different aspects of healthcare:
​Part A – Hospital Insurance
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Covers:
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Inpatient hospital stays
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Skilled nursing facility care
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Hospice care
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Some home health care
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Most people receive Part A for free if they (or their spouse) paid Medicare taxes while working.
​​​​​Part C – Medicare Advantage (All-in-One Plans)
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Covers:
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Offered by private insurance companies
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Combines Parts A & B and often includes Part D (prescription drugs)
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May offer extra benefits like dental, vision, hearing, and wellness programs​​
Part B – Medical Insurance
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Covers:
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Doctor visits
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Outpatient services
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Preventive care (e.g., screenings, vaccines)
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Medical equipment (e.g., wheelchairs, walkers)
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Part B requires a monthly premium, and costs may vary depending on income.
​​​​​​Part D – Prescription Drug Coverage
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Covers:
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Helps cover the cost of prescription medications
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Offered by private insurers
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Plans vary in cost and covered medications​​​
​​​​Medicare Supplement (Medigap)
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Covers:
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Helps pay for out-of-pocket expenses not covered by Original Medicare (Parts A & B)
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Covers copayments, deductibles, and coinsurance
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Available through private insurance companies​​
Medicare Enrollment & Eligibility
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When you can enroll in Medicare depends on your circumstances:
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Initial Enrollment Period (IEP)
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A 7-month window starting 3 months before your 65th birthday, including your birth month and 3 months after.
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Special Enrollment Period (SEP)
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Available if you delay Medicare due to employer coverage or other qualifying reasons.
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​Annual Enrollment Period (AEP)
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October 15 – December 7 each year
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Time to review and switch Medicare Advantage or Prescription Drug Plans for the next year.​​​​
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​Medicare Advantage Open Enrollment Period
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January 1 – March 31
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If you already have a Medicare Advantage plan, you can switch to another Advantage plan or return to Original Medicare.​​​​​​
How I Can Help
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As a licensed Medicare specialist and nurse, I provide free, no-obligation consultations to help you:
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Understand your Medicare options
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Compare plans that fit your needs and budget
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Avoid common enrollment mistakes
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Get ongoing support year-round
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📞 Contact Me Today to schedule your free consultation!