Step 1: Eligibility
Basic
- At least or 64 years and 9 months old
- U.S. Citizen or a legal U.S. resident who has lived in the U.S. for at least 5 years
Special
See special period below
Step 2: Enroll
Initial Period
Preferred Time to enroll
Between
- 3 months before your 65th birthday
- 3 months after your 65th birthday
Coverage Effective Date
- The month after application
General Period
If your initial period was missed you can enroll but are subject to a premium penalty
Between
- January 1 – March 31
Coverage Effective Date
- July 1
Special Period
Your circumstances may allow you to enroll in Medicare but must be reviewed by the Social Security Administration
Some Circumstances
- Retire and lose your employer coverage
- Disabled or diagnosed with a chronic illness
- Receive assistance from the state
- Move out of the plan’s service area
Coverage Effective Date
- Variable
Medicare Parts
Part A (Hospital)
Covers hospital, skilled nursing facility, and hospice costs. No premium.
Part B (Medical)
Covers doctor services, outpatient care, durable medical equipment and other medical services. Pay monthly or annual premium.
Part C (Medicare Advantage)
A plan that fills the gaps of Medicare part A, B, and D. Co-payments are paid when medical services are used. This is a private plan that
Part C Alternative (Medigap / Medicare Supplement)
An alternative plan to Medicare Advantage that also fills the gaps of Medicare part A, B, and D. This plan is paid for by monthly or annual premiums.
Part D (Prescription)
Helps cover the cost of outpatient prescription drugs.
Medicare Part C & D Quotes
2021 Medicare Advantage and Prescription Drug Plans
Frequently Asked Questions
Does Medicare cost money?
Coverage A of Medicare is free. Other parts of medicare are subject to premium.
Do we insure people with bad health? Yes!
Anyone who is a citizen of the United States is given healthcare as a natural right and will be provided for despite their health history.
What payment methods do we accept?
Payments through a mortgage, direct billing through mail, EFT (Bank Account), debit and credit cards.
How can I file a claim?
Your healthcare provider’s billing department should file your claim for you. If you have any questions about your bill it is best to contact your insurance provider and healthcare provider’s billing department directly.
If you can’t find your answer here, please don’t hesitate to ask a representative through our messaging system or email