First Steps

Parts to Medicare


Step 1: Eligibility


  • 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


See special period below

Step 2: Enroll

Initial Period

Preferred Time to enroll


  • 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 


    • 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