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Understand Your Medicare Options

Clear, simple information to help you feel confident about your Medicare coverage — what each part covers, when to enroll, and where to get help.

The Four Parts of Medicare

Medicare is divided into parts, each covering different services. Here's a plain-language overview.

Part A

Hospital Insurance

Helps cover inpatient hospital stays, skilled nursing facility care, hospice, and some home health care.

Part B

Medical Insurance

Helps cover doctor visits, outpatient care, preventive services, and medical supplies.

Part C

Medicare Advantage

An "all-in-one" alternative offered by private insurers that bundles Part A and B, often with extra benefits.

Part D

Prescription Drugs

Helps cover the cost of prescription medications through private, Medicare-approved plans.

Key Enrollment Periods

Timing matters with Medicare. These are the windows when you can enroll or make changes.

Initial Enrollment Period

The 7-month window around your 65th birthday when you first become eligible.

Annual Election Period

October 15 – December 7 each year, when you can switch or change plans.

Special Enrollment Periods

Available after certain life events, such as moving or losing other coverage.

Have Questions About Your Options?

A licensed insurance agent can walk you through the plans available in your area — at no cost or obligation.

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