Medicare Basics
New to Medicare? Start here. We'll walk you through the essentials so you feel confident and informed.
What Is Medicare?
Medicare is the federal health insurance program for people 65 or older, and for certain younger individuals with disabilities or specific conditions. It's divided into different "parts," each covering different types of healthcare services.
Understanding how Medicare works — and which parts apply to your situation — is the first step toward making the right coverage decisions.
Enrollment Timeline
64 years, 9 months
Initial Enrollment Period begins (3 months before your 65th birthday month)
65 years
Your birthday month — Medicare coverage can begin
65 years, 3 months
Initial Enrollment Period ends
Oct 15 – Dec 7
Annual Enrollment Period — change or add coverage each year
Missing your enrollment window can result in permanent late enrollment penalties. Contact us to make sure you don't miss your deadline.
Frequently Asked Questions
What is Medicare?
Medicare is a federal health insurance program primarily for people age 65 or older, as well as certain younger people with disabilities or specific medical conditions like End-Stage Renal Disease.
When can I enroll in Medicare?
Your Initial Enrollment Period (IEP) is a 7-month window that begins 3 months before the month you turn 65, includes your birthday month, and ends 3 months after. Missing this window may result in late enrollment penalties.
Is Medicare free?
Most people don't pay a premium for Medicare Part A if they or their spouse paid Medicare taxes for at least 10 years. Part B has a monthly premium. Costs vary depending on the coverage you choose.
Do I need Medicare if I have employer coverage?
It depends on the size of your employer. If your employer has fewer than 20 employees, Medicare typically pays first. It's important to understand how your employer plan coordinates with Medicare before making a decision.
What's the difference between Original Medicare and Medicare Advantage?
Original Medicare (Parts A & B) is provided directly by the federal government. Medicare Advantage (Part C) is offered by private insurers approved by Medicare and often includes additional benefits like dental, vision, and prescription drug coverage.
Can I change my Medicare coverage?
Yes. There are specific enrollment periods — such as the Annual Enrollment Period (October 15 – December 7) — during which you can make changes to your Medicare coverage.