Senior Solutions Insurance Agency
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    • Home
    • About Us
      • Appointments
      • Contact Us
      • Directory
      • Veterans
    • Our Services
      • Cancer Insurance
      • Client Concierge
      • Educational Videos
      • Medicare Planning
      • Retirement Planning
    • Quotes
      • Cash Cancer Insurance
      • Dental Insurance Quote
      • Medicare Shopping Tool
      • Under 65 Health (ACA)
  • Home
  • About Us
    • Appointments
    • Contact Us
    • Directory
    • Veterans
  • Our Services
    • Cancer Insurance
    • Client Concierge
    • Educational Videos
    • Medicare Planning
    • Retirement Planning
  • Quotes
    • Cash Cancer Insurance
    • Dental Insurance Quote
    • Medicare Shopping Tool
    • Under 65 Health (ACA)

You're eligible for Parts A and B if:

You're at least 65 years of age (even if you still work). 

Or you may be entitled to Medicae if you're under 65 & Qualify due to a disability or other special circumstance.

AND You're a U.S. citizen or a legal resident who has lived in the United States for at least five consecutive years. 

When can you enroll in a Medicare plan?

Initial Enrollment Period

If you're enrolling in Medicare for the first time, you have an Initial Enrollment Period that begins three months before and ends three months after you turn 65. It begins and ends one month earlier if your birthday is on the first of the month. 

Annual Election Period (October 15th through December 7th)

During the Annual Election Period (AEP) you can add, drop or switch your Medicare coverage. The changes during this period will take effect on January 1st of the new year. 

Special Enrollment Period

A Special Election Period (SEP) is an opportunity to enroll/ change your plan outside of AEP due to a qualifying life event without a penalty. You generally have two months after the month the qualifying event occurs to make a switch. Examples of qualifying life events are moving, losing employer coverage, qualifying for Extra Help and/or Certain chronic diagnoses.

Open Enrollment Period (January 1st through March 31st)

If you already have an advantage plan (aka Part C), you may enroll in another advantage plan or go back to Original Medicare during the Open Enrollment Period (OEP). You may only make one change within this period. 

Understanding Medicare

Medicare Supplement vs Advantage Plans

Choosing a Medicare Supplement or an Advantage plan can be based on several important factors including your health, budget and medical needs. Both have their merits and benefits, but since you can only choose one. It may be best to talk with a trusted advisor to help you figure it out. 

Parts of Medicare

Medicare Part A

In general, Part A (Hospital Insurance) has no monthly premium for the majority of Americans. Part A helps to cover:

  • Inpatient care in a hospital
  • Skilled nursing facility care
  • Hospice Care
  • Home health care

Medicare Part B

In general, Part B (Medical Insurance) has a monthly premium and it's based on your income from two years ago. Part B will help to cover:

  • Clinical research
  • Ambulance services 
  • Durable Medical Equipment (DME)
  • Limited outpatient prescription drugs
  • Outpatient surgery 
  • Doctor office visits
  • Many preventive services (like screenings, shots or vaccines, and yearly “Wellness” visits)

Part C

Advantage Plans, sometimes called Part C, are health plans offered through private insurance companies. If you join one of these plans, you generally get all your Medicare-covered health care through the Medicare Advantage Plan. This coverage can include prescription drug coverage (Part D). 


  • In many cases, you can only use doctors who are in the plan’s network. 
  • In many cases, you may need to get approval from your plan before it covers certain drugs or services.
  • Advantage Plans are network based healthcare and can vary greatly depending on where you live. 

Part D

 If you decide to keep original Medicare (A&B) you need to have credible drug coverage. For some this may include coverage through the VA, Tricare or Federal Health Benefits. For the majority though you'll need to sign up for a stand alone Part D Prescription Drug Plans. 


It will help cover prescription drug costs and starting in 2025, prescription drugs under Medicare will have a $2,000 Maximum out of pocket. 


It's important to do this on time because there's a permanent premium surcharge for enrolling late if you don't have equivalent drug coverage from another credible source.


Coupons can be a great source of savings on Medicare. Sign up for a free drug savings card.

Prescription Drug Savings Card

Medicare Supplement (Medigap)

 A Medicare Supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles. 

Medicare Facts for Pre-Retirees

Don't overlook these 5 very important Medicare facts.

Medicare Forms

Need a Medicare or Social Security form? These are some of the most helpful and most commonly needed forms.

Social Security or Medicare (Who should you contact)? (pdf)Download
Medicare Ready: Medicare vs Advantage? Start learning today... (pdf)Download
Medicare A & B Chart 2025 (Master the Basics of Medicare) (pdf)Download
Medicare and You Official Handbook 2025 (pdf)Download
Medicare Supplement Insurance Overview (pdf)Download
SSA-44 (Income-Related Monthly Adjustment Amount-Life) Use this to lower your Part B Premium (pdf)Download
CMS-40B Enroll into Medicare Part B (Medical Insurance) (pdf)Download
CMS-L564 (Use this form if you are leaving employer coverage and you deferred Medicare previously). (pdf)Download
Authorization to Disclose Pesonal Health Information Release (pdf)Download
CMS 1490S: Patient's Request for Medical Payment (pdf)Download
Medicare Easy Pay (pdf)Download
AM Best Ratings Guide (pdf)Download
Paper Scope of Appointment (For Agent Use Only) (pdf)Download

This is a solicitation for insurance. Submitting information or calling numbers listed on this website will direct you to a licensed Agent/Broker listed in our directory.


Important disclosures about Medicare Plans: Medicare has neither endorsed nor reviewed this information. Not connected or affiliated with any United States Government or State agency. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.


WE WILL NEVER SELL YOUR INFORMATION. WE ARE NOT & DO NOT USE CALL CENTERS. 


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