Senior Solutions Insurance Agency
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    • Contact Us
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      • Meet Our Team
    • Our Services
      • Educational Videos
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      • Veterans Wall of Honor
    • Quotes
      • Cash Cancer Insurance
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  • Home
  • Contact Us
    • Appointments
    • Contact Us
    • Meet Our Team
  • Our Services
    • Educational Videos
    • Medicare Planning
    • Retirement Planning
    • Client Concierge
    • Downloadable Forms
    • Prescription Savings Card
    • Veterans Wall of Honor
  • 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. 

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. 

Special Enrollment Period

A Special Election Period (SEP) is an opportunity to change your advantage 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.

Parts of Medicare

Medicare Part A (Federal Government)

In general, Part A 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 (Medical Insurance)

In general, Part B 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

Part C (Advantage Plans are Private Insurance)

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). Advantage Plans are network based healthcare and can vary greatly depending on where you live. Their networks include:

  • Medicare Health Maintenance Organization (HMOs)
  • Preferred Provider Organizations (PPO)
  • Private Fee-for-Service Plans
  • Medicare Special Needs Plans

Part D (Stand alone Prescription Drug Plan)

 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.

Medicare Supplement (Medigap)

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


If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Your Medigap policy pays its share.


A Medigap policy is different from a Medicare Advantage Plan and you cannot have both at the same time. 

Schedule a 1 on 1 meeting to learn about all your options

Medicare 101

Exploring your Medicare Options

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 figured it out. 

Medicare Facts for Pre-Retirees

Don't overlook these 5 very important Medicare facts.

Advantage Plans (Part C)

 Advantage plans (Part C) are managed health care plans that are part of the Medicare program. Coverage may include Medicare Part D prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services. 

Medicare Supplements (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. 


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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