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Understanding Medicare

Medicare is health insurance for people 65 or older. You’re first eligible to sign up for Medicare 3 months before you turn 65. You may be eligible to get Medicare earlier if you have a disability, End-Stage Renal Disease (ESRD), or ALS (also called Lou Gehrig’s disease). Generally, you only need to sign up for Part A and Part B once. Each year, you can choose which way you get your health coverage (and add or switch drug coverage).

Medicare is different from private insurance — it doesn’t offer plans for couples or families. You don’t have to make the same choice as your spouse.

2 steps to set up your Medicare coverage:

  1. Sign up for Part A (Hospital Insurance) and Part B (Medical Insurance) You can sign up at certain times. 

  2. Choose which way you want to get your Medicare health coverage.

  • You can choose either Original Medicare or Medicare Advantage (Part C) for your health coverage.

  • If you choose Original Medicare, you’ll also decide if you want drug coverage (Part D) and supplemental coverage, like  Medigap (separately).

Speak with a Licensed Agent

Have a licensed insurance agent contact you to answer any questions you may have, or help you enroll in a health plan.

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