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Let's Protect Our Legacy LLC

Let's Protect Our Legacy LLCLet's Protect Our Legacy LLCLet's Protect Our Legacy LLC
Home
New To Medicare
Contact
More
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  • New To Medicare
  • Contact
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  • New To Medicare
  • Contact

New to Medicare: What You Need to Know

 

Medicare is a federal health insurance program mainly for:

  • People 65 and older
     
  • People under 65 with certain disabilities
     
  • People with End-Stage Renal Disease (permanent kidney failure)
     

Medicare helps cover hospital stays, doctor visits, and more — but it’s not completely free and doesn’t cover everything.

Affordable Health Insurance Plans

 

The Four Parts of Medicare

  • Part A – Hospital Insurance
    Covers hospital stays, skilled nursing care, hospice, and some home health care.
    Most people don’t pay a premium for Part A.
     
  • Part B – Medical Insurance
    Covers doctor visits, outpatient care, preventive services, lab work, and durable medical equipment.
    Most people pay a monthly premium for Part B.
     
  • Part C – Medicare Advantage
    An alternative way to get Medicare benefits through private insurance companies.
    Often includes extra benefits like dental, vision, hearing, and drug coverage.
     
  • Part D – Prescription Drug Coverage
    Helps pay for prescription medications.
    You can get it as a stand-alone plan (with Original Medicare) or built into most Advantage plans.

When You Can Enroll

 

  • Initial Enrollment Period (IEP):
     
    • 3 months before you turn 65
       
    • Your birthday month
       
    • 3 months after your birthday month
       

If you miss this window, you could pay late enrollment penalties — especially for Part B and Part D.

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