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Original Medicare is a health insurance program that provides benefits to U.S. citizens and legal permanent residents who are 65 years of age or older, or who have a qualifying disability or illness. Medicare Part A is hospital insurance; Medicare Part B is medical insurance; and Medicare Part D is prescription drug coverage.

Each year, there is an open enrollment period for Medicare Advantage and Medicare Part D. After or before open enrollment, you can make a change if you have an SEP "Special Election Period".

There is also an additional open enrollment period for Medicare Part B participants who did not enroll when they were first eligible. This window runs from January 1 through March 31, with coverage beginning July 1. After or before open enrollment, you can enroll if you qualify for an SEP (Special Election Period). If you are looking for more options or want to change your coverage, let us know.

If you do not want to be responsible for your Part B deductible, 20% coinsurance and other medical expenses, supplemental insurance may be right for you. Contact us for more information.

If you have lower income and are having difficulty paying your Part B, deductibles, coinsurance or your prescriptions, the Extra Help Program or Medicare Savings Program can help make your health care costs more affordable than they would be with the Medicare plan and Medicare Part D alone.

Your income and resources determine the level of assistance you receive. Eligibility is limited to annual income. If you believe you qualify for any of the programs, we can help.