Get the Right Medicare Plan from a Trusted Source

Compare Medicare coverage options to see what's right for you.

Find plans in your area

Initial Enrollment Period 101:
you’ve got questions, we’ve got answers

The Initial Enrollment Period (IEP) is your chance to sign up for Original Medicare around your 65th birthday. It’s a seven-month period that starts three months before your birthday month and ends three months after your birthday month. If you enroll before your birthday, your coverage begins on the first day of the month you turn 65. Enroll in a Medicare plan during this period to avoid any potential late enrollment fees. Here are some other questions you might ask yourself about the IEP.

caret caret

What are the different types of Medicare and what do they cover?

  • Medicare Part A: Inpatient care (hospital, hospice, skilled nursing facility).
  • Medicare Part B: Preventive services, ambulance services, and more.
  • Original Medicare: Part A and Part B combined.
  • Medicare Advantage (Part C): Run by private insurers; covers Parts A and B plus potentially additional benefits like vision and dental coverage.
  • Medicare Supplement (Medigap): Covers health care costs Original Medicare doesn’t, like copayments, coinsurance, and deductibles.
  • Prescription Drug Coverage (Part D): Generic drugs and drugs on a tiered basis (call for more information).
caret caret

Do I have to sign up for Medicare right now?

You are entitled to Medicare once you turn 65, but not required to enroll. The Initial Enrollment Period is a good time to enroll in a Medicare plan. You’ll avoid potential late enrollment fees and start receiving benefits around your 65th birthday.
caret caret

When will my coverage start?

Depending on when you enroll, your coverage start may vary.
  • If you enroll within the three months before your birthday month, your coverage starts on the first day of your birthday month.
  • If you enroll during your birthday month or the three months that follow, your coverage will be delayed. Call for more information.
It’s better to enroll early in the IEP to avoid any delay in your coverage.
caret caret

What if I still have coverage through work?

If you still have coverage through work, talk to your health administrator to see if and when you should enroll in a Part B plan.
caret caret

What if I’m already getting benefits from Social Security or the Railroad Retirement Board (RRB)?

You most likely wouldn't have to enroll in Medicare if you already receive Social Security benefits or the Railroad Retirement Board. If you’re getting these benefits, in most cases, you’ll automatically get Part A and Part B starting the first day of the month you turn 65.

Medicare provides a wide variety of plan options—we can help decide which is best for you and your specific needs!

stethoscope

Medicare Advantage
(Part C)

Learn More
heart

Medicare Part D

Learn More
cards

Dual Eligible Special Needs
Plan (DSNP)

Learn More
Clipboard

Supplemental Medicare
(Medigap)

Learn More

Want to talk to one of our licensed agents?
Fill out the form and we will contact you soon!**

Still have questions about Medicare Advantage?

We're here to help!

Fill out the form below and one of our licensed agents will contact you soon!**