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Medicare has four main parts and optional Supplement plans.
Part A covers hospitalization; 99% of enrollees qualify for free coverage at age 65.
Part B covers outpatient care, costs about $185 monthly, with higher rates for high-income earners.
Part C, Medicare Advantage, bundles A, B, usually prescriptions, and averages 38 plan options locally.
Part D covers prescriptions, with a $2,000 annual out-of-pocket cap, and Medigap reduces remaining costs.

Enrolling in Medicare on time helps avoid lifelong premium surcharges that can significantly raise costs.
Reviewing plan options each year during open enrollment allows retirees to adjust coverage as healthcare needs and costs change.
Switching plans strategically may lower premiums, copays, or provide better benefits.
Buying a Medigap policy early offers protection against high out-of-pocket expenses and ensures easier approval.
Together, these steps can help reduce healthcare costs and make retirement savings last longer.

Medicare provides health insurance for seniors 65+ and people with disabilities in the U.S.
Eligibility begins at 65 or after 24 months on SSDI, with sign-up periods varying.
Original Medicare (Parts A & B) covers hospital and outpatient care; Part D adds prescriptions.
Medicare Advantage (Part C) combines Parts A and B, often including dental, vision, and hearing.
Costs vary: Part A ~$0, Part B $185–$629, Part C & D vary by plan.

If you qualify for both Medicare and Medicaid, you're a dual eligible—and may get extra benefits.

Indigenous Peoples’ Day celebrates, recognizes, and honors the beautiful traditions and cultures of the Indigenous People
We take a stand for and support the indigenous people on this day.
We should also offer our support to those who invest and uplift the indigenous communities.

Yes—some Medicare Advantage plans give you money to buy over-the-counter health items each month.

You can’t get Medigap with Medicare Advantage.
It’s only for those who stick with Original Medicare.