Medicare

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Navigating Medicare can be complex, but we're here to help! Here's what you need to know: the

**1. Should you sign up for Medicare?**  
Everyone's situation is unique. Generally, if you're turning 65, have certain disabilities, or have End-Stage Renal Disease, you should consider signing up for Medicare. It's essential to review your health needs, financial situation, and existing coverage to make an informed decision.

**2. When to sign up for Medicare:**  
- **Initial Enrollment Period (IEP):** Starts three months before you turn 65 and ends three months after the month you turn 65.
- **General Enrollment Period (GEP):** January 1 to March 31 each year if you missed your IEP.
- **Special Enrollment Period (SEP):** Available if you have a qualifying life event, such as losing employer coverage.

**3. How to sign up for Medicare:**  
- Visit the Social Security website or call Social Security.
- Apply in person at your local Social Security office.
- If you're already receiving Social Security benefits, you'll be automatically enrolled in Medicare Part A and Part B.

**4. Enrollment into Medicare plans:**  
- **Original Medicare (Part A and Part B):** Covers hospital and medical services.
- **Medicare Advantage (Part C):** An alternative to Original Medicare, offering additional benefits.
- **Medicare Part D:** Prescription drug coverage.
- **Medigap:** Supplemental insurance to cover gaps in Original Medicare.

**5. Advocacy:**  
We provide personalized guidance to help you understand your options, ensuring you choose the right plan for your needs.

**6. Prescription drug help:**  
We'll assist you in selecting a Medicare Part D plan that covers your medications at the lowest cost.

**7. What are you eligible for and entitled to:**  
We can help you determine your eligibility for various Medicare plans and programs, ensuring you receive all the benefits you're entitled to.

Contact us today for a no cost consultation to understand your Medicare options!