Medicare is a government-funded health insurance program designed to help with hospital, medical, and prescription drug costs. If you’re turning 65 — or already eligible due to a disability — you’ll need to understand your coverage choices and when to enroll to avoid penalties or missed benefits.

Unlike employer health insurance, Medicare only covers one person at a time and offers a variety of private and public options, including:

* Original Medicare (Parts A & B) – government hospital and medical insurance

* Medicare Advantage (Part C) – all-in-one plans offered by private insurers

* Prescription Drug Plans (Part D) – standalone drug coverage of private insurers

* Medicare Supplement (Medigap) – optional add-on coverage that helps pay what Medicare doesn’t.

Not sure which route is right for you? We can help you understand your choices and get enrolled on time.