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What is Medicare?

Medicare is a federally funded health insurance program in the United States. It was established in 1965 under the Social Security Act and is primarily aimed at providing health coverage for individuals who are 65 years old or older, as well as certain younger individuals with certain disabilities or specific medical conditions.

Medicare is divided into several parts, each covering different aspects of healthcare:

  1. Medicare Part A (Hospital Insurance)

  2. Medicare Part B (Medical Insurance)

  3. Medicare Part C (Medicare Advantage)

  4. Medicare Part D (Prescription Drug Coverage)

Parts of Medicare

How to get started with Medicare

1.   Determine Your Eligibility: Most people become eligible for Medicare when they turn 65. Your Initial Enrollment Period (IEP) is a 7-month period that includes:

  • Three months before your 65th birthday month

  • The month of your 65th birthday

  • Three months after your 65th birthday month

2.   Enrollment Options: If you're already receiving Social Security benefits, you'll likely be automatically enrolled in Medicare Part A and Part B. You'll receive your Medicare card in the mail about three months before your 65th birthday.

  • If you're not receiving Social Security benefits and need to enroll manually, you can do so through these methods:

    • Online: Visit the Social Security Administration (SSA) website at to apply for Medicare.

    • In Person: Visit your local Social Security office to apply in person.

    • By Phone: Call the Social Security Administration at 1-800-772-1213 (TTY: 1-800-325-0778) to apply over the phone.

3.   Choose Your Coverage:

  • You have options for Medicare coverage, including:

    • Original Medicare (Part A and Part B)

    • Medicare Advantage (Part C)

    • ​Medicare Supplement (Medi Gap)​

    • Medicare Part D (Prescription Drug Coverage)

When choosing your coverage it is recommended to use a health plan advisor, also known as a Medicare advisor or insurance broker, who can offer several benefits. Advisors are knowledgeable about different Medicare plans and can provide personalized guidance to help you find the best coverage. They save you time by comparing plans, assisting with enrollment, and keeping you informed about changes. Advisors offer unbiased advice at no cost and provide peace of mind that you've made an informed decision about your healthcare coverage.


Rosio Stella

Licensed Insurance Agent

Lic # 4020125

Cell: (424) 227-2150 call / text

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