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Understanding Medicare

A simple guide for those just starting their Medicare journey.


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Original Medicare is a federal health insurance program designed to help people aged 65 and older, and certain individuals under 65 with qualifying disabilities or conditions like End-Stage Renal Disease (ESRD). 

Since 1965, Medicare has helped millions of Americans afford essential healthcare, providing peace of mind and access to the care they deserve.










What is Original Medicare



IMPORTANT: Original Medicare is only made up of Parts A and B








The Four Parts of Medicare

Part A- Hospital Insurance


Part B - Medical Insurance


Part C - Medicare Advantage Plans 

Part D - Prescription Drug Coverage


Helps cover inpatient hospital stays, care in skilled nursing facilities, hospice care, and some home health services.

Covers doctor visits, outpatient care, preventive services, and some medical supplies.

These are plans offered by private insurance companies that bundle Parts A and B and often include additional benefits like vision, dental, or prescription drug coverage.

Helps cover the cost of prescription medications.

Who Qualifies for Original Medicare?

When to Enroll?

  • You’re 65 or older

  • If you're under 65 you may qualify after receiving Social Security Disability Insurance (SSDI) for 24 months.

  • You have End-Stage Renal Disease (permanent kidney failure requiring dialysis or transplant)

Initial Enrollment Period: This 7-month window starts 3 months before the month you turn 65 and ends 3 months after.

General Enrollment Period: January 1 to March 31 each year if you missed your initial period.

Special Enrollment Periods: Triggered by life changes like losing employer coverage or moving to a new area.

💡 If you’re already receiving Social Security benefits, you’re typically enrolled automatically in Parts A and B on your 65th birthday month.

Understanding when to enroll is key to avoiding penalties and gaps in coverage:

You may qualify for Medicare if:

But That’s Not the Finish Line...

Remember: Enrolling in Original Medicare is just the beginning.

Original Medicare does not cover everything—like prescriptions, dental, vision, or out-of-pocket costs.

Thankfully you do have options to help fill those gaps—and we’re here to guide you.

Get personalized help exploring your options.

No pressure—just clear answers from someone who’s on your side.

Talk to a Medicare Expert Now

Want to Understand Your Options First?

Learn the difference between Medicare Advantage and Medigap.

We’ll break it down simply so you can make a confident choice..

Talk to a Medicare Expert 

Compare Coverage Options