I explain Original Medicare and how Parts A, B, C and D fit together.
Part A covers hospital stays, Part B covers doctor visits and outpatient care, Part C (Medicare Advantage) bundles A and B (and usually D) through a private plan, and Part D covers prescription drugs. Knowing what each part does is the foundation of every Medicare decision.
Your Initial Enrollment Period is a 7-month window — the 3 months before, the month of, and the 3 months after you turn 65. Missing it can lead to lifelong late-enrollment penalties, so timing matters.
Most people pay nothing for Part A. Part B has a monthly premium plus an annual deductible. Part C and Part D premiums vary by plan and by where you live. We walk through real numbers — never just averages.
Part A is premium-free for most people who paid Medicare taxes for at least 10 years. Part B, C and D each have their own costs.
Not always. If you have qualifying employer coverage, you may delay Part B without penalty. We help you confirm whether your coverage qualifies before you skip enrollment.
Yes. The Annual Enrollment Period (Oct 15 – Dec 7) lets you change plans every year, and certain life events open Special Enrollment Periods.
Talk with a real person — no pressure, just clear answers.
