The four parts at a glance
Part A covers hospital stays. Part B covers doctor visits and outpatient care. Part C (Medicare Advantage) is an all-in-one alternative offered by private carriers. Part D covers prescription drugs.
Medicare Basics
Medicare, Made Simple
Medicare is the federal health insurance program for people 65 and older and for some younger people with disabilities. It has four parts that work together — here's a plain-language overview.
Who's eligible and when
Most people qualify at age 65. Your Initial Enrollment Period is a 7-month window that starts 3 months before your 65th birthday month and ends 3 months after. Enrolling on time helps you avoid lifelong late penalties.
What it costs
Part A is usually premium-free if you or your spouse paid Medicare taxes long enough. Part B has a standard monthly premium and annual deductible. Parts C and D have premiums and copays that vary by plan and county.
Your next step
The right setup depends on your doctors, prescriptions, travel, and budget. We'll walk through your options together — no pressure, just clear answers.
Talk it through with a real person
No pressure. Just clear answers tailored to your situation.