Hey there—if you’re approaching your 65th birthday, first of all… congratulations! 🎉 Whether you’re planning your dream retirement or just trying to navigate the next phase of life, one big milestone comes into play: Medicare.
We know Medicare can feel a bit overwhelming (Parts A, B, C, D—what?). But don’t worry—you don’t have to figure it all out on your own. We’re here to make it simple.
What Is Medicare, Anyway?
Medicare is a federal health insurance program for people aged 65 and older (and for some younger folks with certain disabilities). It helps cover many healthcare costs—but not everything—so it’s important to understand your options.
Medicare has four parts:
- Part A – Hospital Insurance (covers inpatient care, hospice, skilled nursing, etc.)
- Part B – Medical Insurance (covers outpatient care, doctor visits, preventive services)
- Part C – Also known as Medicare Advantage (offered by private insurers, often includes extra benefits)
- Part D – Prescription Drug Coverage (helps pay for medications)
When Should You Enroll?
You have a 7-month window to sign up:
- 3 months before your 65th birthday
- The month of your birthday
- And 3 months after
Signing up on time is important—missing your Initial Enrollment Period can lead to late penalties (and nobody wants those).
🎯 TIP: If you’re already receiving Social Security benefits, you’ll likely be auto-enrolled in Parts A and B. But if you’re not, you’ll need to take action.
What Are Your Coverage Options?
You’ve got choices! Depending on your lifestyle, health needs, and budget, you might choose:
- Original Medicare (Parts A & B) – You can add a Part D plan for drug coverage and a Medigap plan to help with out-of-pocket costs.
- Medicare Advantage (Part C) – These plans bundle hospital, medical, and usually drug coverage all in one. Some even include extras like dental, vision, or fitness benefits.
Not Sure What’s Right for You?
You’re not alone—most people need help sorting through their options.
At Ellen Daniels Agency, we specialize in helping folks like you understand Medicare without the jargon. We’ll walk you through your options and help you find the plan that fits your life—not just the fine print.
💬 Ready to Chat? Let’s Make Medicare Simple.
Whether you’re turning 65 soon or just want to get a head start, we’re here to help. Reach out for a free, no-obligation Medicare review. No pressure—just good info and friendly guidance.
👉 Call us at 401-413-4183
👉 Schedule your consultation online here
Medicare isn’t one-size-fits-all. The best thing you can do is get informed early and ask questions. We’re here to answer them—with real talk and real support.
Let’s make this next chapter one to celebrate.