A
Part A: Hospital Insurance
Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care.
💰 Usually free at 65 if you paid Medicare taxes 10+ years.
Everything you actually need to know about Medicare.
No jargon. No sales pitch. Just the essentials — the same lesson we'd give our own parents.
Start here8:04
The 8-minute Medicare walkthrough
B
Part B: Medical Insurance
Covers doctor visits, outpatient care, medical supplies, preventive services.
💰 $174.70/mo standard premium (2024, higher if you earn more).
C
Part C: Medicare Advantage
A private plan that replaces Original Medicare. Often bundles A + B + D plus extras like dental and vision.
💰 Premiums vary — many are $0/mo.
D
Part D: Prescription Drugs
Standalone or included in Advantage. Skipping when eligible triggers a lifetime penalty.
💰 Average $30–50/mo depending on plan.
Am I eligible?
You qualify for Medicare if…
- You're turning 65 (regardless of retirement status).
- You've received Social Security Disability for 24 months.
- You have End-Stage Renal Disease (ESRD).
- You have ALS (eligible the month benefits start).
Please stop believing these.
Myth
“Medicare is free.”
Truth
Part A usually is. Part B has a premium, and other coverage costs extra.
Myth
“I have to enroll at 65.”
Truth
Only if you don't have qualifying employer coverage. Otherwise you can delay Part B without penalty.
Myth
“All plans are basically the same.”
Truth
Networks, drug lists, and extras vary wildly between plans — and between years.
Ready to take command of your Medicare?
Book a free 20-minute call with a licensed advisor. No pressure, no upsell — just clear answers about the plans available where you live.