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Health - Life - Medicare

Medicare-eligible / Turning 65?

Medicare Explained

When To Enroll in Medicare Part A & B:
You can begin to enroll in Medicare A and B three months before and after your 65th birthday.  Usually, your effective date will be the 1st of the month you turn 65. 

How To Enroll In Part A & B:

  • Online at www.SocialSecurity.gov
  • Call Social Security at:  1-800-772-1213
  • Your local Social Security office

What Services does Part A & B partially cover?

  • Part A:  Inpatient hospital stays, skilled nursing facility, hospice and home health care.  
  • Part B:  Doctor visits, outpatient care, medical supplies and preventive services.

Does Part A & B cover everything?
No, you still have annual deductibles and 20% coinsurance for hospital and medical services.  Also, your prescription costs are not covered.  To help with these out of pocket expenses, you have plan options:

Original Medicare:  What does Medicare A & B cover?

Medicare Part A covers Hospital Services:

Medicare Part B covers Medical Services:


Preventive & Screening services:

Related resources



Plan D star ratings
Medicare's Star Rating System measures the performance of Medicare Advantage and Part D plans.  The Rating System scores how well plans perform in several categories:  quality of care and customer service.  Ratings range from 1.0 to 5.0 stars, with five being the highest and one being the lowest. 


You can use the overall star rating to compare performance among several different plans but it's most important to make sure the plan you choose has your prescriptions covered their their formulary list.  


Medicare reviews plan performance yearly and releases new star ratings each fall. - click here to view your carriers star rating

Choosing a Medigap Policy
2020 - Medigap Policy.pdf
Adobe Acrobat document [884.4 KB]
Medicare and You
Medicare You 2021.pdf
Adobe Acrobat document [3.1 MB]
Your Medicare Benefit
Your Medicare Benefits 2021.pdf
Adobe Acrobat document [2.1 MB]

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Christopher S. Kudryk
Insurance Specialist

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