KBenefits Insurance Services
Medicare Plan Options

Medicare Explained

Medicare Basics

1-  When To Enroll in Medicare Part A & B:
Three months prior to your 65th birthday you can start to the process. Your effective date will be the 1st of the month you turn 65.    You have a 3 months before turning 65 and three months after turning 65 to enroll in Medicare A & B.

2 - 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

3 -  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.

5 -  Does Part A & B cover everything?
No, you still have to pay 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



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]

Need free assistance?

Speak to a licensed Medicare agent for questions, quotes and enrollment assistance.
Call 732-333-1976 / chris@kbenefits.com / online

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