From phone calls, letters, tv commercials and so much more understanding Medicare and what plans is best for your needs can be very overwhelming. Sitting down with a local agent to review your needs, physicians, medications and over health needs will help you to have the knowledge to select the best plan for you. After enrollment your local agent will be available to answer your questions and review your plan yearly.

Medicare is a federal health insurance program primarily for people aged 65 and older. It also covers certain individuals with disabilities and those with end-stage renal disease (ESRD) or amyotrophic lateral sclerosis (ALS).

Medicare consists of four parts:

• Part A: Hospital insurance that covers inpatient hospital stays, skilled nursing facility care, and some home health services.
• Part B: Medical insurance that covers doctor visits, outpatient care, preventive services, and medical supplies.
• Part C: Medicare Advantage plans offered by private insurance companies that provide Part A, Part B, and often additional benefits like prescription drug coverage.
• Part D: Prescription drug coverage available through private insurance companies to help with the cost of prescription medications.

Most people are automatically enrolled in Medicare Part A and Part B when they turn 65 if they are already receiving Social Security or Railroad Retirement Board benefits. If not, individuals can sign up during their Initial Enrollment Period (IEP), which is a seven-month period surrounding their 65th birthday.