Are you about to turn 65, or retiring and leaving workplace benefits, or have qualified for a Special Enrollment Period? 

Medicare Basics

What is Medicare?

A federal health insurance program for:

• People 65 or older

• People under 65 with certain disabilities

• People of any age with End-Stage Renal Disease.

Most people become eligible for Medicare when they turn 65.

Your Medicare enrollment steps will differ depending on whether or not you are collecting retirement benefits when you enter your Initial Enrollment Period (IEP).

  • Medicare is the national health insurance program for citizens of the United States.

  • Everyone qualifies for Medicare at age 65, and some disabled citizens also are eligible.

  • There are four parts to Medicare: A, B, C, and D.

  • Part A is automatic and includes payments for treatment in a medical facility.

  • Part B is automatic if you do not have other healthcare coverage, such as through an employer or spouse.

  • Part C, called Medicare Advantage, is a private-sector alternative to traditional Medicare.

  • Part D covers prescription drug benefits.

Signing up for Medicare

If you aren’t getting benefits from Social Security (or the RRB) at least 4 months before you turn 65, you'll need to sign up with Social Security to get Part A and Part B.

If you decide to enroll in Medicare during your Initial Enrollment Period, you can sign up for Parts A and/or B by:

  • Visiting your local Social Security office

  • Calling Social Security at 800-772-1213

  • Mailing a signed and dated letter to Social Security that includes your name, Social Security number, and the date you would like to be enrolled in Medicare

  • Or, by applying online at

Should you stay with Original Medicare or switch to a Medicare Advantage Plan? What do you do to get the coverage you need?

Looking for Plans?

Medicare does not cover all your health care costs. You are responsible for:

 Monthly premiums

 Deductibles

 Coinsurance

 Co-payments

Will a Medicare Advantage Plan work for you?

Medicare Advantage (Part C)- The amount you pay for Part C (Medicare Advantage) premiums, deductibles, copayments and coinsurance varies by plan. 

Medicare Advantage offers at least the same coverage as Original Medicare and may offer additional benefits such as vision or dental. Some Medicare Advantage plans have a $0 premium. However, regardless of how much you pay for a Medicare Advantage Plan, you must continue to pay your Medicare Part B premium.

Things to consider when looking for a plan:

  • What is your current coverage for health, prescriptions, dental and vision? 

  • What do you like/dislike about your current coverage?

  • Do you have certain providers that you prefer to use?

  • What drugs do you take regularly?

  • Do you travel often?

  • How much do you currently pay for coverage?




Let us help you find the plan that works best with your needs!

Here are some helpful links from

Let's find the right plan for you!
  • Medicare Advantage
  • Medicare Supplement
  • Dual Enrollment
  • Special Needs
  • Long Term Care

Patient's Choice Benefits, LLC is a commercial site designed for the solicitation of insurance from selected health insurance carriers. It is not an insurer or a medical provider. It is not affiliated with Medicare. You may obtain a complete list of available Medicare plans by contacting 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult

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