What is Medicare?

It is a federal health insurance program for people who meet age and/or health requirements

Medicare is a multipart system with each part paying for a different health care cost.

Part A: Helps pay for hospital and facility costs

Part B: Helps pay for medical costs

Part C: Helps pay for hospital, medical costs, and more

Part D: Helps pay for prescription drugs

Who is Medicare For?

It’s for:

  • People who are 65 and older
  • People of any age with disabilities
  • People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD)


Is there a penalty if I delay my enrollment?
Your monthly premium will permanently¬†increase 10% for each 12-month period¬†you could have enrolled but did not. This would mean you decided not to sign up during your Initial Enrollment Period or a Special Enrollment Period (if you qualify). However, if you get insurance through your job or your spouse’s, then you don’t have to pay the penalty.
What are the benefits of signing up at 65?
Unless you or your spouse are still working, if you don’t sign up for Part B during your Initial Enrollment Period, you may only be able to sign up during the General Enrollment Period or a Special Enrollment Period (if you qualify).

    Drop a Note

    Edna has been in business for 30 years, offering all lines of insurance.
    As an independent agent, she is contracted with several carriers. This allows her to assess individual needs and custom design a policy portfolio to suit those needs.