Medicare 65+
What is Medicare?
Medicare is a federal health insurance program primarily for individuals aged 65 and older, as well as certain younger individuals with disabilities. It consists of:
Part A – Hospital Insurance (covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care).
Part B – Medical Insurance (covers doctor visits, outpatient care, preventive services, and some home health care).
Important: Medicare Part B has a monthly premium, which most people must pay regardless of the type of Medicare plan they choose.
In 2025, the standard Part B premium is $185.00 per month, an increase of $10.30 from $174.70 in 2024.
If your modified adjusted gross income exceeds certain thresholds, you may be subject to an Income-Related Monthly Adjustment Amount (IRMAA), resulting in higher premiums. For example, individuals with incomes above $106,000 and couples above $212,000 will pay more for Part B.
The only exception is if you qualify for Medicaid, which may help cover this cost.
Where and How to apply for medicare?
You can apply for Medicare through:
The Social Security Administration (SSA) website at www.ssa.gov
Your local Social Security office
By calling 1-800-772-1213
If you're already receiving Social Security benefits, you may be enrolled automatically in Part A and Part B when you turn 65.
Need help with additional coverage?
Once you're enrolled in Medicare Part A and Part B, give us a call — our licensed experts are ready to help you with the next steps:
Medicare Advantage (Part C) – An all-in-one alternative to Original Medicare offered by private insurance companies. These plans combine your Part A (Hospital Insurance) and Part B (Medical Insurance) into a single plan, often with extra benefits that Original Medicare doesn’t cover, such as:
- 1.Prescription Drug Coverage (Part D) – Often included
- 2.Vision, Dental, and Hearing Benefits
- 3.Fitness Programs like SilverSneakers®
- 4.Transportation assistance and over-the-counter allowances
- 5.$0 copay for preventive care services
Many of these plans have low or even $0 monthly premiums, making them an affordable way to get enhanced healthcare benefits while keeping your costs under control.
Medicare Supplement (Medigap) – Helps cover out-of-pocket costs such as deductibles, copays, and coinsurance.
Medicare Prescription Drug Plans (Part D) – Covers the cost of prescription medications.
We are contracted with all major carriers, giving you access to the best plans available in your area. Our services are completely free, and we’re here to help you make the best decision for your healthcare needs.
Fill out the form below or contact us today for a free consultation. Let us help you get the coverage you deserve.