What you need to know about Medicare

Learn about your options

You will soon be eligible for Medicare.  It may seem like a long way off, but now is the time to get the facts.  We’re here to help you understand your options before you enroll – so you can make an informed decision.

Did you know….

  • You only have three months before and after your 65th birthday to enroll in Medicare Part A and Part B without paying a penalty

  • Enrollment is not automatic – you must sign up to avoid a lapse in coverage

  • Medicare was never meant to cover all your medical expenses
  • Your insurance company can help you manage your Medicare benefits

Understand Medicare Basics

Original Medicare has two essential parts:

  • Part A is hospital insurance that covers hospital stays, skilled nursing care

           and more

  • Part B is medical insurance that covers doctor visits, outpatient care and more

Plus, you can get additional coverage that goes beyond Medicare Parts A and B from a private insurance company.

Cover expenses Medicare doesn’t

You can get additional coverage that meets your individual needs and helps protect your finances from rising medical costs.

Know your coverage options

When you become eligible for Medicare parts A and B, you can choose added coverage from a private insurance company approved by Medicare. 

  • Medicare Supplement Plans cover some of the expenses not covered by Parts A and B 
  • Medicare Advantage Plans (also known as Part C) combine Parts A and B with added benefits
  • Prescription drug coverage (also known as Part D) helps pay for the medications prescribed by your doctor

Answers to questions about Medicare

Q. Can I keep my doctor when I’m on Medicare?

A. With a Medicare supplement plan, you can use any doctor who accepts Medicare.  With a Medicare advantage plan, you can use any doctor who accepts Medicare in your plan’s network.  

Q. Will Medicare cover all my medical expenses?

A. Medicare will not cover all medical expenses.  However, there are a range of plans from private insurance companies to help fill the gaps in coverage. 

Q. Will Medicare cover my prescription drugs?

A. Original Medicare (Parts A and B) does not cover prescription drugs.  However, private insurance companies offer prescription drug plans    (Part D) that help cover the cost of generic and name brand drugs.

Q. Can any insurance company offer additional Medicare coverage?

A. No, an insurance company and its rates must be approved by the state in which it sells Medicare plans.  And the plans it sells must be approved by the Federal Government 

Q. When can I enroll in Medicare?

A. You are eligible to enroll inn Medicare beginning three months before your 65th birthday.

Q. When will my coverage start?

A. If you enroll as soon as you’re eligible, your coverage will begin as early as the first day of your birthday month.


Serving Indiana, Ohio, Kentucky, and Tennessee