Medicare Basics · Southeast
New to Medicare? Start Here
Medicare mailers and phone calls can be overwhelming. We walk beneficiaries through Parts A, B, C, and D, enrollment windows, and how to choose coverage that fits your doctors, prescriptions, and budget.
What We Review
Your Initial Enrollment Period
The 7-month window around your 65th birthday is your most important enrollment window. Missing it can result in permanent late enrollment penalties on your Part B and Part D premiums.
Part A vs. Part B
Most people qualify for premium-free Part A (hospital insurance). Part B (medical insurance) has a monthly premium and covers doctor visits, outpatient care, and preventive services.
Choosing Supplemental Coverage
Original Medicare alone leaves significant gaps. You will typically choose either a Medicare Advantage plan (Part C) or a Medicare Supplement (Medigap) plan to fill those gaps.
Prescription Drug Coverage
Most beneficiaries need Medicare Part D for prescription drug coverage. Delaying enrollment when you first become eligible can result in a permanent monthly penalty.
Working Past 65
If you or your spouse has active employer coverage, special rules govern when you must enroll. Getting this right avoids penalties and coverage gaps.
- Independent Medicare advisor
- Licensed in FL, AL, GA & NC
- Virtual appointments across the Southeast
Want more detail? Compare Medicare plan options