Age 65+ · Medicare

Medicare at 65, made simpler.

Turning 65 comes with a lot of choices: Medicare Advantage, Medicare Supplement (Medigap), Part D. The right answer depends on your doctors, your prescriptions, and where you live. A licensed insurance agent can walk you through what's available in your county.

Explore Medicare options → Or call (833) 725-0912

Your county

Plans vary by where you live

Medicare Advantage and Part D plans are county-specific. The same plan name may cost different amounts, or not exist at all, in a neighboring ZIP code.

Your doctors

Networks and drugs matter

The right plan depends on whether your doctors accept it and whether your prescriptions are covered. A licensed agent checks both, so you don't have to guess.

Multiple carriers

One conversation, real comparison

The agents we connect you with typically represent multiple Medicare carriers, so you can see what's actually available side by side instead of one company's pitch.

What it actually is

Medicare in plain English, without the alphabet soup.

Original Medicare is run by the federal government and has two parts: Part A covers hospital stays, and Part B covers doctor visits and outpatient care. It does not include prescription drugs and has no out-of-pocket maximum.

Medicare Advantage (Part C) is a private plan that bundles Parts A, B, and usually Part D drug coverage into one plan, often with extras like dental, vision, or fitness benefits. Networks and premiums vary by plan and county.

Medicare Supplement (Medigap) is a private plan that helps cover what Original Medicare doesn't, like copays and coinsurance. It's used alongside Original Medicare, not instead of it. People who choose Medigap usually pair it with a separate Part D plan for prescriptions.

Most people end up choosing either Original Medicare + Medigap + Part D, or a Medicare Advantage plan that bundles everything. The right answer depends on your doctors, your prescriptions, your budget, and whether you travel. A licensed insurance agent helps you compare the actual options available in your county.

How it works

Simple, and on your terms.

Tell us a few things

ZIP code, your current Medicare situation, and what you're trying to figure out. Two minutes, no commitment.

We connect you with an agent

A licensed insurance agent who handles your county and works with multiple Medicare carriers, so you can compare what's actually available.

Decide on your timeline

The same agent reviews your options, checks your doctors and prescriptions against each plan, and stays with you from start to finish. No pressure, no obligation.

Verify anyone, before you talk to them.

Every U.S. insurance agent is listed in the National Insurance Producer Registry. Look anyone up free, no account needed. It is the same database state insurance regulators use.

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Common questions

Answers, in plain English.

The questions most people ask before they call. If yours isn't here, an agent can walk you through it.

Medicare Advantage vs Medigap, what's the difference?

Medicare Advantage (Part C) is an all-in-one private plan that replaces Original Medicare and usually includes drug coverage. Medigap is a private plan that works alongside Original Medicare to help cover copays and coinsurance, typically paired with a separate Part D drug plan. They serve different needs, and the right answer depends on your doctors, your drugs, and how you use care.

When can I enroll in Medicare?

Your Initial Enrollment Period is a 7-month window around your 65th birthday: 3 months before, your birthday month, and 3 months after. There's also a yearly Annual Enrollment Period (October 15 to December 7) when you can change Medicare Advantage and Part D plans. Special Enrollment Periods may apply if you lose other coverage or move.

Do I need a separate Part D plan?

If you choose Original Medicare or Medigap, yes, you'd typically add a standalone Part D plan for prescriptions. Most Medicare Advantage plans include Part D coverage already. There can be a late enrollment penalty if you go without drug coverage when first eligible, so it's worth setting up at the same time.

What if I have employer coverage and I'm turning 65?

It depends on the size of the employer and how their plan works with Medicare. Some people delay Part B without penalty if they have qualifying employer coverage; others should enroll on time to avoid future penalties. A licensed insurance agent can walk you through how your specific employer plan coordinates with Medicare.

How much does Medicare cost?

Part A is usually premium-free if you or your spouse paid Medicare taxes long enough. Part B has a monthly premium set each year by the federal government, with higher amounts for higher incomes. Medicare Advantage, Medigap, and Part D premiums are set by private carriers and vary by plan and area. The agent will quote you actual numbers for your situation.

Why use a licensed agent instead of going direct to a carrier?

A single carrier can only show you their plans. A licensed insurance agent who represents multiple carriers can compare options across companies in your county, so you see real choices. There's no cost difference to you: agent compensation is built into how Medicare distribution works and doesn't change your premium.

Ready when you are

See what's available in your county.

Based on your answers, a licensed insurance agent who handles your county can walk you through your options. No pressure, no obligation.

Explore Medicare options → Call (833) 725-0912