Medicare Made Simple
Hi! We’re Jody and JoAnna. Navigating Medicare can feel like a challenge, but you don’t have to do it alone. We’re here to help you confidently find the right coverage at the right time—giving you total peace of mind to focus on what matters most.
Medicare First Steps
Set Up Your Social Security Profile
Even if you're not ready to start Social Security benefits, you'll still need a Social Security account to enroll in Medicare. Create your profile at least 3 months before turning 65. Then you can enroll in Medicare Parts A & B, track your earnings & benefits, and access Medicare documents.
If you're already receiving Social Security, you'll be automatically enrolled in Medicare.
Set Up Social SecurityAre You Turning 65 Soon?
It's time to enroll in Medicare — unless you're planning to keep working and have coverage through your employer. You have a 7-month enrollment window:
- 13 months before your 65th birthday
- 2Your birthday month
- 33 months after your birthday month
Employer Coverage Past 65?
If you're turning 65 but still working with employer coverage:
- You are automatically enrolled in Medicare Part A at 65, even while working.
- Delay Part B if you have credible employer coverage to avoid paying the premium.
- Leaving your job? You have an 8-month window to enroll in Part B after coverage ends.
Enrollment Periods
Annual Enrollment Period (AEP)
October 15 – December 7
Medicare Advantage Open Enrollment
January 1 – March 31
7-Month Window
Initial Enrollment
Around your 65th birthday
Oct 15 – Dec 7
Annual Enrollment Period
Change plans each fall
8-Month Window
Part B Special Enrollment
After leaving employer coverage
Jan 1 – Mar 31
MA Open Enrollment
Switch Medicare Advantage plans
Understanding Medigap Policies
Original Medicare (Parts A & B) covers most costs, but not all. Medigap — also called Medicare Supplement Insurance — helps pay the gaps like copays, coinsurance, and deductibles.
What Medigap Can Cover
Part A Coinsurance & Hospital Costs
Covers your share of hospital stays beyond what Medicare pays, including extended stays.
Part B Coinsurance or Copayment
Covers the 20% of outpatient costs that Original Medicare does not pay.
Part A Hospice Care Coinsurance
Helps cover costs for hospice care services approved under Medicare Part A.
Skilled Nursing Facility Coinsurance
Covers your daily coinsurance costs for skilled nursing facility care after a hospital stay.
Part A Deductible
Covers the inpatient hospital deductible you pay before Medicare begins covering your stay.
Foreign Travel Emergency
Some plans cover emergency care when traveling outside the United States.
Important Things to Know
- Sold by private insurers — Medigap plans are standardized by the government but sold through private insurance companies.
- Works alongside Original Medicare — You must have Medicare Parts A & B to purchase a Medigap policy.
- Does not include drug coverage — You'll need a separate Part D plan for prescription drug coverage.
- Best time to enroll — Your 6-month Medigap Open Enrollment Period begins the month you turn 65 and enroll in Part B. Guaranteed issue rights apply during this window.
- Cannot be combined with Medicare Advantage — Medigap supplements Original Medicare only, not Medicare Advantage (Part C) plans.
Not Sure Which Plan Fits?
Medigap plans are labeled A through N — each offering a different level of coverage. We'll help you compare options and find the right fit for your health needs and budget.
Claim Your Free Medicare Review!Popular Medigap Plans at a Glance
The most comprehensive plan available to new Medicare enrollees. Covers everything Plan F did except the Part B deductible — which you pay once a year.
What it covers
- Part A coinsurance & hospital costs
- Part B coinsurance (20%)
- Part A deductible
- Skilled nursing coinsurance
- Foreign travel emergency (80%)
Best for: those who want maximum coverage with predictable costs.
Lower premiums than Plan G with slightly more out-of-pocket exposure. You pay small copays at doctor visits and the ER, but no excess charges.
What it covers
- Part A coinsurance & hospital costs
- Part B coinsurance (with copays)
- Part A deductible
- Skilled nursing coinsurance
- Foreign travel emergency (80%)
Best for: healthy enrollees who want savings on monthly premiums.
The most basic Medigap plan. Covers core hospital and coinsurance costs but does not include the Part A deductible or skilled nursing coinsurance.
What it covers
- Part A coinsurance & hospital costs
- Part B coinsurance (20%)
- First 3 pints of blood
- Part A hospice coinsurance
Best for: those who want a low-cost safety net for major hospital bills.
Prescription Drug Coverage
Medicare Advantage (Part C)
Standalone Part D
Not Sure Where to Start?
Confused by the options: Medicare Advantage, Medigap, Part D? We'll help you choose the best plan for your needs — at no cost to you.
- Confused by the options: Medicare Advantage, Medigap, Part D? We'll help you choose the best plan.
- We shop hundreds of carriers to find you the lowest premium with the best coverage.
- Our service is completely free to you. We're paid by the insurance companies, not you.