Medicare

What is Medicare?

Medicare is a federal health insurance program for people 65 years old and older, and people of all ages with a qualifying disability, such as Lou Gehrig’s Disease (ALS) or End Stage Renal Disease (ESRD). The Initial Enrollment Period is from 3 months before you turn 65 until 3 months after. A late enrollment penalty may apply for those who join late. (In some cases the penalty may go up 10% for every year, or even 1% for every month in which you could have had coverage, but didn’t!) If you have any questions about Medicare, or would like to explore options that will allow you to go to doctors, hospitals, and other care providers of your choice, rather than only those who accept Medicare patients, please call a licensed, independent insurance agent at 702-518-0552 or contact us online today. 


The following information provides an overview of the services covered under Medicare Part A, Part B, Part C, Part D, and Medigap Plans A~N. This list is to be used as a general guideline only. Some limitations may apply. For detailed information on specifically what is and isn’t covered, or what your out-of-pocket expenses may be, please call a licensed, independent insurance agent at 702-518-0552 or contact us online today. We will be happy to answer your questions. 

Medicare: Part A, B, C, D

Original Medicare is Part A and/or Part B

Services that are generally covered by Part B

Medicare Advantage is Part C
Medicare Prescription Drug Coverage is Part D

Your (out-of-pocket) Cost

More Information…

Medigap plans (a~n)

Medicare Enrollment and Disenrollment Dates

Long-Term Care is not covered by Medicare

What if I can't afford my Medicare coverage?

Definitions/Glossary of Terms

Also see: Medicare Enrollment Periods & Dates to Remember


Medicare is a very complex program. Understanding the difference between the different plans and keeping track of important dates can be quite daunting. Heart to Heart Insurance Agency, LLC respects your right to choose. If you have any questions and would like to speak to a licensed, independent insurance agent/broker at Heart to Heart Insurance Agency, LLC please call 702-518-0552 or contact us online today. We can guide you through the Medicare enrollment process with ease, answer all of your questions, review your policy, advise when a provider makes changes that may affect you, and remind you about important upcoming dates.