Medicare Education
Understanding Medicare
Medicare is the federal health insurance program for people 65 and older and certain younger individuals with disabilities. Understanding your options can help you make more informed decisions during enrollment.
Medicare Parts Overview
Part A — Hospital Insurance
Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health services. Most people do not pay a premium for Part A if they or their spouse paid Medicare taxes while working.
Part B — Medical Insurance
Covers outpatient care, doctor visits, preventive services, and some medical equipment. Part B requires a monthly premium.
Part C — Medicare Advantage
An alternative to Original Medicare offered by private insurers approved by Medicare. Plans typically include Part A and Part B benefits and often include Part D prescription drug coverage. Plans vary significantly in cost, coverage, and network.
Part D — Prescription Drug Coverage
Adds prescription drug coverage to Original Medicare. Available through stand-alone plans or included in some Medicare Advantage plans. Plans vary by formulary, cost, and pharmacy network.
Enrollment Periods
Initial Enrollment Period
A 7-month window around your 65th birthday — 3 months before, the month of, and 3 months after. Missing this window without qualifying coverage may result in late enrollment penalties.
General Enrollment Period
January 1 – March 31 each year for those who missed their Initial Enrollment Period. Coverage typically begins July 1.
Special Enrollment Period
Available in certain qualifying situations, such as losing employer-sponsored coverage. Allows enrollment outside standard windows without penalty.
Annual Open Enrollment
October 15 – December 7 each year. Allows changes to Medicare Advantage and Part D plans for the following year.
Official Medicare Resources
The following links go to official government sources. JTFSS is not responsible for third-party content.
Questions About Medicare?
Schedule a no-obligation consultation to discuss your Medicare questions and options.
Schedule an AppointmentMedicare information on this page is for general educational purposes only. Medicare rules, premiums, and plan availability change annually. Consult Medicare.gov or a licensed agent for current information specific to your situation. Services are offered only where the agent is licensed.