Welcome to Medicare

Understand Your Options.
Choose With Confidence.

Medicare is a federal health insurance program primarily for people age 65 or older, certain younger people with disabilities, and people with permanent kidney failure or ALS. It is administered by the Centers for Medicare & Medicaid Services to help pay for healthcare costs.

Start Shopping

The Four Parts of Medicare

Ready to Compare Medicare Plans?
At No Cost to You!!!

Review Medicare Supplement, Medicare Advantage, and prescription drug plan options, or speak with a licensed Medicare advisor for personal assistance.

Compare Medicare Plans → Call 800-235-0876

Choose the Medicare Option That’s Right for You

Option 1 - Medicare Supplement plus Part D Drug Plan Option 2 - Medicare Advantage Plan with possible drug coverage and extra benefits

You May Qualify for a Special Needs Plan

Dual Special Needs Plan (D-SNP)

If you have both Medicare and Medicaid, you may qualify for a Dual Eligible Special Needs Plan. These plans are designed to coordinate Medicare and Medicaid benefits and may include additional care coordination and supplemental benefits.

M
Medicare Sample Coverage Card
Sample Only
Member Name John A. Sample
Coverage Parts A & B
Sample ID XXX-XXX-1234
Effective 01/01/20XX
+
Medicaid Sample Coverage Card
Sample Only
Member Name John A. Sample
Program Medicaid
Sample ID 0000001234
Status Eligible

Sample cards are for illustration only. Actual Medicare and Medicaid identification cards vary by program, state, and issuer.

Chronic Special Needs Plan (C-SNP)

If you have a qualifying serious or disabling chronic health condition, you may be eligible for a Chronic Condition Special Needs Plan.

  • Diabetes mellitus
  • Chronic heart failure
  • Cardiovascular disorders
  • Chronic lung disorders or COPD
  • End-stage renal disease
  • Certain neurologic disorders
  • Cancer
  • HIV/AIDS
B

Do I Really Need to Get Part B?

Part B helps pay for doctor visits, outpatient care, preventive services, medical equipment, testing, and more. Without Part B, you may be responsible for the full cost of these services.

  • Part B is generally required to enroll in Medicare Advantage.
  • Part B is normally needed for Medicare Supplement coverage to work as intended.
  • Delaying Part B without qualifying coverage may cause a lasting late-enrollment penalty.
Calculate Your Part B Penalty →
Rx

Do I Need a Drug Plan if I Don’t Take Any Medicines?

Even when you do not currently take medications, prescription drug coverage can protect you from future costs and help you avoid enrollment penalties.

  • Your health and medication needs can change unexpectedly.
  • Going without creditable drug coverage may result in a late-enrollment penalty.
  • You may have to wait for an eligible enrollment period to obtain coverage.
  • A lower-premium Part D plan may provide protection for future needs.
Calculate Your Part D Penalty →

Medicare Part B Enrollment Forms

CMS 40B — Enroll in Medicare Part B

Completed and submitted by the Medicare beneficiary when enrolling in Part B.

Download CMS 40B →
CMS L-564 — Proof of Employer Coverage

Completed by the employer to document qualifying employer group health plan coverage.

Download CMS L-564 →

Need to enroll or visit Social Security?

Find a Social Security Office → Enroll in Medicare Online →

This calculator is for educational estimates only. Actual penalties are determined by Medicare/CMS and may vary based on eligibility, employer coverage, creditable coverage, and Special Enrollment Period rules.

Higher Income?

Some Medicare beneficiaries pay an Income-Related Monthly Adjustment Amount, or IRMAA, in addition to the standard Part B premium and Part D plan premium.

Check Your Estimated IRMAA Costs →

Not Sure Which Option Is Right for You?

A licensed Medicare advisor can help you compare providers, prescriptions, premiums, benefits, and possible assistance programs.

Call a Licensed Medicare Advisor