Turning 65, or already on Medicare and not sure what's next? Use the free tools below — no sign-up to use them — then, if you'd like, a licensed local agent can walk you through your options at no cost.
The government plan: Part A (hospital) + Part B (doctors/outpatient). You can go to any provider that accepts Medicare. Doesn't cap your out-of-pocket on its own.
A private plan that replaces Original Medicare, often bundling drugs, dental, and vision. Lower premiums, but a network and an out-of-pocket max. Plans vary a lot by county.
Private insurance that sits on top of Original Medicare and pays the gaps (deductibles, coinsurance). Higher premium, fewer surprises, any Medicare provider.
Prescription drug coverage. A standalone plan with Original Medicare, or built into most Advantage plans. The right one depends on your specific prescriptions.
Which fits depends on your doctors, prescriptions, budget, and whether you travel. A licensed agent can compare the plans available in your county with you — free, no obligation.