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Whether you’re turning 65, retiring, or just exploring your options, our licensed advisors are here to guide you every step of the way.
Medicare is a federal health insurance program designed primarily for people age 65 and older, but it also covers younger individuals with certain disabilities and those with End-Stage Renal Disease (ESRD).
You may be eligible for Medicare if:
Medigap plans help cover costs that Original Medicare (Parts A & B) doesn’t, such as:
These plans are standardized and named by letters (Plan A, Plan G, Plan N, etc.). You must have Original Medicare to buy a Medigap policy. Most don’t include drug coverage—so you may also need a Part D plan.
Feature | Original Medicare | Medicare Advantage |
Doctor Choice | Any provider that accepts Medicare | Usually requires network providers |
Prescription Drugs | Not included (need Part D) | Often included |
Extra Benefits | Rarely included | Often includes dental, vision, hearing |
Referrals | Not usually required | Often required for specialists |
Out-of-Pocket Limit | No limit | Annual limit on expenses |
Initial Enrollment Period (IEP)
Starts 3 months before your 65th birthday and ends 3 months after. This is the best time to enroll to avoid penalties.
General Enrollment Period (GEP)
From January 1 – March 31 each year. Coverage begins July 1. You may pay a late enrollment penalty.
Open Enrollment Period (OEP)
From October 15 – December 7 each year. This is when you can:
Special Enrollment Periods (SEP)
You may qualify if you:
Medicare is divided into four parts. Here’s what each one covers:
Part A – Hospital Insurance
Helps cover:
Cost: Usually premium-free if you or your spouse worked and paid Medicare taxes for at least 10 years.
Part B – Medical Insurance
Helps cover:
Cost: Monthly premium required (based on income), plus a yearly deductible and 20% coinsurance for most services.
Part C – Medicare Advantage
Also known as Medicare Advantage, Part C plans are offered by private insurers like those we work with at EIMA Health. These plans:
Part D – Prescription Drug Coverage
Helps cover the cost of:
Note: Part D plans are offered by private insurers. You can get one as a standalone plan or bundled with a Medicare Advantage plan
Medicare plans made simple! Get the coverage you need with options that fit your budget.
Speak with a licensed expert today!
Choosing the right Medicare plan can feel overwhelming—but it doesn’t have to be.
With EIMA Health, you get:
We help you understand the details, compare your options, and enroll in the right coverage—all at no cost to you.
What’s the difference between Medicare and Medicaid?
Medicare is a federal health program primarily for seniors and certain disabled individuals. Medicaid is a state-based program that provides coverage for people with limited income.
Can I keep my current doctor with Medicare?
If your doctor accepts Medicare, you can keep them under Original Medicare. With Medicare Advantage, you may need to choose from a provider network.
What if I miss my enrollment window?
You may face late enrollment penalties and delays in coverage. Our advisors can help you navigate special enrollment opportunities.
Is Medicare Advantage better than Original Medicare?
It depends on your health, lifestyle, and budget. EIMA Health helps you compare both to find what fits you best.
LICENSED IN
EIMA Health Insurance is not connected with or endorsed by the United States government or the federal Medicare program.
We do not offer every plan available in your area. Any information we provide is limited to the plans we offer in your area. Contact Medicare.gov or 1-800-MEDICARE to get information on all your options.
