Turning 65? Retiring soon?

We are here to help you navigate Medicare coverage and select supplemental insurance that will meet your needs.

Medicare Timeline


Medicare Part A (Hospital Insurance) helps cover:

  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care

Medicare Part B (Medical Insurance) helps cover:

  • Services from doctors and other health care providers
  • Outpatient care
  • Home health care
  • Durable medical equipment
  • Many preventive services

Medicare Part C (Medicare Advantage):

  • Includes all benefits and services covered under Part A and Part B
  • Usually includes Medicare prescription drug coverage (Part D) as part of the plan
  • Run by Medicare-approved private insurance companies that follow rules set by Medicare
  • Plans have a yearly limit on your out-of-pocket costs for medical services
  • May include extra benefits and services that aren’t covered by Original Medicare, sometimes for an extra cost

Medicare Part D (Medicare prescription drug coverage):

  • Helps cover the cost of prescription drugs
  • Run by Medicare-approved drug plans that follow rules set by Medicare

May help lower your prescription drug costs and help protect against higher costs in the future

What are my Medicare coverage options?

When you first enroll in Medicare, you’ll have Original Medicare, unless you make another choice (like enrolling in a Medicare Advantage Plan). Here are the different ways you can get your Medicare coverage:

  1. You can stay in Original Medicare. If you want prescription drug coverage, you’ll need to join a Medicare Prescription Drug Plan (Part D). If you don’t join a Medicare drug plan when you’re first eligible and you don’t have other creditable prescription drug coverage, you may pay a late enrollment penalty if you choose to join later.
  2. You can choose to join a Medicare Advantage Plan (like an HMO or PPO) or other type of Medicare health plan if one’s available in your area. The plan may include Medicare prescription drug coverage. In most cases, you must take the drug coverage that comes with the plan if it’s offered. In some types of plans that don’t offer drug coverage, you may be able to join a Medicare Prescription Drug Plan.

Before making any decisions, learn as much as you can about the types of coverage available to you. If you need more information, you can:

  1. Visit the Medicare Plan Finder at Medicare.gov/find-a-plan.
  2. Call 1-800-MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048.
  3. Get personalized counseling about choosing coverage. 


Oriana Zavala
Licensed Insurance Agent
(559) 241-7729