Now’s the Time to Get the Medicare Coverage You Deserve
New Title
Over 65
Medicare Made Simple—with a Licensed Agent on Your Side
Navigating Medicare doesn’t have to be confusing. When you work with a licensed Medicare agent at Desmond Insurance, you receive personalized support that makes you feel cared for and confident in your choices. We compare plans from multiple carriers, explain the details in plain language, and support you before, during, and after enrollment—so you can feel assured in your Medicare decisions.
What is Part A?
Part A covers inpatient hospital stays, skilled nursing, hospice, and some home health care. Most people do not pay a premium for this coverage.What is Part B?
Part B includes coverage for doctor visits, outpatient care, preventive services, and medical equipment. A monthly premium is required for Part B.What is Part D?
Part D helps cover the cost of prescription medications and is offered through private insurance companies.What is Medicare Advantage (Part C)?
Medicare Advantage is an alternative to Original Medicare provided by private insurers. It often includes drug coverage and additional benefits like dental, vision, and hearing.
New to Medicare? What You Need to Know
Your Coverage Paths
Original Medicare + Supplement?
Original Medicare consists of Part A and Part B, which cover hospital and medical services. By adding a Medicare Supplement (Medigap) plan, you can reduce out-of-pocket costs. A standalone Part D drug plan can also be included for prescription coverage.Medicare Advantage?
Medicare Advantage plans offer an all-in-one alternative to Original Medicare. These plans often come with lower premiums and provide network-based coverage, which may include additional benefits like dental and vision care.How do I choose between the two?
Choosing the right path depends on several factors, including your budget, doctor preferences, travel habits, prescription needs, and health history. It's essential to evaluate what matters most to you.What should I consider for my Medicare coverage?
Consider your overall health, the doctors you want to see, and any medications you take. Understanding these aspects will help you make an informed decision about your Medicare coverage.How Do I Enroll?
You enroll through the Social Security Administration.
Option 1: Online (Fastest & Easiest)
Go to:
Takes about 10–15 minutes.
Option 2: By Phone
Call Social Security at:
1-800-772-1213
Option 3: In Person
Visit your local Social Security office (appointments recommended).
Understanding Your Initial Enrollment Period
What is the Initial Enrollment Period (IEP)?
The IEP is a crucial 7-month window for enrolling in Medicare. It starts 3 months before your 65th birthday, includes your birthday month, and extends for 3 months after.Why is Timely Enrollment Important?
Enrolling on time helps you avoid late enrollment penalties, ensures you have coverage when you need it, and prevents gaps in your protection.What if I'm Still Working?
If you're covered by employer insurance, the rules may differ. It's essential to understand how your coverage interacts with Medicare to make informed decisions.How Can Desmond Insurance Help?
At Desmond Insurance, we provide personalized assistance to help you navigate your Medicare options and ensure you have the right coverage for your needs.
Complete the details below and a licensed Medicare agent will contact you
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Medicare
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