Medicare guidance

Understand Medicare. Choose with confidence.

Medicare has important moving parts, but you do not have to sort through them alone. This guide gives Arizona families a plain-language place to begin.

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The basics

Four parts. One important decision.

Part A

Hospital coverage

Helps cover inpatient hospital care, skilled nursing facility care, hospice, and some home health services.

Part B

Medical coverage

Helps cover doctor visits, outpatient care, preventive services, medical equipment, and more.

Part C

Medicare Advantage

A Medicare-approved plan that combines Part A and Part B coverage, often with additional benefits.

Part D

Prescription drug coverage

Helps cover the cost of prescription medications through a stand-alone plan or a Medicare Advantage plan.

Your coverage paths

Two common ways to receive Medicare coverage.

Original Medicare

Original Medicare includes Part A and Part B. Many people add a Medicare Supplement plan and a separate Part D prescription drug plan to help with costs and prescriptions.

Choose providers that accept Medicare
Consider a Medicare Supplement plan
Add a stand-alone Part D plan

Medicare Advantage

Medicare Advantage plans are offered by private insurance companies approved by Medicare. They combine Part A and Part B and may include prescription drug coverage and other benefits.

Plan networks and service areas matter
Benefits and costs vary by plan
Prescription coverage may be included

Enrollment timing

Knowing when to act can make a difference.

Initial Enrollment Period

Your first opportunity to enroll generally begins three months before the month you turn 65 and continues for three months after.

Annual Enrollment Period

Each fall, you can review and make changes to Medicare Advantage and Part D prescription drug coverage for the following year.

Special Enrollment Period

Certain life events, such as leaving employer coverage or moving, may create an opportunity to make changes outside the usual enrollment windows.

Choosing a plan

Start with the details that shape your everyday care.

The right coverage is personal. A thoughtful review looks beyond a plan name or a single benefit and focuses on how coverage fits your health, budget, and preferences.

Questions to bring to the conversation

Are your doctors and preferred hospitals included?
How are your current prescriptions covered?
What monthly premium, deductible, copays, and maximum out-of-pocket costs should you expect?
Do you value flexibility in choosing providers or prefer a coordinated plan network?

Want to talk through your Medicare options?

I can help you understand the choices, compare what matters, and move forward at a pace that feels right for you.

Request a consultation