Medicare Solutions

Choosing the Wrong Medicare Plan Can Really Cost You.

The Medicare process can be puzzling especially if you’re navigating through the process alone. If you choose the wrong plan It could be catastrophic. However, It doesn’t have to be this way. Alpine Agency can give you the expert guidance you deserve, so you can choose your Medicare plan with confidence.

If you are struggling to get started and are overwhelmed with all of your options, download our FREE Easy Guide today.

Medicare Basics in One Easy Guide

Medicare Made Simple

If you are new to Medicare or find navigating the Medicare process confusing you are not alone. With so many parts and plans, it can be overwhelming.

What is Medicare?

Medicare is federal health insurance available for eligible individuals age 65 and over. There are also circumstances where Medicare is available to individuals under 65 with certain disabilities or medical conditions. Medicare currently consists of four different coverage parts labeled A, B, C, and D. All coverage parts have specific enrollment time frames depending on the plan you choose. Let’s start with reviewing each of the Medicare parts and add-on options outlined below.

What Are Original Medicare Parts & What Do They Cover?

Original Medicare is a government insurance program. In most cases, it is for individuals aged 65 and older. This has two parts:


Medicare Part A (or hospital insurance) generally helps cover hospital stays, care in a skilled nursing facility, hospice care, and some home health care services. With Medicare Part A, you typically pay a deductible and coinsurance and/or copayments.


Medicare Part B (or medical insurance) covers health services from your doctor. This includes outpatient medical care, medical care, and preventative care like vaccines. Under Medicare Part B, in most cases, you will pay 20% of the Medicare-approved amount for certain items and services. A deductible may also apply with Part B.

When & How to Enroll in Original Medicare (Parts A & B)


This is the best time to enroll in Original Medicare and any other supplementary plans. For example, if your 65th birthday is May 6th, you can start enrolling in Original Medicare between February and August.


3 months prior


2 months prior


1 month prior


1 month after


2 months after


3 months after

3 months before

3 months after


Gives you the opportunity to enroll in Original Medicare after your initial enrollment period or after age 65 with no penalty. Typical qualifications include, but are not limited to:

  • Relocation
  • Newly Retired
  • Change in Medicaid or Extra Help
  • Loss of Group Coverage
What Additional Medicare Coverage Options Are Available?


If you are looking for another way to get Medicare coverage, Part C—or Medicare Advantage Plans—may be a lower out-of-pocket cost option to consider. With a Medicare Advantage plan, you will receive coverage for all Part A & B covered services. Most Medicare Advantage plans also include Part D drug coverage. Click here to learn more.


Part A and Part B + Most plans include: Part D + Some plans also include: lower out-of-pocket costs and/or extra benefits


Part D prescription drug plans (also called PDPs) help people with Medicare to more easily afford prescription drugs. This coverage can help reduce your costs for medications and is available only from private companies. This is a separate drug plan that you purchase in addition to Original Medicare. Click here to learn more.

Here are the combinations of coverage you can have with a PDP:

  • Original Medicare + PDP
  • Original Medicare + PDP + Medicare Supplement Plan
  • Medicare Advantage with Part D included


Since Medicare wasn’t designed to cover all health care expenses, you can purchase a Medicare Supplement plan (also known as a Medigap policy), in addition to Original Medicare. When you have a Medicare Supplement insurance policy, it helps fill the gaps that Original Medicare doesn’t. Different policies are identified by letters in the alphabet. Each policy has a different level of gap coverage. Click here to learn more about Medicare supplement plans.


Part A and Part B + You can add: Part D + You can also add: Supplemental coverage

Which Medicare Plan is Right For You?

Original Medicare doesn’t cover everything.

Medicare Supplement

Medicare Supplement Plans also known as MedSupp or Medigap work with your Original Medicare to fill the gaps. These plans come with a higher premium cost but extremely reduce your pocket expenses when you visit the doctor or hospital. You can pair these plans with a PDP!

Medicare Advantage

Medicare Advantage Plans also known as Part C of Medicare are used in lieu of your Original Medicare. These plans come at a cheaper premium cost and are known as all-in-one plans because they include your medical and prescription drug benefits all in one place!

Prescription Drug Plans

Prescription Drug Plans also known as PDPs are a supplementary insurance policy that were created to assist you with reducing and or eliminating out-of-pocket costs on prescription medications. These plans range in premium depending on carrier and formulary.

Download your FREE Medicare Easy Guide

The Medicare Easy Guide will help you gain a deeper understanding of how Medicare works. You’ll gain insight into the enrollment process, important deadlines, special enrollment periods, additional coverage options, and more.

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