Care when you need it
Understand coverage for preventive services, doctor visits, hospital care, and ongoing health needs.
YOUR NEXT CHAPTER STARTS HERE
Medicare made simple.
Life made easier.
Turning 65 is a milestone worth celebrating. Let’s make understanding your Medicare options one less thing to worry about.
Clear explanations. Thoughtful guidance. Your needs first.
More living.
Less wondering.
Less wondering.
UNDERSTAND YOUR CHOICES
Coverage that fits
the life you lead.
There’s no single right plan for everyone. Start with the basics, then consider your doctors, prescriptions, budget, and what matters most to you.
01 / MEDICARE SUPPLEMENT · MEDIGAP
A little help
with the gaps.
Original Medicare covers many healthcare services, but you still pay a share of the costs. Medigap helps pay certain deductibles, copayments, and coinsurance, depending on the policy.
Prepare to compare Supplement plans →What to know
- Works alongside Original Medicare Parts A and B.
- Standard Medigap policies let you use providers who accept Medicare nationwide. Medicare SELECT policies can have network rules.
- Some policies include limited foreign travel emergency benefits.
- New Medigap policies do not include prescription drug coverage. Part D is a separate consideration.
Before you choose a plan
Keep in mind: Premiums, benefits, and eligibility vary. Timing matters: your Medigap open enrollment period is generally the six months starting when you are 65 or older and enrolled in Part B. State protections may also apply.
Prepare your comparison checklist →02 / MEDICARE ADVANTAGE · PART C
Your Medicare.
A different way.
Medicare Advantage is an alternative to Original Medicare, offered by Medicare-approved private insurers. Plans provide your Part A and Part B benefits, and most include Part D drug coverage.
Prepare to compare Advantage plans →Look beyond the monthly premium
- Check that your doctors and hospitals participate in the plan.
- Review copayments, coinsurance, and the limit on annual out-of-pocket costs for covered medical services.
- Some plans offer dental, vision, hearing, or fitness benefits. Availability and limits vary.
- Review referral requirements and prior authorization rules.
Before you choose a plan
Keep in mind: You generally continue paying your Part B premium, even with a $0 plan premium. Plan availability depends on where you live. Medigap cannot be used to pay Medicare Advantage cost-sharing.
Prepare your comparison checklist →03 / PRESCRIPTION DRUG PLANS · PART D
Your medications.
A clearer plan.
Part D helps pay for covered generic and brand-name prescription drugs. With Original Medicare, you can choose a standalone drug plan; most Medicare Advantage plans include drug coverage.
Prepare to compare drug coverage →Start with your medication list
- Check each medication against the plan’s formulary, or list of covered drugs.
- Compare your preferred pharmacy’s costs with other network pharmacies.
- Review premiums, deductibles, drug tiers, and coverage restrictions.
- Check whether mail-order options suit your needs and review coverage each year.
Before you choose a plan
Keep in mind: Even if you take few medications, enrollment timing matters. Going without Part D or other creditable drug coverage can lead to a late enrollment penalty.
Prepare your comparison checklist →04 / DENTAL INSURANCE
A healthier smile.
More reasons to use it.
Original Medicare generally does not cover routine dental care. A standalone dental policy, or dental benefits within some Medicare Advantage plans, may help with the cost of oral care.
Prepare to compare dental options →Know what your dental plan includes
- Preventive services such as exams, cleanings, and X-rays may be covered.
- Coverage for fillings, crowns, root canals, or dentures depends on the policy.
- Check your dentist’s participation and any waiting periods.
- Review annual benefit maximums, exclusions, and your share of the cost.
Before you choose a plan
Keep in mind: Coverage for implants and major services varies. Medicare may cover certain dental services directly connected to covered medical treatment.
Prepare your comparison checklist →PROTECT WHAT MATTERS
Health coverage is
about living well.
From a routine checkup to an unexpected hospital stay, healthcare costs can add up. Appropriate coverage helps you plan for expenses and access covered care with greater confidence.
Make a thoughtful start ↗A plan for your budget
Consider the full picture: premiums, deductibles, copayments, and potential out-of-pocket expenses.
Confidence in your choices
Know how your coverage works before you need to use it, so you can focus on the life ahead.
GUIDANCE THAT STARTS WITH YOU
A conversation.
Not a complication.
At Turning 65 Medicare Made Easy, our goal is to help you understand your choices and feel confident taking the next step.
Tell your story
Start with your doctors, medications, budget, travel habits, and current coverage.
Understand your options
Consider available coverage, costs, provider access, and the benefits you may use.
Choose with confidence
Review enrollment timing and plan details. Ask questions until the answers make sense.
A FEW COMMON QUESTIONS
Let’s clear
things up.
You don’t have to know all the answers to get started.
Are Medicare Supplement and Medicare Advantage the same?
No. A Medicare Supplement policy helps pay certain costs alongside Original Medicare. Medicare Advantage provides your Medicare benefits through a private plan. They are different coverage paths, and Medigap does not cover Medicare Advantage cost-sharing.
Do I need a separate prescription drug plan?
With Original Medicare, drug coverage usually comes from a separate Part D plan. Most Medicare Advantage plans already include Part D. Check your existing coverage before making changes, especially if you have employer, union, or other drug benefits.
Can I keep my current doctor?
With Original Medicare and a standard Medigap policy, you can use providers who accept Medicare. Medicare Advantage plans may have provider networks. Confirm both your doctor and hospital participate in the specific plan before enrolling.
Does Medicare cover routine dental care?
Original Medicare generally does not cover routine cleanings, fillings, dentures, or implants. Some Medicare Advantage plans offer dental benefits, and standalone dental plans are another option. Benefits, waiting periods, and limits vary.
What should I bring to a Medicare conversation?
Bring your doctors’ names, medication names and dosages, preferred pharmacy, current coverage information, and questions about your budget and travel needs. Keep Medicare numbers and sensitive health information out of public forms.
What if I’m still working when I turn 65?
Your enrollment choices can depend on your employer coverage and other circumstances. Ask your employer benefits administrator how your coverage works with Medicare before delaying enrollment or changing benefits.
YOUR FIRST STEP, MADE EASY
Let’s get you
ready for what’s next.
Choose where you are in your Medicare journey. We’ll create a simple checklist to help you prepare for a personalized coverage conversation.
Looking for plans in your area?
Visit the official Medicare Plan Finder
A CLEARER NEXT STEP
Your Medicare conversation checklist
This is preparation guidance, not a plan recommendation or enrollment.
Turning 65 doesn’t have to be complicated.
Here’s to your next chapter.
Explore your coverage options →PERSONAL GUIDANCE
Request a Medicare conversation
Tell us how to reach you. We will follow up about your coverage questions. Do not submit Medicare ID, Social Security number, or medical information.