Navigating Medicare for the first time?
Let Us Be Your Guide
Medicare Doesn't Have to Be Confusing
We get it — sorting through your Medicare options can be overwhelming. And it doesn't help that there are a lot of insurance salespeople out there who see you only as their next commission check. But Healthpilot makes it easy to compare plans and enroll with confidence. We made a pretty great website where you can do just that.
But our real superpower is our people. We built an amazing team of compassionate Medicare experts who will take the time to listen to your needs, answer all your questions, and guide you to the plan that best fits your health needs and budget. And since they're not paid on commission, their only goal is to do what's right for you. (Seriously. Check out the reviews.)
Not sure where to start? You don't have to figure it out alone. Our licensed Medicare insurance agent experts are here to answer all your questions and walk you through your options — at no cost, and with no pressure. Prefer to explore on your own first? Keep reading below to learn more.
Ready to dive in?
Here are four things you need to know.
Understanding Auto-Enrollment
If you are already receiving Social Security benefits, then you have been or will be auto-enrolled in Medicare Parts A and B on the first day of the month that you turn 65.
You will receive your red, white and blue Medicare card in the mail three months before your 65th birthday. It is also possible to qualify for Medicare before you are 65 if you have Social Security disability or a qualifying medical condition. If you are not automatically enrolled in Medicare, you may need to contact your local Social Security office or visit the Social Security Administration website to sign up.
About your Initial Enrollment Period (IEP)
The IEP is when you first sign up for Original Medicare. This period starts three months before your 65th birthday and ends three months after. Your IEP is also a great time to look at other coverage options like Medicare Advantage and Medicare Supplemental Insurance. Learn more about other enrollment periods with our handy guide.About Original Medicare
Original Medicare, also known as fee-for-service Medicare, is made up of two parts: Part A and Part B.
Part A covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care.
Part B covers doctor visits, outpatient care, medical supplies, and some preventive services.
But, Original Medicare doesn't pay for everything. For example, it doesn't cover prescription drugs, vision care, or dental care.
Learn more about Medicare Part A and Part B in our Learning Center.
Word of warning: Having only Original Medicare Part A and Part B alone can expose you to unpredictable medical costs. Part B only covers 80% of most outpatient services, and that 20% that you're responsible for can cost you thousands of dollars. In most cases we highly recommend additional coverage to protect your finances and your peace of mind.
Questions? Call (855) 922-5051 or
Your Options for Additional Coverage
There are two types of additional coverage you can get to help pay for the 20% of healthcare costs that Original Medicare does not cover:
Medicare Advantage Plans (Medicare Part C):
Offered by private insurance companies, these plans combine all of your Medicare coverage into one. Most Medicare Advantage plans also include prescription drug coverage (Part D), as well as extra benefits.
Medicare Supplement Insurance (Medigap):
These private insurance plans help cover the costs Original Medicare doesn't pay, such as coinsurance and deductibles, reducing your out-of-pocket expenses. If you choose a Medigap plan, you'll typically also need to enroll in a stand-alone Prescription Drug Plan (Medicare Part D) to cover your prescriptions, since Medigap plans do not include drug coverage.
Picking the Plan that Fits you Best
When comparing Medicare plans, there are a lot of factors to consider, including:
How much will I pay for hospital visits?
Will my favorite doctors be covered?
Will my prescriptions be covered?
Are there other benefits I may need?
Healthpilot makes it easy to navigate questions like these and many more, either on our website or by .
