Health Coverage & Medicare
Medicare, made clear.
We do not offer every plan available in your area. Currently we represent [NUMBER] organizations which offer [NUMBER] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Medicare basics
Part A
Hospital insurance
Helps cover inpatient hospital stays, skilled nursing facility care, hospice and some home health care.
Part B
Medical insurance
Helps cover doctor visits, outpatient care, preventive services and medical equipment.
Part C
Medicare Advantage
Plans offered by private insurance companies approved by Medicare that bundle Part A and Part B, and often Part D. Networks and costs vary by plan.
Part D
Prescription drug coverage
Helps cover the cost of prescription drugs. Offered through standalone plans or included in many Medicare Advantage plans.
Key enrollment periods
- Initial Enrollment Period
- A 7-month window around your 65th birthday: the 3 months before, your birthday month, and the 3 months after.
- Annual Enrollment Period
- October 15 – December 7 each year. You can join, switch or drop Medicare Advantage and Part D plans.
- Medicare Advantage Open Enrollment
- January 1 – March 31. If you're in a Medicare Advantage plan, you can switch plans or return to Original Medicare.
- Special Enrollment Periods
- Certain life events, such as moving or losing other coverage, may let you make changes outside the usual windows.
Have a Medicare or AHIP question?
Type your question and get a plain-language explanation in about a minute. General education, not a plan recommendation.
How IAM helps
- A review of your doctors, prescriptions and budget
- A side-by-side comparison of the options available in your area
- Annual reviews, so your coverage keeps up with your needs
IAM is an independent insurance agency. We are not affiliated with or endorsed by Medicare, CMS or the federal government. This page is general education, not a recommendation of any specific plan.
General education only, not individual insurance, financial, tax or legal advice.
We do not offer every plan available in your area. Currently we represent [NUMBER] organizations which offer [NUMBER] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Request a Medicare consultation
Tell us how to reach you and when works best. A licensed IAM agent will follow up. No pressure, no obligation.
Your first conversation is low-pressure and free.
30 min. We listen, answer questions, and help you see the full picture.