Make sense of your Medicare options
We help you understand the differences between Medicare plan types so you can choose with confidence.
Prefer to talk? (513) 908-1010
The building blocks
Medicare coverage at a glance
Original Medicare covers hospital and medical services. Many people add coverage to help with costs it doesn't cover.
Parts A & B
Original Medicare
Run by the federal government.
- Part A: hospital coverage
- Part B: medical coverage
- Deductibles and coinsurance apply
Part C
Medicare Advantage
Plans from private insurers that combine Parts A and B.
- Often includes drug coverage
- Networks and costs vary by plan
- May include extra benefits
Medigap
Medicare Supplement
Works alongside Original Medicare.
- Helps pay deductibles and coinsurance
- Separate premium
- Usually paired with Part D
Part D
Prescription Drug Plans
Stand-alone drug coverage.
- Helps pay for medications
- Formularies vary by plan
- Late enrollment penalties may apply
Enrollment timing
Key Medicare enrollment periods
When you can enroll or make changes depends on your situation.
Around age 65
Initial Enrollment Period
A 7-month window that includes the 3 months before, the month of, and the 3 months after your 65th birthday month.
October 15 – December 7
Annual Enrollment Period
Review and change Medicare Advantage or Part D coverage for the following year.
January 1 – March 31
Medicare Advantage Open Enrollment
If you're in a Medicare Advantage plan, you may switch plans or return to Original Medicare.
Qualifying events
Special Enrollment Periods
Events such as moving or losing employer coverage may let you make changes outside normal windows.
What we'll review together
- Your doctors and preferred hospitals
- Prescriptions you take
- Monthly premiums vs. out-of-pocket costs
- Enrollment periods and deadlines
Frequently asked questions
Are you affiliated with Medicare?
No. Armored Financial Group is not connected with or endorsed by the U.S. government or the federal Medicare program.
When can I enroll?
Enrollment depends on your situation, such as your Initial Enrollment Period or the Annual Enrollment Period. We can help you understand your timing.
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Prefer to talk? Call (513) 908-1010