Medicare Made Simple – Get the Coverage You Need
Your Trusted Independent Medicare Broker
Navigating Medicare can feel overwhelming, but Araiza Insurance is here to help. Whether you’re new to Medicare, looking to change plans, or need help understanding your options, we provide personalized guidance to ensure you get the right coverage at the right price. As an independent broker, we work with multiple insurance carriers to find the best plan for your healthcare needs.
Understanding Your Medicare Options
Medicare consists of several parts, and choosing the right combination is essential to getting the care you need.
✅ Medicare Part A (Hospital Insurance) – Covers inpatient hospital stays, skilled nursing care, and hospice care.
✅ Medicare Part B (Medical Insurance) – Covers doctor visits, outpatient care, preventive services, and durable medical equipment.
✅ Medicare Advantage (Part C) – An all-in-one alternative to Original Medicare, offering additional benefits like dental, vision, and prescription drug coverage.
✅ Medicare Part D (Prescription Drug Coverage) – Helps cover the cost of prescription medications.
✅ Medicare Supplement (Medigap) – Helps pay for out-of-pocket costs like copays, deductibles, and coinsurance.
Medicare Enrollment – When Can You Sign Up?
There are specific periods when you can enroll or make changes to your Medicare coverage:
Initial Enrollment Period (IEP) – Begins three months before your 65th birthday and lasts for seven months.
Annual Enrollment Period (AEP) – October 15 to December 7 – This is the time to switch, drop, or enroll in a Medicare Advantage or Part D plan.
Medicare Advantage Open Enrollment – January 1 to March 31 – Allows changes to Medicare Advantage plans.
Special Enrollment Periods (SEP) – If you experience a qualifying life event, such as losing employer coverage, moving, or qualifying for extra help, you may be eligible to enroll outside of regular periods.