Medicare: Where to Start
If you’re turning 65 soon—or helping a loved one who is—you might be wondering: “Where do I even start with Medicare?” Between Parts A, B, C, D, Supplements, Advantage plans, and deadlines, it’s no surprise many people feel overwhelmed.
At Covered by Tara, I specialize in breaking Medicare down into clear, simple steps. Here’s how to get started.
Step 1: Understand the Basics of Medicare
Medicare is a federal health insurance program for people 65 and older (and younger people with certain disabilities). It has four main parts:
- Part A: Hospital coverage (inpatient care, skilled nursing, hospice).
- Part B: Medical coverage (doctor visits, outpatient services, preventive care).
- Part C (Medicare Advantage): Private plans that bundle A & B, often with extras like dental and vision.
- Part D: Prescription drug coverage.
Original Medicare = Parts A & B. Most people add Advantage or a Supplement for fuller coverage.
Step 2: Know When You’re Eligible
Your Initial Enrollment Period (IEP) starts 3 months before your 65th birthday, includes your birthday month, and lasts for 3 months after.
Missing this window without qualifying employer coverage can lead to lifetime penalties—so this is the most important step to get right.
Step 3: Apply Through Social Security
You don’t apply for Medicare at the doctor’s office—you apply through the Social Security Administration:
- Online: www.ssa.gov/medicare
- By Phone: 1-800-772-1213
- In Person: At your local Social Security office (appointments recommended).
Step 4: Decide Between Advantage or Supplement
Once you’re signed up for Parts A and B, you’ll need to choose how to fill the gaps:
- Medicare Advantage (Part C): Lower premiums, network-based, often includes extras like dental/vision.
- Medicare Supplement (Medigap): Higher premiums, but more freedom and predictable costs, works with Original Medicare.
Prescription drug coverage (Part D) may also be added, depending on your choice.
Step 5: Get Help Choosing the Right Plan
The truth is—there’s no single “best” plan. The right choice depends on your:
- Health needs
- Budget
- Preferred doctors and hospitals
- Lifestyle (travel, seasonal living, etc.)
That’s where working with an independent broker like me makes all the difference.
Covered by Tara: Making Medicare Simple
I guide seniors in Florida (and beyond) through every step of Medicare:
- Explaining timelines and deadlines
- Comparing Advantage vs. Supplement side by side
- Reviewing drug plans to avoid penalties
- Helping you feel confident, not overwhelmed
With me, you’re not just covered—you’re held.
Next Steps
If you’re asking, “Where do I start with Medicare?”—the answer is: right here.
Schedule your free Medicare review today.
We’ll map out your timeline, avoid costly mistakes, and build a plan that truly fits your life.
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