Medicare Parts A, B, C, and D

Medicare is a federal health insurance program providing benefits for people age 65 or older, people under age 65 with certain disabilities, and people of all ages with end-stage renal disease (ESRD), permanent kidney failure requiring dialysis or a kidney transplant.

Original Medicare which is administered directly by the federal government (and is the way most people get their Medicare) has two parts: A and B. Medicare Part C is not a separate benefit, but rather the part of Medicare policy that allows private health insurance companies to provide Medicare benefits. Medicare Part D is the part of Medicare that provides outpatient prescription drug coverage and can only be provided through federally approved private insurance companies.

Medicare Part A (Hospital Insurance)

  • Inpatient care in a hospital
  • Skilled nursing facility (following a hospital stay)
  • Home health care services and hospice care services
  • Has deductibles, copayments, and out-of-pocket expenses
  • Most people do not pay a monthly premium for Part A if you or your spouse paid Medicare taxes while working

Medicare Part B (Medical Insurance)

  • Cover doctors’ servicesScreenshot 2015-09-02 15.25.16
  • Outpatient care, home health and other medical services
  • Covers some preventive services
  • Medicare Part B has deductibles and co-insurance
  • Medicare Part B does require premium payments

Medicare Part C (Medicare Advantage)

  • Offered by private insurance companies approved by and under contract with Medicare
  • Includes all benefits and services offered by Part A and Part B, and typically includes prescription drug coverage, Part D
  • May include extra coverage, such as vision, hearing, dental, and/or health and wellness programs
  • May require additional premium payment in addition to your Part B premium

Medicare Part D (Prescription Drug Coverage)

  • Offered by private companies approved by and under contract with Medicare.
  • Plan is to help cover the cost of prescription drugs.
  • May help lower your prescription drug costs and help protect against higher costs in the future.
  • Medicare Part D is available to everyone with Medicare.

Contact Us for a Personalized Medicare Analysis

Contact us for a personalized analysis or when you are ready to sign up, or annually when you wish to review your Medicare coverage. You can reach us by phone or email, or by the Request a Quote buttons below.

We have listed the deadlines and effective dates for Medicare enrollment below. Or feel free contact us at any time for a reminder when those dates approach.

Phone: 970-407-9399

Medicare Enrollment

There is no set enrollment period the first time you sign up for Medicare. You can enroll in coverage as soon as you become eligible. Changes to your coverage, however, can only be made once each year during open enrollment.


“Many thanks for your help evaluating my Medicare options. I very much appreciate your time and patience. Please feel free to use me as a reference.”

– Sara P. | Fort Collins, CO