About Medicare

Helping You Navigate Medicare


Enrolling in Medicare is a significant decision you'll make. It can be quite overwhelming to navigate on your own, especially given the amount of complex online information. Additionally, enrolling late may lead to unwanted penalties. At Local Insurance Services, we frequently hear from our clients that they appreciate our expertise in simplifying information and our dedicated assistance in guiding them through the enrollment process. 


To help give you an overview of the process, here’s what you can expect.


Determine Eligibility:
Make sure you meet the eligibility requirements. Most people become eligible for Original Medicare at age 65, but there are certain exceptions for those with disabilities or specific medical conditions.



Apply for Original Medicare:

  • You may be automatically enrolled. Otherwise, you can apply online through the official Medicare website (Medicare.gov).

  • Alternatively, you can call the Social Security Administration at 1-800-772-1213 to apply over the phone.


Explore Your Options:

  • Original Medicare (Part A and Part B): Provides hospital and medical insurance.
  • Supplemental Insurance (Medigap): Helps cover out-of-pocket expenses associated with Original Medicare.
  • Medicare Advantage (Part C): Combines Parts A and B into one plan and often includes additional benefits (i.e., dental, vision, hearing).
  • Prescription Drug Coverage (Part D): Provides coverage for prescription medications.


Choose Your Plan:

If you're considering a Medigap, Medicare Advantage, or Prescription Drug Plan, research and compare the available plans in your area. You can do this on the Medicare website or with the help of one of our local insurance agents.


Consider an Agent: 

If you have questions about your options and need help understanding what's best for you, working with one of our local insurance agents can be of great value.


Receive Confirmation:

After you've enrolled, you'll receive confirmation documents and your Medicare card by mail. It's a good practice to keep copies of all your Medicare-related documents, including your plan details, enrollment confirmation, and any correspondence.

When Can You Enroll?

  • Initial Enrollment Period (IEP): This is usually the 7-month period surrounding your 65th birthday. It begins three months before your birthday month and ends three months after.

  • General Enrollment Period (GEP): If you miss your IEP, you can enroll during the GEP, which is from January 1 to March 31 each year, with coverage starting the month after you sign up.

  • Special Enrollment Periods (SEP): You may qualify for an SEP if you have specific life events, such as retiring or losing employer coverage.

It’s essential to make informed decisions about your Medicare coverage, as it can have a significant impact on your healthcare expenses and services. You don’t have to go through this alone. We’re here to help make the process easy and stress free!

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