Explore Your Medicare Options with Confidence

Enrolling in Medicare for the first time can feel overwhelming — but you don’t have to go through it alone.

At ZenMed Advisors we make the process simple, clear, and stress-free. As your trusted Medicare partner, we guide you step by step to help you:

Understand how to enroll through Social Security
Compare Medicare Advantage, Medigap, and Part D plans
Find coverage that fits your health needs and your budget
Submit your application with confidence

Whether you're turning 65 or retiring soon, we’re here to ensure you get the coverage and peace of mind you deserve.

📞 Ready to get started? Let’s walk this Medicare journey together.

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Are You Eligible for a Special Enrollment Period?

Life changes — and your Medicare coverage can too.

If you've recently moved, lost other health coverage, or experienced certain qualifying events, you may be eligible for a Special Enrollment Period (SEP).

This gives you a limited-time opportunity to:

Make changes to your Medicare Advantage or Part D drug plan
Explore new options that better fit your current needs
Avoid waiting until the next Annual Enrollment Period

The type of change you can make depends on your specific situation — and timing matters.

📞 Contact ZenMed Advisors today to find out if you qualify and explore your options with guidance you can trust.

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Understanding Medicare

What is Medicare?

Medicare is a federal health insurance program in the United States primarily for people who are 65 or older, but it also covers certain younger individuals with disabilities and those with End-Stage Renal Disease. Medicare is divided into several parts, each covering different aspects of health care.
Expand each section below to learn more about:

Part A
Part B
Part C
Part D

What are Medicare Savings Programs?

Medicare Savings Programs are specifically designed to help Medicare beneficiaries with out-of-pocket expenses. Get help from your state paying your Medicare Part A and Part B premiums through a Medicare Savings Program. If you qualify, Medicare Savings Programs might also pay your Part A and Part B deductibles, coinsurance, and copayments. In many cases, to qualify for one of four Medicare Savings Programs, you must have income and resources below a certain limit.

When should I enroll?

Medicare enrollment periods include the Initial Enrollment Period (IEP), which lasts seven months, starting three months before you turn 65. The General Enrollment Period (GEP) runs from January 1 to March 31 each year for those who missed their initial chance. The Annual Enrollment Period (AEP) occurs from October 15 to December 7, allowing beneficiaries to make changes to their existing Medicare plans. Additionally, there’s a Special Enrollment Period (SEP) for specific circumstances like losing employer coverage.

PARTS OF MEDICARE

Medicare Part A is a key component of the U.S. federal health insurance program, primarily covering inpatient hospital care, skilled nursing facility care, hospice care, and some home health care. It's often referred to as "hospital insurance" and is typically premium-free for those who have paid Medicare taxes for at least 10 years. Most people are automatically enrolled in Part A at age 65 if they're receiving Social Security benefits.

While there's usually no premium, patients may still be responsible for deductibles, coinsurance, or copayments, and there are limits on coverage duration for certain services.

Medicare Part B covers medical services and supplies needed for the diagnosis or treatment of health conditions. This includes outpatient care, preventive services, medical equipment, and some doctor services.

Unlike Part A, Part B typically requires a monthly premium. Most beneficiaries enroll in Part B when they become eligible, though some may delay if they have other coverage.

Part B also involves cost-sharing, with beneficiaries responsible for a deductible and usually 20% of the Medicare-approved amount for covered services.

Medicare Part C plans combine coverage for hospital care, medical services, and often prescription drugs into one plan. These plans must cover all services that Original Medicare covers, but may offer additional benefits like dental, vision, or hearing care.

Part C plans often have network restrictions and different cost structures than Original Medicare. Beneficiaries who choose Part C still pay their Part B premium.

These plans can provide more comprehensive coverage, but the specifics vary by plan and location.

Medicare Part D is an optional program that helps cover the cost of prescription medications. It's offered by private insurance companies approved by Medicare, either as a standalone plan or as part of a Medicare Advantage plan.

Part D plans vary in terms of covered drugs, costs, and pharmacy networks. Beneficiaries typically pay a monthly premium, annual deductible, and copayments or coinsurance for their medications.

Part D can significantly reduce out-of-pocket costs for prescription medications for many Medicare recipients.

Explore Your Medicare Options with Confidence

Are You Eligible for a Special Enrollment Period?

Understanding Medicare

What is Medicare?

What are Medicare Savings Programs?

When should I enroll?

PARTS OF MEDICARE

Medicare Part A - Hospital

Medicare Part B - Medical

Medicare Part C - Medicare Advantage

Medicare Part D - Prescription Drugs