Medicare is the federal health program for people 65 and older (and some younger people with disabilities). Understanding its parts and enrollment windows is the foundation of the senior market.
Original Medicare is made of Part A (hospital insurance) and Part B (medical insurance). It covers a lot, but not everything — there is no annual out-of-pocket cap, and it generally does not include prescription drugs, dental, or vision. Beneficiaries fill those gaps in one of two ways.
The first path adds a Medicare Supplement (Medigap) policy plus a standalone Part D drug plan to Original Medicare. The second path replaces the way benefits are delivered with a Medicare Advantage (Part C) plan from a private carrier, which bundles Part A, Part B, usually Part D, and often extra benefits. Which path fits depends on budget, doctors, prescriptions, and travel — and enrollment is governed by specific windows each year.
Private plans that bundle Parts A, B, and usually D, often with dental, vision, and fitness extras — typically network-based with an out-of-pocket cap.
Standardized plans that pay the gaps in Original Medicare (deductibles, coinsurance), letting members see any provider that accepts Medicare.
Standalone prescription coverage with a plan-specific formulary; pairs with Original Medicare or a Medigap plan.
Ancillary coverage sold alongside Medicare for benefits Original Medicare excludes.
Supplemental cash-benefit plans that help with Advantage-plan cost sharing.
Small whole-life often written alongside Medicare for funeral costs.
New beneficiaries choosing between Advantage and Supplement for the first time.
People approaching their Initial Enrollment Period.
Beneficiaries who qualify through disability.
Members reviewing options during the Annual Enrollment Period.
Clients who value Medigap's nationwide provider freedom.
People eligible for both Medicare and Medicaid.
Unity First Nation contracts you across the carriers behind these products — with quoting, compliance, and back-office support.
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