Medicare can be complicated.

Watch this video to understand how Aevo can help you navigate your options.

Medicare can be complicated

Aevo is here to help.

We look forward to discussing your Medicare options!
Call (877) 406-5160 or fill out the form below and we’ll respond to set-up a one-on-one no-cost consultation.

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What is Medicare?

Medicare is federal health insurance for anyone age 65 and older and some people under 65 with certain disabilities or conditions. Medicare costs look different for everyone, depending on your unique healthcare and financial needs. Understanding what Medicare covers and what Medicare costs is key to helping you choose a Medicare Plan that works for you.

Our licensed agents will take the time to learn about you, help you compare Medicare Plans, and enroll you in Medicare that works for you – all with zero out-of-pocket costs. Fill out the form and schedule your free consultation today!

We help you understand the different parts of Medicare.

Aevo helps you compare plans from a broad number of well-known insurance carriers who serve your region and only place policies with A-rated carriers to ensure you find a plan for your unique health and financial needs.

Overall, Medicare helps reduce out-of-pocket costs for doctor visits, inpatient hospital care, and prescription medications.

Original Medicare consists of Part A (“hospital insurance”) and Part B (“medical insurance”).

Medicare Part A covers:

  • Inpatient care in a hospital
  • Skilled nursing facility care
  • Hospice care
  • Home healthcare

Medicare Part B covers:

  • Doctor visits
  • Medically necessary services
  • Outpatient services
  • Preventative care

Medicare Part C

(Medicare Advantage) covers a wide range of medical offerings, allowing you to compare Medicare options and customize your coverage to meet your healthcare and financial needs. Medicare Part C often includes vision, dental, and hearing coverage, as well as other valuable service offerings.


Medicare Part D

(Medicare drug coverage) covers prescription medication and drug costs. Medicare Part D is often included in Medicare Advantage Plans.


Medicare Supplement Plans

(Medigap) covers some of the healthcare costs you may experience with your Original Medicare coverage, including coinsurance, deductibles, and copayments.

What Medicare covers.

If you’re considering enrolling in Medicare, Aevo can help. We know that Medicare enrollment can be confusing, and you may be wondering if Medicare is expensive or questioning how to enroll in Medicare.​ Our experienced licensed insurance agents can answer your Medicare questions, including:

  • What does Medicare cover?
  • Does my doctor accept Medicare?
  • How much will Medicare cost?
  • Does Medicare cover my prescription costs?
  • Does Medicare cover eye exams and dental care?
  • What is the Medicare enrollment process?

You may be surprised to learn that Medicare covers a wide range of medical services, as well as many durable goods and medical supplies. Your current doctor is likely to accept Medicare, and Medicare may cover equipment ranging from hearing aids to wheelchairs, depending on the coverage you select. Some Medicare plans also provide additional benefits such as dental, vision, and hearing coverage, as well as services like transportation to healthcare facilities, meal preparation, and gym memberships.​

Frequently asked questions

When do I enroll in Medicare?

Upon approaching eligibility for Medicare at age 65, you can enroll in a Medicare Plan three months before, the month of, or three months after your Medicare entitlement date. For Supplement Plans, the enrollment period lasts five months after your entitlement date.

Upon becoming eligible for Medicare because you have received 24 months of SSDI benefits, you will be automatically enrolled in Part A and Part B.

What happens if I miss my enrollment period?

If you do not fully understand your Medicare enrollment options and you choose the wrong plan or do not enroll during the allotted enrollment period, you may find yourself incurring significant out-of-pocket expenses. If you enroll late in certain Parts of Medicare, you will have to pay a penalty each time you pay your premiums for as long as you are enrolled.

I already have health insurance. Do I have to sign up for Medicare?

It depends. Medicare rules allow you to delay enrollment in Medicare Part B and Medicare Part D without penalty if you are covered by an employer group health plan that covers 20 or more employees – so long as that health coverage is based on your or your spouse’s current, active employment. If your other health insurance coverage is NOT based on the current, active employment of yourself or a family member, you will likely need to enroll in Medicare. We recommend that you follow up with your current health insurance provider to see if you are required to enroll in Medicare Part B when you become entitled.

I am on a fixed monthly income. Can I get help paying for Medicare?

It’s possible. The Low-Income Subsidy (LIS) program, also known as “Extra Help,” is available to help pay a portion of Part D prescription drug costs, including premiums, copayments, and deductibles, for certain people with low income and minimal assets. Depending on your income and assets, the Extra Help program may provide a full or partial subsidy. Some people are automatically enrolled in the Extra Help program, while others must apply for the subsidy.

What is the difference between Medicare and Medicaid?

Medicare is a federal health insurance program for people age 65 and older, people under age 65 who receive SSDI benefits, and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD). Your income does not affect your eligibility for Medicare. Medicaid, on the other hand, is a joint federal and state program that helps with medical costs. To qualify for Medicaid, you must have a low income and limited resources.

Can my spouse and family also receive Medicare coverage?

No, Medicare is not offered as a family or dependent benefit. People must qualify on an individual basis. For example, a person under age 65 does not receive Medicare automatically because their spouse turns 65 and enrolls in the Medicare program.

What is the difference between Medicare Advantage and Medigap?

While there are several types of Medicare coverage, two of the most common are Medicare Advantage and Medicare Supplement – also known as Medigap – plans. While both pay for expenses not covered by Original (“Governmental”) Medicare, you cannot be enrolled in both Medicare Advantage and Medigap coverage simultaneously, as they each serve different functions. There are also several important distinctions between Medicare Advantage and Medigap that you should know if you are looking to enroll in Medicare.

Learn more: What is the difference between Medicare Advantage and Medigap?

Is Medicare expensive?

While Medicare costs can add up fast depending on an individual’s needs and coverage selections, it is a myth that Medicare is unaffordable or that it is always more expensive than other forms of healthcare coverage. In fact, many people are surprised to discover that Medicare can lower their medical expenses. There are customizable options available for individuals considering Medicare, and these are worth exploring with the guidance of an experienced Licensed Insurance Agent to better understand all the Medicare available options and their associated costs.

Learn more: Is Medicare expensive?

What does Medicare cover?

Many people are surprised to learn that Medicare covers a wide range of medical services, as well as many durable goods and medical supplies. Your current doctor is likely to accept Medicare, and Medicare may cover equipment ranging from hearing aids to wheelchairs, depending on the coverage you select. Some Medicare plans also provide additional benefits such as dental, vision, hearing, and services like transportation to healthcare facilities, meal preparation, and gym memberships.

Learn more about the specific parts of Medicare, the various types of plans you could choose, and what they cover: What does Medicare cover?

Will I be automatically enrolled in Medicare?

Most individuals will become eligible for Medicare at age 65, but not everyone is automatically enrolled in Medicare at that time. However, there are some circumstances in which you are automatically enrolled in Medicare. You will likely be automatically enrolled in Medicare Part A if you meet one of the following conditions at age 65:

  • You are already receiving Social Security benefits.
  • You receive Railroad Retirement Board benefits.

If you’ve been automatically enrolled in a Medicare health plan you will receive a Medicare card and welcome package in the mail three months before your 65th birthday. If you don’t receive anything prior to turning age 65 or are concerned about your Medicare enrollment status, contact Social Security directly. If you don’t qualify for automatic Medicare enrollment or have other questions about who qualifies and how to enroll, contact Aevo.

Learn more: Will I be automatically enrolled in Medicare?

Am I eligible for Medicare?

Most people become eligible for Medicare in the months leading up to their 65th birthday, but this is not the only way to qualify for Medicare health insurance. Younger people may qualify if they have received Social Security disability Insurance (SSDI) benefits for at least two years, or if they have certain health conditions. You may even be automatically enrolled in Medicare if you meet certain criteria.

Learn more about who is eligible for Medicare: Who qualifies for Medicare, and how do I know if I’m eligible?

Receive a free Medicare consultation.

How do I enroll?

It’s a common Medicare misconception that you will be automatically enrolled in Medicare upon turning 65. In reality, this only happens in select circumstances, and most people will need to apply for Original Medicare themselves before making Medicare Advantage or Medicare Supplement selections.

  1. Apply Online for Social Security
  2. Call Social Security

If you are currently enrolled in Part A and want to enroll in Part B, you will need to complete an Application for Enrollment in Medicare Part B form (CMS-40B). Download the form here.

Explore our Medicare Mindfulness blog for insights and updates.